Columbia ,MO Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Columbia, MO homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Columbia, MO is $1650. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Columbia, MO. VHome Insurance will help you navigate the world of homeowners insurance coverages in Columbia, MO.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $660 |
| $200,000 | $1,122 |
| $300,000 | $1,386 |
| $400,000 | $2,112 |
| $500,000 | $2,657 |
Home insurance costs in Columbia can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.
| Zipcode | Average Insurance Premium |
|---|---|
| 065203 | $2,225 |
| 65201 | $2,125 |
| 65202 | $2,111 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Columbia, MO, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,692 |
| $1000 Deductible | $1,513 |
| $1500 Deductible | $1,427 |
| $2500 Deductible | $1,287 |
| $5000 Deductible | $1,089 |
| Home Insurance Company Near Columbia, MO | Homeowners Insurance Agency Near Columbia, MO | Address |
|---|---|---|
| NA | Mcglynn And Associates Insurance Agency | 4918 Rainbow Dr , Jefferson City, MO, 65109 |
| Travelers | Amos & Amos Agency | 303 N STADIUM BLVD SUITE 200, COLUMBIA, MO, 65203 |
| State Farm | Jim Kesterson | 1401 Southwest Blvd, Jefferson City, MO, 65109-2484 |
| Travelers | Luebbering Insurance Agency | 2717 Industrial Dr Ste A Jefferson City, Jefferson City, MO, 65109 |
| Liberty Mutual Independent | Naught & Naught Insurance Agen | 513 E SPRING ST, BOONVILLE, MO, 65233 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Missouri township, Boone County, Missouri | $126 | $168 | $252 |
| Boone County, Missouri | $125 | $166 | $249 |
| Pierpont village, Missouri | $127 | $169 | $253 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Columbia, MO | 6.2% | 19.1% |
| Missouri | 6.14% | 18.2% |
| Boone County | 6.51% | 20.26% |
| Pierpont | 6.15% | 19.9% |
| Columbia Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $200 to $299 | 418 | 1.0% | $782 |
| $300 to $499 | 2,179 | 10.0% | $1232 |
| $500 to $749 | 6,995 | 32.0% | $1907 |
| $750 to $999 | 6,819 | 31.0% | $2657 |
| $1,000 to $1,499 | 3,862 | 17.0% | $3782 |
| $1,500 or more | 1,223 | 5.0% | $5432 |
| Streets in Columbia Area | Homeowners Insurance Cost |
|---|---|
| Turner Ave, Center St, Wild Ginger Ct, Valley Vista Ct, Corcoran Dr, W Southern Hills Dr, Parkside Dr, Riverbirch Pl, Christian Chapel, Samantha Ct | $1,035 |
| Leeway Dr, W Craig St, Country Ln, Fern Flower Ct, Dusty Rhodes Ln, W Driskel Rd, Amethyst Dr, Shannon Pl, Lema Ln, E Rob Cook Rd | $990 |
| E Lexington Cir, Sunset Dr, Daniel Boone, Apple Valley Ct, Wild Plum Ct, Tessa Way, Whitefish Dr, Corporate, Norwalk, Sun Ct | $987 |
| Bay Brook Dr, E Hwy Ab, E Alhambra Dr, Weatherwood Ave, Carnation Dr, Stanford Dr, Cherokee Ln, Wilson Ave, Rain Tree Ct, North Blvd | $928 |
| Bates Creek Ct, W Akeman Bridge Rd, Gazelle Dr, Jennifer Ln, N Charleston Cir, Skye Wynd, Ballenger Pl, E Burnam Rd, W Arbor Way, N Ely Ave | $987 |
| Monterey Dr, Fourwinds Dr, S Cedar Lake Dr, Rice Rd, S Warren School Rd, Sandman Ln, E Sexton Rd, E Fulton Gravel Rd, Richmond Ave, Baldwin | $None |
| Danforth Cir, Wilderness Way, Berry View Ct, S Warren Dr, Brown Station Rd, Bryant St, Hyde Park Ave, Cromwell Ct, Wishing Well Dr N, Old US Hwy 63 S | $1,050 |
| S Easley River Rd, College Park Dr, N Boothe Ln, Timbers Ct, N Locust Grove Church Rd, Minor Hill Rd, Bogie Hills Dr, Canaveral St, N Hwy Pp, Hunt St | $1,036 |
| Taylor St, Lewis St, Elsdon Ct, Quick Sand Cir, W Sexton Rd, Baseline Pl, Fenimore Dr, Moss St, Bullhead Ln, W Lathrop Rd | $988 |
| Alton Ave, High Quest Dr, Dogwood Ln, Silver Brook Rd, Bentpath Dr, Americus Dr, Saddlebrook Pl, Thornridge Dr, Watertown Pl, Garnet Ave | $982 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Columbia | $150 to $153 |
| Missouri | $151 |
| Boone County | $149 |
| Pierpont | $152 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $900 | $1,900 |
| Yearly Columbia Homeowner Insurance Premium Example | $1,100 | $900 |
| Out of Pocket Expense During Claim | $900 | $1,900 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $9,700 | $9,100 |
| Net Savings to Columbia Home Owner from High Deductible Plan | $600 | |
| Scenario | Columbia, MO Home Replacement Value MORE than Home Value | Columbia, MO Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $159,500 | $122,500 |
| Insurance Premium based on Replacement Value | $675 | $525 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $18,500 | Risk Exposure from Under Insuring Coverage is $18,500 |
| Premium Impact | Insurance cheaper by $75/year | Insurance costlier by $75/year |
| Insurance Company | GEICO Insurance | Allstate | American Family Insurance |
| Monthly Premium | 53 | 54 | 56 |
| Year Built | 1976 | 1984 | 2011 |
| Home Details | 3 Beds, 2 Baths | 4 Beds, 3 Baths | 5 Beds, 4 Baths |
| Coverage Amount | $150000-$175000 | $250000-$300000 | $150000-$175000 |
| Deductible | $2500-$5000 Deductible | > $10,000 Deductible | $2500-$5000 Deductible |