Cape Girardeau Insurance Rates:

Cape Girardeau, MO homeowners insurance is nearly $828 to $1,127, about $69-$93/month. Our complete analysis indicates shoppers can save upto $390 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Shelter
There is a lot of useful information as well as useful tools in the app, but it can be a little glitch at times.
Amica Mutual Insurance
Literally, there is nothing that I do not like about this company. I'm sure they aren't perfect but I haven't seen that. My only disappointment now that I think about it is that the first years I was with them they offered a refund for premiums at the end of the year but they did away with that years ago. Made it a little more expensive but it's worth every penny to know that if there is an emergency they are there for me.
Aaa
The agents are friendly and tend to explain policies in easy to understand terms. I have talked to agents about both auto and home insurance and they are very knowledgeable about both.
Farmer's Insurance
I like how the company has been around since the 30s and how they are the second largest insurance company in the US.
State Farm
My agent along with the 24 hour line for any issues in regards to my insurance policy or emergency are always available to help and also make changes if necessary.
Farmer's Insurance
What i like about farmers is that they took time to explain their policy— limits, deductibles, etc. it helped me understand what i was getting.
Shelter
The rates are pretty good and the coverage they offer is really good. anytime i've had to use them i haven't had any issues

Cape Girardeau, MO Homeowners Insurance By Home Value

Cape Girardeau, MO Home Value Total Homes % of Total Average Cape Girardeau, MO Homeowners Insurance
Less than $50,000 867 9.0% $185
$50,000 to $59,999 194 2.0% $390
$60,000 to $69,999 193 2.0% $488
$70,000 to $79,999 379 4.0% $556
$80,000 to $89,999 631 7.0% $635
$90,000 to $99,999 618 7.0% $713
$100,000 to $124,999 1,383 15.0% $820
$125,000 to $149,999 1,307 15.0% $1025
$150,000 to $174,999 966 11.0% $1221
$175,000 to $199,999 473 5.0% $1406
$200,000 to $249,999 709 8.0% $1690
$250,000 to $299,999 434 4.0% $2061
$300,000 to $399,999 548 6.0% $2628

Top Home Insurance Agents Near Cape Girardeau, MO

Home Insurance Company Near Cape Girardeau, MO Homeowners Insurance Agency Near Cape Girardeau, MO Address
NA County Wide Insurance Agency 140 S. Walnut Street, Dexter, MO, 63841
Farmers Brent Wills 610 W Main St, Jackson, MO, 63755
State Farm Greg Comer 225 S Main St, Sikeston, MO, 63801-3033
State Farm Joe Recker 114 N Ingram Rd, Sikeston, MO, 63801-5231
Farmers Kyle Mcdonald 2114 Main St, Scott City, MO, 63780

Cost Of Homeowners Insurance By Street Near Cape Girardeau, MO

Streets in Cape Girardeau Area Homeowners Insurance Cost
Kodiak Ln, Tara Ln, Melrose Dr, Choctaw Ln, Beechwood Ln, Jefferson Ave, Woodbine Pl, Whipporwill, Whitney Jean Dr, Bean St$978
Aquamarine Ln, Koch Ave, State Hwy A, Lost Moccasin Ln, Comanche Ln, Nottingham Ln, Rose St, Welch Pass, Wild Oak Ln, Woodland Hills Dr$993
Deerwood Dr, Old Sprigg Street Rd, Noble Ct, Green Ridge Ln, Frederick St, Normal Ave, Hickory St, Lacey St, Hall Dr, Hummingbird Ln$991
S Frederick St, S Lorimier St, Smith Trl, State Hwy K, Alpine Dr, Industrial Dr, Breckenridge Dr, C St, Charlotte Ct, Greensferry Rd$999
Andrew Dr, Jean Ann Dr, S Missouri Ave, Brandy Ln, Giboney St, Co Rd 260, Perry Ave, Gopher Ln, Longhorn Dr, Renfrew Dr$954
Scott St, Cooper St, Karau Ln, Mohawk Ln, Hannah St, Morgan Oak Ln, Lisa Dr, Bogey Ln, Sussex, Stoney Point Dr$997
S Plaza Way, Shavano Country Ln, Garrett Ln, Professional Ct, Chamberlain Dr, Ferret Ln, Riverview Dr, Lorraine Dr, Evondale St, Country Club Dr$1,000
Catalina Dr, Franklin St, Woodchuck Ln, N Roosevelt St, S Lorimier St, Hopper Rd, Aspen Dr, Basalt Ln, Brookview St, N Woods Ct$973
Lakewood Dr, State Hwy Nn, Possum Ln, Tracy St, E Monroe St, Dogwood Dr, Fairyway Ln, Kickapoo Ln, Moonstone Ln, Hiawatha Ln$999
Rand St, Wellington Ln, Co Rd 201, Shady Creek Ln, Colonial Dr, Hillview Ln, Co Rd 320, N Lorimer St, Henry St, Co Rd 623$985

Cape Girardeau, MO Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Cape Girardeau$146 to $149
Dutchtown$141
Gordonville$150
East Cape Girardeau$106

Cape Girardeau, 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
Gordonville village, Missouri $151 $201 $302
East Cape Girardeau village, Illinois $107 $142 $213
Jackson city, Missouri $148 $197 $296

Cape Girardeau, 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
Cape Girardeau, MO7.4%22.9%
Gordonville7.64%21.87%
East Cape Girardeau6.46%17.17%
Jackson7.38%22.81%

Cape Girardeau Renters Insurance as a Percentage of Rent

Cape Girardeau Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 168 2.0% $794
$300 to $499 1,825 27.0% $1244
$500 to $749 2,421 36.0% $1919
$750 to $999 1,121 16.0% $2669
$1,000 to $1,499 779 11.0% $3794
$1,500 or more 253 3.0% $5444

Cape Girardeau, MO Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,200$2,200
Yearly Cape Girardeau Homeowner Insurance Premium Example $1,500$1,000
Out of Pocket Expense During Claim$1,200$2,200
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $8,700$7,200
Net Savings to Cape Girardeau Home Owner from High Deductible Plan $1,500

Cape Girardeau, MO Home Insurance Costs With Home Replacement Value Scenarios

Scenario Cape Girardeau, MO Home Replacement Value MORE than Home Value Cape Girardeau, MO Home Replacement Value LESS than Home Value
Replacement Value $180,500 $138,000
Insurance Premium based on Replacement Value $750 $575
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $20,500 Risk Exposure from Under Insuring Coverage is $22,000
Premium Impact Insurance cheaper by $75/year Insurance costlier by $100/year

Example Cape Girardeau Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateLiberty MutualFarmers Insurance
Monthly Premium 308435
Year Built 196420071984
Home Details 4 Beds, 2 Baths3 Beds, 2 Baths2 Beds, 1 Baths
Coverage Amount $100000-$125000$175000-$200000$75000-$100000
Deductible $2500-$5000 Deductible$500 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1980 220,000 Asphalt Shingles Roof 3,220 5 $2500-$5000 Deductible 400 5 Fiber-Cement Siding No
2005 160,000 Asphalt Shingles Roof 1,830 5 $500- $1000 Deductible 610 10 Vinyl siding yes
1986 115,000 Composition Roof 1,500 3 $2500-$5000 Deductible 130 3 Brick siding No
1988 120,000 Composition Roof 1,560 2 $1000-$2500 Deductible 610 12 Brick siding No
1962 235,000 Metal Roof 3,100 5 $2500-$5000 Deductible 260 5 Brick siding yes
1985 335,000 Composition Roof 3,860 5 $2500-$5000 Deductible 210 2 Vinyl siding No
1978 100,000 Composition Roof 1,070 2 $500 Deductible 360 12 Vinyl siding No
1978 110,000 Shingles Roof 1,380 3 $500 Deductible 600 12 Fiber-Cement Siding yes
2009 130,000 Composition Roof 1,650 3 $500 Deductible 180 4 Stone Siding No
1990 115,000 Shingles Roof 1,630 4 $2500-$5000 Deductible 370 10 Stone Siding yes
1988 205,000 Wood Shake Roof 2,970 5 > $10,000 Deductible 150 4 Stone Siding yes
2006 140,000 Wood Shake Roof 1,560 2 $2500-$5000 Deductible 80 2 Brick siding yes
1970 105,000 Metal Roof 1,240 2 $500- $1000 Deductible 430 10 Stone Siding yes
2002 275,000 Asphalt Shingles Roof 3,080 4 $500- $1000 Deductible 270 3 Fiber-Cement Siding No
1976 190,000 Composition Roof 2,170 5 $5000 to $10,000 Deductible 430 9 Fiber-Cement Siding yes
1997 140,000 Membrane Roof 1,910 4 $500 Deductible 350 6 Wood siding yes
1973 375,000 Metal Roof 4,500 5 $5000 to $10,000 Deductible 650 6 Vinyl siding yes
1969 130,000 Wood Shake Roof 1,800 3 $2500-$5000 Deductible 290 8 Vinyl siding No
1995 140,000 Shingles Roof 1,610 2 $2500-$5000 Deductible 350 7 Brick siding yes
1983 115,000 Membrane Roof 1,330 2 $1000-$2500 Deductible 240 6 Stone Siding yes
1986 260,000 Shingles Roof 3,070 4 $1000-$2500 Deductible 670 8 Vinyl siding No
2008 245,000 Composition Roof 2,820 4 $500 Deductible 410 4 Brick siding No
1989 160,000 Composition Roof 2,140 4 $500 Deductible 210 3 Wood siding yes
1964 155,000 Composition Roof 2,200 3 $500 Deductible 450 10 Vinyl siding yes