Excelsior Springs Insurance Rates:

Excelsior Springs, MO homeowners insurance is nearly $811 to $1,106, about $67-$92/month. Our complete analysis reveals consumers can save as much as $383 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Excelsior Springs, MO Homeowners Insurance By Home Value

Excelsior Springs, MO Home Value Total Homes % of Total Average Excelsior Springs, MO Homeowners Insurance
Less than $50,000 247 8.0% $220
$50,000 to $59,999 56 1.0% $479
$60,000 to $69,999 115 4.0% $593
$70,000 to $79,999 227 8.0% $680
$80,000 to $89,999 208 7.0% $775
$90,000 to $99,999 485 17.0% $862
$100,000 to $124,999 554 19.0% $1005
$125,000 to $149,999 388 13.0% $1254
$150,000 to $174,999 230 8.0% $1484
$175,000 to $199,999 87 3.0% $1714
$200,000 to $249,999 135 4.0% $2059
$250,000 to $299,999 50 1.0% $2519
$300,000 to $399,999 39 1.0% $3199

Top Home Insurance Agents Near Excelsior Springs, MO

Home Insurance Company Near Excelsior Springs, MO Homeowners Insurance Agency Near Excelsior Springs, MO Address
NA Accurate Insurance Agency, Inc. 6428 Vista Ave., Shawnee, KS, 66218
Farmers G Steven Kohnle 11880 College Blvd Ste 202, Overland Park, KS, 66210
Travelers Marsh & Mclennan Agency Llc 7015 COLLEGE BLVD STE 400, OVERLAND PARK, KS, 66211
Farmers Robert Newton 601 N MUR LEN RD STE 21A, Olathe, KS, 66062
Travelers Sra Insurance Agency Llc 5201 JOHNSON DR STE 500, MISSION, KS, 66205

Cost Of Homeowners Insurance By Street Near Excelsior Springs, MO

Streets in Excelsior Springs Area Homeowners Insurance Cost
Richmond St, Buckeye Ct, Red Maple Dr, E 20th Ter, Pine Crest Ave, State Hwy 11, NE 148 St, Redwood Ct, S Holtz, NE 122 St$1,017
Louallen, NE 142 St, S Francis St, N Mo 33 Hwy, Meadowlark Ln, Penn St, McGinnis Rd, Ridge St, Butternut Ln, Redwood Ln$946
Orchard Pl, N Dunbar Ave, Wilson Pl, Linn Ave, Meadowlane St, N Marietta St, NE 116 St, NE 135 St, NE 128 St, N US Hwy 69$1,007
E Clarksboro Rd, Broadway St, E Stockdale, S Marietta St, Prospect St, E Ivory Cir, Old State Hwy 210, Edwards Rd, Sunset Ln, Greenspire$1,024
Rockwater Ln, Greenfield Mews, Wood River Rd, 1st Ave, Watkins Rd, Calhoun St, W North St, Clay Ridge Dr, St Bernard Hill Rd, S 18th Cir$1,008

Excelsior Springs, MO Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Excelsior Springs$142 to $144
Prathersville$150
Homestead$139
Crystal Lakes$146

Excelsior Springs, 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
Prathersville village, Missouri $151 $201 $302
Homestead village, Missouri $139 $185 $278
Crystal Lakes city, Missouri $146 $195 $293

Excelsior Springs, 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
Excelsior Springs, MO7.3%21.2%
Prathersville7.18%12.41%
Homestead9.11%26.24%
Crystal Lakes6.14%19.67%

Excelsior Springs Renters Insurance as a Percentage of Rent

Excelsior Springs Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 65 4.0% $802
$300 to $499 349 24.0% $1252
$500 to $749 470 32.0% $1927
$750 to $999 210 14.0% $2677
$1,000 to $1,499 338 23.0% $3802
$1,500 or more 17 1.0% $5452

Excelsior Springs, MO Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$800$1,800
Yearly Excelsior Springs Homeowner Insurance Premium Example $400$200
Out of Pocket Expense During Claim$800$1,800
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $4,000$3,400
Net Savings to Excelsior Springs Home Owner from High Deductible Plan $600

Excelsior Springs, MO Home Insurance Costs With Home Replacement Value Scenarios

Scenario Excelsior Springs, MO Home Replacement Value MORE than Home Value Excelsior Springs, MO Home Replacement Value LESS than Home Value
Replacement Value $162,500 $112,000
Insurance Premium based on Replacement Value $800 $550
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $18,000 Risk Exposure from Under Insuring Coverage is $32,500
Premium Impact Insurance cheaper by $150/year Insurance costlier by $100/year

Example Excelsior Springs Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceChubb Group of InsuranceLiberty Mutual
Monthly Premium 793642
Year Built 196520031976
Home Details 4 Beds, 1 Baths5 Beds, 2 Baths2 Beds, 1 Baths
Coverage Amount $175000-$200000$100000-$125000$75000-$100000
Deductible $500 Deductible$2500-$5000 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1940 150,000 Membrane Roof 1,980 5 $500- $1000 Deductible 590 10 Stucco siding No
1960 85,000 Slate Shingles Roof 1,070 2 $2500-$5000 Deductible 170 6 Wood siding No
2004 245,000 Composition Roof 4,260 5 $5000 to $10,000 Deductible 210 3 Stucco siding yes
1979 145,000 Metal Roof 1,940 5 $2500-$5000 Deductible 290 7 Fiber-Cement Siding yes
1940 75,000 Membrane Roof 910 2 $2500-$5000 Deductible 260 9 Brick siding No
2010 160,000 Shingles Roof 2,220 3 $1000-$2500 Deductible 740 12 Fiber-Cement Siding yes
1977 125,000 Membrane Roof 2,140 4 $500- $1000 Deductible 170 5 Stucco siding yes
2006 220,000 Tile Roof 2,850 4 $500 Deductible 410 4 Stone Siding yes
1946 165,000 Wood Shake Roof 2,080 5 $1000-$2500 Deductible 620 12 Fiber-Cement Siding yes
2011 235,000 Composition Roof 3,020 4 $1000-$2500 Deductible 710 10 Brick siding No
2010 75,000 Metal Roof 1,170 2 $1000-$2500 Deductible 30 1 Fiber-Cement Siding yes
1941 135,000 Composition Roof 1,620 3 $1000-$2500 Deductible 590 10 Brick siding No
1949 75,000 Metal Roof 1,210 3 $500 Deductible 230 10 Stucco siding No
1977 290,000 Membrane Roof 3,960 5 $5000 to $10,000 Deductible 810 9 Wood siding yes
1981 120,000 Shingles Roof 1,430 2 $500- $1000 Deductible 540 12 Vinyl siding No
1962 60,000 Asphalt Shingles Roof 910 2 $2500-$5000 Deductible 100 6 Stone Siding yes
1944 160,000 Composition Roof 1,910 3 $500 Deductible 630 9 Wood siding yes
2012 125,000 Slate Shingles Roof 1,630 5 $500 Deductible 420 7 Stucco siding yes
1941 310,000 Slate Shingles Roof 4,870 5 $500 Deductible 950 7 Brick siding yes
1944 100,000 Slate Shingles Roof 1,410 3 $2500-$5000 Deductible 230 10 Wood siding yes
1942 170,000 Membrane Roof 2,380 5 $5000 to $10,000 Deductible 400 8 Wood siding yes
1949 235,000 Wood Shake Roof 3,580 5 $2500-$5000 Deductible 550 6 Vinyl siding No
1972 120,000 Membrane Roof 1,620 3 $500- $1000 Deductible 590 10 Vinyl siding No
1980 110,000 Wood Shake Roof 1,490 3 $500 Deductible 330 9 Vinyl siding yes
2010 205,000 Tile Roof 3,020 4 $2500-$5000 Deductible 850 12 Stucco siding No
1982 90,000 Tile Roof 1,510 3 $500 Deductible 280 8 Stucco siding yes
1967 235,000 Membrane Roof 3,710 5 > $10,000 Deductible 320 5 Fiber-Cement Siding No
2007 115,000 Wood Shake Roof 1,670 5 $500 Deductible 120 3 Stone Siding yes
1978 125,000 Tile Roof 2,100 3 $1000-$2500 Deductible 490 9 Stucco siding yes
1970 120,000 Composition Roof 2,040 4 $500- $1000 Deductible 250 7 Stone Siding No
2004 285,000 Composition Roof 3,670 5 $500 Deductible 150 1 Stucco siding yes