Galena, MO Home Insurance - Analysis On Quotes, Rates & Agents
Galena Insurance Rates:
Galena, MO homeowners insurance is about $808 to $1,099, about $67-$91/month. Our complete research reveals consumers can save upto $381 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Latest Home Insurance Reviews
State FarmI love their ads, customer service as well as their sales people. always make me feel like i'm taken care of.
ProgressiveThey can have very long hold times when calling in to a representative. while the representatives are always friendly, it seems that they may be understaffing their office.
Farmer's InsuranceI feel that farmers insurance is a great company and we have been with them for over 20 years. our agent keeps us informed of any changes and it is hard to leave the company after all that time.
ShelterI have been very happy with our experiences with our insurance company, as we have never had issues with claims or getting information to or from them.
Amica Mutual InsuranceI think that they could do a better job keeping the premium in line with industry average
State FarmIn the communication that i've had with my local agent, he's been very good, but the main lady in his office is not efficient. When we had them come out several years ago to evaluate the roof, the process was very easy and impressive.
State FarmI really don't dislike anything. I love everything about them. Most people complain about insurance companies, but I have not had one bad interaction with them
AllstateThe company's sales representatives are relatively polite. They are very knowledgeable about their policies even if they are not adequately priced.
Ashley Swegle AgencyI dislike insurance, it is nothing but a bet against myself. A company cannot rate above 3 in my opinion.
ProgressiveThey were extremely professional and friendly. I would highly recommend Progressive to family and/or friends. Easy to set up and easy to set up allotments as well.
Galena, MO Homeowners Insurance By Home Value
| Galena, MO Home Value | Total Homes | % of Total | Average Galena, MO Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 1,046 | 16.0% | $238 |
| $50,000 to $59,999 | 340 | 5.0% | $505 |
| $60,000 to $69,999 | 672 | 10.0% | $629 |
| $70,000 to $79,999 | 509 | 7.0% | $725 |
| $80,000 to $89,999 | 401 | 6.0% | $829 |
| $90,000 to $99,999 | 448 | 6.0% | $925 |
| $100,000 to $124,999 | 991 | 15.0% | $1068 |
| $125,000 to $149,999 | 661 | 10.0% | $1345 |
| $150,000 to $174,999 | 470 | 7.0% | $1583 |
| $175,000 to $199,999 | 333 | 5.0% | $1831 |
| $200,000 to $249,999 | 251 | 3.0% | $2203 |
| $250,000 to $299,999 | 208 | 3.0% | $2690 |
| $300,000 to $399,999 | 95 | 1.0% | $3415 |
Top Home Insurance Agents Near Galena, MO
| Home Insurance Company Near Galena, MO | Homeowners Insurance Agency Near Galena, MO | Address |
|---|---|---|
| State Farm | Kyle Hickam | 2606 E 32nd St, Joplin, MO, 64804-4304 |
| Farmers | Kyle Newbold | 403 Plaza Dr, Monett, MO, 65708 |
| State Farm | Rod Burns | 1501 Military Ave, Baxter Spgs, KS, 66713-2720 |
| Farmers | Steven Smith | 1321 Illinois Ave, Joplin, MO, 64801 |
| Travelers | Alliance Insurance | 1318 E 7TH ST, JOPLIN, MO, 64801 |
Cost Of Homeowners Insurance By Street Near Galena, MO
| Streets in Galena Area | Homeowners Insurance Cost |
|---|---|
| Quail Run, Heartland Ave, Faison Ln, N Wall St, S Stateline Rd, Skinner St, N Calliopi Ln, W 15th St, N Thicket Rd, S Sergeant Ave | $967 |
| W 31st Ter, W Eddy Ln, W Destiny Dr, SE 118th St, W 23rd Ter, W 27th St, Cl 292, S Parsley Ln, Icharius Ln, Co Ln 302 | $960 |
| W F St, Mistflower Ln, W Elm Dr, N Upward Ln, Frontier Ln, S Sassafras Ln, Co Ln 295, Twin Hills Dr, W 22nd St, Allen St | $966 |
| Ashwood Dr, Green Ln, Festive Ln, W 23rd Street Ter, Springhill Cir, Hawthorn Rd, N Maiden Ln, Perkins St, W Robin Rd, W Well St | $979 |
| Rasberry Ln, Hill Ln, Fossil Ln, Iron Gates Rd, Mylinda Leah Ln, Lone Elm Dr, S Nebraska Ln, Co Rd 303, J J Hwy, N Mc Kinley Ave | $964 |
Galena, MO Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Galena | $142 to $145 |
| Airport Drive | $148 |
| Carl Junction | $145 |
| Joplin | $143 |
Galena, 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 |
|---|---|---|---|
| Airport Drive village, Missouri | $124 | $165 | $247 |
| Carl Junction city, Missouri | $121 | $161 | $242 |
| Joplin city, Missouri | $119 | $159 | $238 |
Galena, MO Area Home Insurance as a % of Housing Cost
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Galena, MO | 8.6% | 21.7% |
| Airport Drive | 6.6% | 19.78% |
| Carl Junction | 7.51% | 20.57% |
| Joplin | 8.31% | 22.21% |
Galena Renters Insurance as a Percentage of Rent
| Galena Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 69 | 1.0% | $354 |
| $200 to $299 | 182 | 4.0% | $804 |
| $300 to $499 | 687 | 17.0% | $1254 |
| $500 to $749 | 1,690 | 42.0% | $1929 |
| $750 to $999 | 843 | 21.0% | $2679 |
| $1,000 to $1,499 | 516 | 12.0% | $3804 |
Galena, MO Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,800 | $2,800 |
| Yearly Galena Homeowner Insurance Premium Example | $900 | $700 |
| Out of Pocket Expense During Claim | $1,800 | $2,800 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $9,000 | $8,400 |
| Net Savings to Galena Home Owner from High Deductible Plan | $600 | |
Galena, MO Home Insurance Costs With Home Replacement Value Scenarios
| Scenario | Galena, MO Home Replacement Value MORE than Home Value | Galena, MO Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $78,000 | $56,000 |
| Insurance Premium based on Replacement Value | $350 | $250 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $13,000 | Risk Exposure from Under Insuring Coverage is $9,000 |
| Premium Impact | Insurance cheaper by $25/year | Insurance costlier by $75/year |
Example Galena Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| Insurance Company | Amica Mutual Insurance Company | GEICO Insurance | Nationwide Insurance |
| Monthly Premium | 67 | 63 | 25 |
| Year Built | 1944 | 1989 | 2013 |
| Home Details | 3 Beds, 2 Baths | 5 Beds, 2 Baths | 2 Beds, 1 Baths |
| Coverage Amount | $175000-$200000 | $125000-$150000 | $50000-$75000 |
| Deductible | $500 Deductible | $500 Deductible | $500- $1000 Deductible |
Sample Home Insurance Rates for Galena, MO from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 1961 | 100,000 | Slate Shingles Roof | 1,370 | 3 | $500 Deductible | 280 | 5 | Stone Siding | No |
| 1983 | 300,000 | Shingles Roof | 3,820 | 5 | $5000 to $10,000 Deductible | 350 | 5 | Stone Siding | yes |
| 2000 | 290,000 | Shingles Roof | 4,810 | 5 | $2500-$5000 Deductible | 260 | 3 | Vinyl siding | yes |
| 1965 | 95,000 | Membrane Roof | 1,380 | 3 | $1000-$2500 Deductible | 70 | 2 | Brick siding | yes |
| 1968 | 145,000 | Membrane Roof | 1,930 | 3 | $1000-$2500 Deductible | 360 | 7 | Brick siding | yes |
| 1987 | 100,000 | Shingles Roof | 1,790 | 2 | $2500-$5000 Deductible | 240 | 9 | Vinyl siding | No |
| 1964 | 225,000 | Metal Roof | 3,090 | 4 | $500 Deductible | 450 | 4 | Fiber-Cement Siding | yes |
| 1940 | 150,000 | Wood Shake Roof | 2,430 | 5 | $500 Deductible | 610 | 9 | Brick siding | yes |
| 2003 | 170,000 | Wood Shake Roof | 2,910 | 5 | $500- $1000 Deductible | 440 | 8 | Vinyl siding | No |
| 2010 | 90,000 | Composition Roof | 1,480 | 2 | $1000-$2500 Deductible | 170 | 7 | Fiber-Cement Siding | yes |
| 1984 | 100,000 | Slate Shingles Roof | 1,630 | 3 | $500 Deductible | 140 | 4 | Stone Siding | yes |
| 2013 | 90,000 | Metal Roof | 1,400 | 3 | $500- $1000 Deductible | 200 | 6 | Stone Siding | yes |
| 2012 | 95,000 | Asphalt Shingles Roof | 1,150 | 2 | $500 Deductible | 220 | 4 | Vinyl siding | No |
| 1987 | 130,000 | Metal Roof | 1,580 | 3 | $500- $1000 Deductible | 220 | 6 | Fiber-Cement Siding | yes |
| 2012 | 195,000 | Wood Shake Roof | 2,520 | 4 | $500- $1000 Deductible | 710 | 8 | Fiber-Cement Siding | yes |
| 2005 | 80,000 | Slate Shingles Roof | 1,090 | 2 | $2500-$5000 Deductible | 200 | 8 | Stone Siding | yes |
| 1963 | 95,000 | Asphalt Shingles Roof | 1,550 | 2 | $500- $1000 Deductible | 310 | 9 | Stucco siding | yes |
| 2014 | 115,000 | Membrane Roof | 1,990 | 5 | $1000-$2500 Deductible | 160 | 4 | Wood siding | yes |
| 1985 | 85,000 | Metal Roof | 1,010 | 2 | $1000-$2500 Deductible | 30 | 1 | Stone Siding | No |
| 1949 | 125,000 | Metal Roof | 1,570 | 2 | $1000-$2500 Deductible | 40 | 1 | Stone Siding | No |
| 1989 | 75,000 | Membrane Roof | 1,090 | 2 | $500 Deductible | 250 | 12 | Vinyl siding | No |
| 1989 | 115,000 | Asphalt Shingles Roof | 1,630 | 2 | $500- $1000 Deductible | 250 | 6 | Stone Siding | No |
| 2005 | 205,000 | Wood Shake Roof | 2,500 | 5 | $2500-$5000 Deductible | 120 | 2 | Stone Siding | yes |
| 2002 | 165,000 | Asphalt Shingles Roof | 2,900 | 5 | $2500-$5000 Deductible | 300 | 5 | Fiber-Cement Siding | yes |
| 2008 | 115,000 | Membrane Roof | 2,020 | 3 | $2500-$5000 Deductible | 290 | 7 | Fiber-Cement Siding | No |
| 1946 | 140,000 | Membrane Roof | 1,930 | 3 | $500 Deductible | 180 | 4 | Fiber-Cement Siding | yes |
| 1987 | 130,000 | Tile Roof | 2,210 | 5 | $2500-$5000 Deductible | 100 | 3 | Brick siding | yes |
| 1969 | 115,000 | Composition Roof | 1,630 | 2 | $1000-$2500 Deductible | 80 | 2 | Stucco siding | No |
| 1946 | 145,000 | Shingles Roof | 2,230 | 3 | $500 Deductible | 670 | 10 | Stucco siding | No |
| 1940 | 90,000 | Asphalt Shingles Roof | 1,270 | 3 | $500- $1000 Deductible | 330 | 9 | Vinyl siding | yes |
| 2010 | 110,000 | Tile Roof | 1,350 | 2 | $500 Deductible | 350 | 6 | Brick siding | No |
| 1947 | 100,000 | Shingles Roof | 1,490 | 2 | $1000-$2500 Deductible | 90 | 3 | Vinyl siding | No |
| 1984 | 125,000 | Composition Roof | 1,560 | 3 | $500- $1000 Deductible | 450 | 7 | Fiber-Cement Siding | yes |