Festus Insurance Rates:

Festus, MO homeowners insurance is approximately $833 to $1,133, about $69-$94/month. Our complete analysis reveals consumers can save upto $393 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Festus, MO Homeowners Insurance By Home Value

Festus, MO Home Value Total Homes % of Total Average Festus, MO Homeowners Insurance
Less than $50,000 152 4.0% $176
$50,000 to $59,999 47 1.0% $373
$60,000 to $69,999 101 2.0% $462
$70,000 to $79,999 103 3.0% $530
$80,000 to $89,999 162 4.0% $599
$90,000 to $99,999 285 8.0% $668
$100,000 to $124,999 505 14.0% $776
$125,000 to $149,999 723 21.0% $973
$150,000 to $174,999 507 14.0% $1150
$175,000 to $199,999 376 10.0% $1327
$200,000 to $249,999 334 9.0% $1602
$250,000 to $299,999 66 1.0% $1956
$300,000 to $399,999 68 1.0% $2486

Top Home Insurance Agents Near Festus, MO

Home Insurance Company Near Festus, MO Homeowners Insurance Agency Near Festus, MO Address
Liberty Mutual Independent Custom Insurance Services 200 MISSISSIPPI AVE, CRYSTAL CITY, MO, 63019
State Farm Dave Brandmeyer 9 E Broadway, Trenton, IL, 62293-1301
Travelers Insurance Group Of St Charles County Llc 1049A E TERRA LN, OFALLON, MO, 63366
Travelers Meadow Park Insurance Agency 801 SOUTH WOODLAWN STE 21, OFALLON, MO, 63366
Nationwide Nowak Financial Group Llc 120 2nd St, De Soto, MO, 63020-2111

Cost Of Homeowners Insurance By Street Near Festus, MO

Streets in Festus Area Homeowners Insurance Cost
Living Water Ct, Hill Rd, Neale Dr, Massott Rd, Shapiro Dr, Heather Ct, Magnolia Ln, Argonne Woods, Autumn Ridge, 2nd Ave$968
Donover Ct, Spring Bluff Rd, Vfw Dr, Beth Ct, Manassas Dr, Danby Hills, Herculaneum Industrial Dr, Cherokee Ln, Riverport Dr, Old State Hwy A$996
Lee Ave, Hubic Ln, Silica Dr, Forest Acres, Delmar Ave, Fox Farm Rd, Moss Hollow Rd, Kassen Dr, Plant Dr, Springdale Ct$998
Rock N Horse South Dr, Loneleaf Pine Dr, Sweeney Dr, Greebrier, Crystal Ct, Rice St, Bennett Ct, Brady Ln, Mulberry St, Eagle Valley Dr$1,002
Lee Rd, Chestnut St, Ashley Dr, Edgewood Ln, Holly Ln, Upper Moss Hollow Rd, Penney Ln, George, N Truman Blvd, Morse$969
Bridle Ridge Rd, Smith Dr, Big Hollow Rd, Lakewood Ct, Country Ridge Ln, Mall St, Victory Farm Rd, Gray Hawk Dr, Yieda Dr, W Valle Dr$998
England Ave, Ponderosa Ln, Hunter Rd, Providence Park Ln, Westwood East Dr, Broadway Ave, Helterbrand Rd, Charles St, Cleveland Ave, Yeager Rd$1,000
Church Pl, Leesburg Dr, Pioneer Rd, Crystal Meadow Dr, Holly, Allen Buren Rd, Forest Haven, State Hwy Bb, N Main St, Bruhn Ln$1,000
Persimmon Point Dr, Jackson Ave, Oak St, Airport Rd, Tatoga Ct, Hwy Z, Happy Valley Dr, Liberty Ln, Richard St, Toria Rd$991
Eckardt Ln, Ogle Ridge Rd, N 4th St, Santschi Dr, Anchorage Dr, Williamsburg Dr, Fletcher Dr, Marriot Ests, Bradford Ct, Schumer Dr$989

Festus, MO Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Festus$146 to $148
River View$146
Crystal City$145
Herculaneum$149

Festus, 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
River View township, Jefferson County, Missouri $122 $163 $244
Crystal City city, Missouri $122 $162 $243
Herculaneum city, Missouri $125 $166 $249

Festus, 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
Festus, MO6.5%24.8%
River View6.75%25.08%
Crystal City7.09%23.92%
Herculaneum6.49%21.5%

Festus Renters Insurance as a Percentage of Rent

Festus Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 92 8.0% $791
$300 to $499 234 20.0% $1241
$500 to $749 488 43.0% $1916
$750 to $999 181 16.0% $2666
$1,000 to $1,499 92 8.0% $3791
$1,500 or more 31 2.0% $5441

Festus, MO Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$1,600
Yearly Festus Homeowner Insurance Premium Example $600$400
Out of Pocket Expense During Claim$600$1,600
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $5,400$4,800
Net Savings to Festus Home Owner from High Deductible Plan $600

Festus, MO Home Insurance Costs With Home Replacement Value Scenarios

Scenario Festus, MO Home Replacement Value MORE than Home Value Festus, MO Home Replacement Value LESS than Home Value
Replacement Value $184,000 $105,500
Insurance Premium based on Replacement Value $1,100 $625
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $45,500 Risk Exposure from Under Insuring Coverage is $33,000
Premium Impact Insurance cheaper by $200/year Insurance costlier by $275/year

Example Festus Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualAllstateTravelers
Monthly Premium 6039124
Year Built 200819622010
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths5 Beds, 2 Baths
Coverage Amount $125000-$150000$100000-$125000$350000-$400000
Deductible $500 Deductible$500 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1988 235,000 Asphalt Shingles Roof 2,600 5 $2500-$5000 Deductible 190 2 Vinyl siding No
2012 385,000 Slate Shingles Roof 4,690 5 $2500-$5000 Deductible 460 4 Fiber-Cement Siding No
1961 225,000 Membrane Roof 2,320 3 $2500-$5000 Deductible 270 3 Stucco siding yes
1964 205,000 Slate Shingles Roof 2,400 4 $2500-$5000 Deductible 790 12 Brick siding yes
2010 295,000 Shingles Roof 2,990 4 > $10,000 Deductible 330 5 Stucco siding yes
1986 150,000 Asphalt Shingles Roof 1,700 3 $1000-$2500 Deductible 400 7 Wood siding No
1969 285,000 Wood Shake Roof 3,010 5 $5000 to $10,000 Deductible 370 6 Vinyl siding yes
1967 220,000 Membrane Roof 2,690 4 $1000-$2500 Deductible 450 6 Vinyl siding yes
1966 285,000 Tile Roof 2,920 4 $1000-$2500 Deductible 1180 9 Wood siding No
2011 115,000 Membrane Roof 1,490 3 $500- $1000 Deductible 170 3 Vinyl siding No
1989 265,000 Membrane Roof 2,710 4 $500- $1000 Deductible 550 6 Brick siding yes
2004 335,000 Metal Roof 4,610 5 $2500-$5000 Deductible 270 3 Fiber-Cement Siding No
2007 190,000 Tile Roof 2,180 5 $5000 to $10,000 Deductible 440 9 Stucco siding yes
1968 115,000 Asphalt Shingles Roof 1,560 3 $1000-$2500 Deductible 90 2 Stone Siding No
2001 230,000 Membrane Roof 2,410 4 > $10,000 Deductible 620 9 Vinyl siding yes
2011 305,000 Composition Roof 3,010 4 $500 Deductible 260 2 Brick siding No
1964 175,000 Shingles Roof 1,760 4 $500- $1000 Deductible 560 10 Fiber-Cement Siding yes
2011 135,000 Asphalt Shingles Roof 1,730 3 $1000-$2500 Deductible 260 8 Stucco siding yes
2014 185,000 Slate Shingles Roof 2,020 3 $5000 to $10,000 Deductible 180 3 Wood siding yes
1961 140,000 Composition Roof 1,940 3 $500 Deductible 40 1 Fiber-Cement Siding yes
1967 200,000 Shingles Roof 1,960 5 $500- $1000 Deductible 390 5 Vinyl siding yes
1989 120,000 Slate Shingles Roof 1,250 3 $500- $1000 Deductible 150 3 Brick siding No
1966 165,000 Shingles Roof 2,030 3 $1000-$2500 Deductible 130 2 Vinyl siding yes
1984 145,000 Wood Shake Roof 1,950 3 $500- $1000 Deductible 370 6 Stucco siding No
2008 340,000 Metal Roof 3,600 5 > $10,000 Deductible 680 10 Vinyl siding yes
1969 230,000 Slate Shingles Roof 2,510 4 $500- $1000 Deductible 450 4 Wood siding No
2000 160,000 Composition Roof 1,610 3 $500 Deductible 410 6 Stucco siding No
2007 345,000 Composition Roof 4,120 5 $500- $1000 Deductible 1640 12 Stucco siding yes
2008 150,000 Shingles Roof 1,780 3 $500 Deductible 190 3 Brick siding No
2011 165,000 Slate Shingles Roof 1,610 3 $500 Deductible 400 6 Stone Siding yes
1962 235,000 Metal Roof 2,370 3 $500- $1000 Deductible 370 5 Brick siding yes
1962 230,000 Composition Roof 3,130 4 $500- $1000 Deductible 260 3 Stucco siding yes
1964 300,000 Membrane Roof 3,040 4 $500- $1000 Deductible 410 3 Fiber-Cement Siding yes
2010 155,000 Tile Roof 1,610 3 $2500-$5000 Deductible 180 3 Vinyl siding No