Benton Insurance Rates:

Benton, MO homeowners insurance is roughly $809 to $1,099, about $67-$91/month. Our comprehensive guide indicates shoppers can save as much as $381 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Farmer's Insurance
One point i do like about farmer’s insurance is the one time i made a claim for a gutter repair on my house, they were prompt in sending an inspector and in applying the payment.
Shelter
First and foremost, i like how friendly my insurance company is. they remember my name and are very kind and helpful.
Shelter
When we needed our roof replaced they were able to handle our claim in a timely manner and able to provide the recommended repair companies we needed to get the repairs done.
Shelter
About the only thing I dislike is what my rate is but like I said before there isn't much I can do about that. It is what it is and I can't do any better so even though I don't like that it isn't worth changing to save a couple of dollars.
Shelter
I would say with all insurances that they are great until the day comes that you actually need them. Thankfully we haven't needed to use our homeowner's insurance so I would rate the company as fair.
Farmer's Insurance
I enjoy that runs rather smoothly and also has a decent user interface. It is a good offering but is not fully featured. Despite this, it is surprisingly convenient for an app.
State Farm
I like the company. They are always there for me when I have question.
Allstate
I have not had a claim process so I am unable to answer this. Not sure why your form is having me fill this in since I have stated I have not filed a claim.

Benton, MO Homeowners Insurance By Home Value

Benton, MO Home Value Total Homes % of Total Average Benton, MO Homeowners Insurance
Less than $50,000 586 15.0% $238
$50,000 to $59,999 327 8.0% $505
$60,000 to $69,999 212 5.0% $629
$70,000 to $79,999 324 8.0% $725
$80,000 to $89,999 224 5.0% $820
$90,000 to $99,999 377 10.0% $925
$100,000 to $124,999 339 9.0% $1068
$125,000 to $149,999 305 8.0% $1335
$150,000 to $174,999 322 8.0% $1574
$175,000 to $199,999 219 5.0% $1822
$200,000 to $249,999 209 5.0% $2194
$250,000 to $299,999 136 3.0% $2680
$300,000 to $399,999 155 4.0% $3405

Top Home Insurance Agents Near Benton, MO

Home Insurance Company Near Benton, MO Homeowners Insurance Agency Near Benton, MO Address
State Farm Chad Davis 111 W Jefferson St, Kirksville, MO, 63501-3468
State Farm Stephanie Trager 112 W Brooks Street, Brookfield, MO, 64628-1606
NA Hometown Insurance Inc 717 N 18Th St Ste 2, Centerville, IA, 52544
NA Hawkins Insurance Group Po Box 981 Kirkville, Kirksville, MO, 63501
NA Cahalan Insurance 6 Meadow Brook Rd, Kirksville, MO, 63501

Cost Of Homeowners Insurance By Street Near Benton, MO

Streets in Benton Area Homeowners Insurance Cost
Co Rd 38A, Capri Way, Wait Trl, Alpine Rd, S Marion St, Amick Ave, Co Rd 205 C, Co Rd 33A, Quail Ln, S Cottage Grove Ave$954
S Marion St, Lincoln St, W Mill St, Co Rd 424 C, Conkle St, Co Rd 304 D, Suncrest Way, Co Rd 344 D, Cedar Trce, Co Rd 138A$976
State Hwy H, Kohlmyre Trl, Chase Way, Co Rd 138A, Co Rd 124B, Tundra Trl, Salisbury Cemetery Trl, Co Rd 302 D, Co Rd 166 A, Lantern St$943
Berry Trl, Co Rd 188 C, Augusta, Co Rd 114B, S Jasper St, Beechwood Trl, Co Rd 325, Forest Ridge Rd, Co Rd 39A, Opal Ln$937
Co Rd 17A, Overbrook Dr, Linn Creek Trl, N Chicago Ave, Co Rd 139A, N Elson St, New Hope Way, Co Rd 361 C, Laurel Ln, State Hwy B$953
Co Rd 25A, Beeker St, Weatherstone Dr, Co Rd 120B, Tartan Trl, S High St, Co Rd 119B, Shepherd Ave, Co Rd 316 D, Shadow Way$989
Gopher Run, Co Rd 77B, State Hwy Ff, Co Rd 145A, Black Oak Trl, Co Rd 386 C, Longbow Ln, Co Rd 162A, Wild Horse Way, Kent School Trl$931
Co Rd 224, Co Rd 428 C, Lavender Trl, Co Rd 74B, Clarmar Ln, Co Rd 264B, Flint Trl, Co Rd 92B, Rosewood Dr, 62B$995
Igloo Trl, Exotic Trl, S Baltimore St, Paultown Way, Co Rd 140A, White Deer Ln, Kester Way, Co Rd 448 Ab, W Decker Rd, Co Rd 143A$992
Sand Creek Bottom Rd, Sunbeam Way, Co Rd 271D, Co Rd 208, Pebblewood Trl, Co Rd 422 C, Old Hwy 6, S High St, Pasture Ln, Co Rd 428$941

Benton, MO Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Benton$142 to $145
Adair County$143
Kirksville$142
Millard$138

Benton, MO Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Adair County, Missouri $143 $191 $287
Kirksville city, Missouri $143 $190 $285
Millard village, Missouri $138 $184 $276

Benton, MO Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Benton, MO9.0%23.6%
Adair County8.99%23.34%
Kirksville9.46%24.9%
Millard10.24%20.77%

Benton Renters Insurance as a Percentage of Rent

Benton Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 118 3.0% $354
$200 to $299 261 7.0% $804
$300 to $499 1,153 34.0% $1254
$500 to $749 1,055 31.0% $1929
$750 to $999 485 14.0% $2679
$1,000 to $1,499 240 7.0% $3804

Benton, MO Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,800$2,800
Yearly Benton Homeowner Insurance Premium Example $600$400
Out of Pocket Expense During Claim$1,800$2,800
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $6,600$6,000
Net Savings to Benton Home Owner from High Deductible Plan $600

Benton, MO Home Insurance Costs With Home Replacement Value Scenarios

Scenario Benton, MO Home Replacement Value MORE than Home Value Benton, MO Home Replacement Value LESS than Home Value
Replacement Value $96,500 $70,500
Insurance Premium based on Replacement Value $525 $375
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $16,500 Risk Exposure from Under Insuring Coverage is $9,500
Premium Impact Insurance cheaper by $50/year Insurance costlier by $100/year

Example Benton Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmAmerican Family InsuranceTravelers
Monthly Premium 565745
Year Built 198319481962
Home Details 5 Beds, 2 Baths2 Beds, 1 Baths4 Beds, 2 Baths
Coverage Amount $150000-$175000$125000-$150000$125000-$150000
Deductible $500- $1000 Deductible$500 Deductible$500- $1000 Deductible

Sample Home Insurance Rates for Benton, MO from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1963 245,000 Slate Shingles Roof 2,960 4 $500- $1000 Deductible 280 3 Fiber-Cement Siding No
2010 200,000 Composition Roof 2,460 5 $500- $1000 Deductible 810 10 Brick siding No
1979 140,000 Asphalt Shingles Roof 1,810 4 $500 Deductible 580 10 Brick siding yes
2013 210,000 Slate Shingles Roof 2,560 5 $500- $1000 Deductible 60 1 Stucco siding No
1977 330,000 Composition Roof 3,970 5 $5000 to $10,000 Deductible 140 2 Stucco siding yes
2010 165,000 Metal Roof 2,850 5 $500 Deductible 370 4 Vinyl siding No
1975 140,000 Asphalt Shingles Roof 2,390 3 $1000-$2500 Deductible 270 7 Brick siding yes
1992 165,000 Membrane Roof 2,450 4 $500 Deductible 250 5 Brick siding No
1977 285,000 Metal Roof 3,630 5 $5000 to $10,000 Deductible 600 9 Wood siding No
1941 155,000 Membrane Roof 2,080 5 $500- $1000 Deductible 60 1 Stone Siding No
1970 90,000 Metal Roof 1,390 2 $500- $1000 Deductible 40 1 Brick siding No
1995 85,000 Wood Shake Roof 1,470 3 $500- $1000 Deductible 400 10 Vinyl siding yes
1974 90,000 Composition Roof 1,090 2 $2500-$5000 Deductible 160 6 Fiber-Cement Siding yes
1995 170,000 Metal Roof 2,540 4 $1000-$2500 Deductible 380 5 Fiber-Cement Siding yes
1947 135,000 Membrane Roof 2,100 3 $500- $1000 Deductible 470 10 Fiber-Cement Siding No
2012 135,000 Slate Shingles Roof 2,250 3 $2500-$5000 Deductible 40 1 Fiber-Cement Siding yes
1976 110,000 Membrane Roof 1,420 3 $1000-$2500 Deductible 200 5 Fiber-Cement Siding yes
2004 100,000 Membrane Roof 1,430 2 $1000-$2500 Deductible 250 8 Wood siding No
2000 80,000 Membrane Roof 1,010 2 $500- $1000 Deductible 130 5 Fiber-Cement Siding yes
1976 140,000 Metal Roof 2,220 3 $1000-$2500 Deductible 410 9 Stone Siding No
1991 75,000 Shingles Roof 920 2 $500- $1000 Deductible 140 7 Fiber-Cement Siding yes
1986 120,000 Shingles Roof 2,050 3 $500- $1000 Deductible 320 7 Vinyl siding No
1987 105,000 Tile Roof 1,760 3 $2500-$5000 Deductible 90 3 Vinyl siding yes
1966 90,000 Slate Shingles Roof 1,480 2 $500 Deductible 260 7 Brick siding yes
2000 65,000 Asphalt Shingles Roof 900 2 $500 Deductible 270 10 Stucco siding No
1989 105,000 Composition Roof 1,720 3 $500 Deductible 220 5 Wood siding No
1992 190,000 Tile Roof 3,090 4 $5000 to $10,000 Deductible 110 2 Stucco siding No
1970 170,000 Composition Roof 2,660 4 $500- $1000 Deductible 50 1 Vinyl siding yes