Imperial Insurance Rates:

Imperial, MO home insurance is roughly $855 to $1,161, about $71-$96/month. Our detailed analysis reveals consumers can save upto $403 by getting multiple quotes

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Imperial Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Nationwide Insurance
Home Insurance Rate of $500/4 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $270,000

5 Beds, 5 Baths 2280 sqft Rental Property Constructed In 2012 with Carpet over wood flooring, Composition Roof, Chainwall Foundation, Stucco siding, Brick Frame. Home Features Include Fire Extinguisher, Smoke Alarm, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

62 Years old Married Male who is Retired with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $720/5 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $490,000

5 Beds, 5 Baths 4090 sqft Vacation Property Constructed In 1988 with Linoleum, Membrane Roof, Slab Foundation, Stucco siding, Metal Frame Construction. Home Features Include Smoke Alarm, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

39 Years old Divorced Female who is Unemployed and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $70/1 month for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $200,000

3 Beds, 3 Bath 1730 sqft Vacation Property Constructed In 1989 with Wood Flooring, Tile Roof, Piers Foundation, Wood siding, Stucco Construction. Home Features Include Deadbolt Locks, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

57 Years old Married Female who has a Full Time Job with household income of more than $150,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $700/8 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $260,000

4 Beds, 4 Baths 3000 sqft Rental Property Constructed In 1991 with Stone Flooring, Wood Shake Roof, Chainwall Foundation, Wood siding, Brick Frame. Home Features Include Fire Extinguisher, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

67 Years old Single Male who is a Freelancer with household income of $75-$100,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $580/6 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $250,000

3 Beds, 3 Baths 2110 sqft Primary Residence Constructed In 2012 with Carpet over wood flooring, Membrane Roof, Chainwall Foundation, Wood siding, Metal Frame Construction. Home Features Include Smoke Alarm, Central Air Conditioning, Swimming Pool, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

40 Years old Divorced Male who has a Full Time Job with household income of more than $150,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $2800/12 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $530,000

5 Beds, 5 Baths 4600 sqft Rental Property Constructed In 2006 with Linoleum, Composition Roof, Piers Foundation, Stucco siding, Brick Frame. Home Features Include Indoor Sprinklers, Central Air Conditioning, Deadbolt Locks, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

38 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $80/2 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $145,000

4 Beds, 4 Baths 1710 sqft Rental Property Constructed In 2010 with Carpet over wood flooring, Membrane Roof, Piers Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Copper Water Pipes, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

72 Years old Divorced Male who has a Full Time Job with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $140/4 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $155,000

3 Beds, 3 Bath 1820 sqft Rental Property Constructed In 1985 with Wood Flooring, Slate Shingles Roof, Chainwall Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

44 Years old Married Male who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $60/1 month for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $215,000

4 Beds, 4 Bath 2570 sqft Vacation Property Constructed In 1998 with Carpet over wood flooring, Composition Roof, Chainwall Foundation, Wood siding, Brick Frame. Home Features Include Indoor Sprinklers, Fireplace, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

72 Years old Single Male who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $280/4 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $270,000

5 Beds, 5 Bath 2910 sqft Primary Residence Constructed In 1995 with Ceramic Tile Flooring, Metal Roof, Crawl Space Foundation, Wood siding, Wood Frame. Home Features Include Fire Extinguisher, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

42 Years old Divorced Female who is a Freelancer with household income of $100-$150,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Imperial Rates & Quotes Analysis:

Imperial Area Estimated House Insurance
Peggy Ct, Broad St, Williamsburg Dr, Watson Rd, Sun Ridge, Hazel Dr, Moss Dr, Ehlers Ridge Ln, Volner Ln, Jeanette Dr$1,000
Abbey Rd, Metropolitan Blvd, Koch Valley Rd, Hillsboro-House Springs Rd, Briarwood Ln, Wooded Acres, Paul's Mountain Ct, Forest Ln, el Camino Dr, Primrose Ridge Dr$954
Ehlers Dr, Oakview Dr, Oak Tree Ln, Spalding Ct, Linda Ln, Rinehart Rd, Lakewood Spur Dr, Kley Ln, Parkhill Dr, Cha Bern$1,019
Shelton Ct, Long St, Treetop Ln, Allen Rd, Honeysuckle Ln, Well Dr, Dudley Castle Ct, Richard Dr, Noble Ct, Duckworth Ln$1,023
Karon Dr, Quiet Valley Ln, Foster Ct, Deborah Ln, Elmer Ln, el Vado Dr, Pless Rd, Clark Ln, Millers Resort, Byrne Rd$964
Rapids Xing, Breakwater Dr, Crews Dr, Hubic Ln, Moss Hollow Rd, Tara Trl, Boulder Dr, Marble Springs Ln, Moloney Dr, Michael Dr$997
Museum Dr, E Rock Creek Manor, Antonia Rd, Zion Lutheran Church Rd, Pony Bird Ln, Brookhurst, Pinson Ct, Blackberry St W, Gabriel Dr, Horine-Herky Rd$1,013
Fox Meadows, Cha--Bern Dr, Frisco Hill Rd, Alpine Village Dr, Brooks, Lombard Ln, Broadway, Diane, Lambrich Ln, Akers Dr$976
Schenk Rd, Winter Haven Ct, Pancho Villa Dr, Jarvis-Don Bosco Rd, Seasonbrooks Ln, Haefner Ln, Petite Ln, School St, Runnymede Pl, Hackberry Ct$1,021
Tulip Hill Dr, Church Pl, Papoose Pl, Herky Horine Rd, E 3rd St, Seckman Spring Dr, Moss Hills Dr, Jarvis-Goldman Rd, Walnut Dr, Windsor Xing$1,021

Insurance rates are influenced by a number of factors including:

  • Year Built: 1,635 Homes (18% of total homes ) built between 1980 to 1989 in Imperial are paying home insurance between $1,504-$1,519. Places close to Imperial, MO such as Tesson Ferry, Oakville, Fenton are more expensive by $48, $34, $82 respectively while Barnhart and Windsor are cheaper by $28 and $15 respectively for similar homes.
  • Bedrooms: 5,149 3 bedrooms homes (57% of total homes ) in Imperial are paying about $1,088 and differs from Tesson Ferry (+$35), Oakville (+$25), Fenton (+$49), Barnhart (-$20) and Windsor (-$11).
  • Auto Insurance Bundling: 2,680 Households (36% of all households) in Imperial have 3 or more vehicles available and when it is bundled with home insurance you can save $252 and differs from Barnhart ($247), Windsor ($249), Kimmswick ($245).
  • Senior Discounts: 2,341 seniors (more than 55 years) occupied housing units (31% of total) in Imperial get discounts between $150 to $153. The comparative concessions in proximate regions such as Barnhart, Windsor and Kimmswick are $148, $149 and $147 respectively.
  • New Homes discounts: New homes such as the 4,603 homes built between 2000 to 2009 in Imperial can save $201 compared to Barnhart ($197), Windsor ($199), Kimmswick ($196).

Imperial Homeowners insurance Facts

  • Imperial, MO has 7,438 owner occupied houses which is 87.7% of all units whereas Barnhart, Windsor and Kimmswick have 94.08%, 87.65% and 92.16% respectively.
  • Imperial, MO homeowners yearly insurance price at $1,008 is 0.58% of the typical house value of $172,900 which is in contrast with 0.68% in Barnhart, 0.63% at Windsor & 0.73% in Kimmswick.
  • Homeowners in Imperial, MO pay 2.69% of their income ($35,000 to $39,999) in insurance whereas homeowners in Barnhart, Windsor and Kimmswick pay 2.64%, 2.66% and 2.62% respectively.
  • Imperial, MO’s insurance is 5.9% of monthly housing costs of $1,426/month, for owners with a mortgage compared to 6.56% in Barnhart, 6.48% at Windsor & 7.05% in Kimmswick. But, for households without a mortgage, insurance is 21.4% of costs ($392 in Imperial, MO) in contrast with 20.4% in Barnhart, 21.83% at Windsor & 15.94% in Kimmswick.

Imperial, MO Home Values & Insurance rates

For example, insurance for 1,006 Homes (13.0% of total homes ) valued between $125,000 to $149,999 in Imperial, MO is about $796. Rates in nearby areas in such as Scotsdale, Tesson Ferry, Oakville are cheaper by $9, $141, $106 respectively while Barnhart and Windsor are costlier by $133 and $72 respectively for similar homes.

Imperial, MO Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 270 3.0% $141
$70,000 to $79,999 78 1.0% $433
$80,000 to $89,999 117 1.0% $493
$90,000 to $99,999 216 2.0% $544
$100,000 to $124,999 494 6.0% $635
$125,000 to $149,999 1,006 13.0% $796
$150,000 to $174,999 1,612 22.0% $937
$175,000 to $199,999 782 10.0% $1088
$200,000 to $249,999 1,366 18.0% $1310
$250,000 to $299,999 696 9.0% $1602
$300,000 to $399,999 617 8.0% $2036

Renters Insurance in Imperial

  • Average Renters Insurance in Imperial :  $122($10/month)

  • Median Gross Rent in Imperial :  $792

  • Imperial Renters Insurance to Median Rent Ratio:  1.26%

  • Average household size of renter-occupied unit :  2.93

Imperial Renters Insurance as a Percentage of Rent

Imperial Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 33 3.0% $780
$300 to $499 38 3.0% $1230
$500 to $749 259 26.0% $1905
$750 to $999 457 47.0% $2655
$1,000 to $1,499 140 14.0% $3780
$1,500 or more 40 4.0% $5430

Protective device discount in Imperial Up to :  $18

Claims-free discount in Imperial Up to :  $24