Hannibal, MO Home Insurance - Analysis On Quotes, Rates & Agents
Hannibal Insurance Rates:
Hannibal, MO homeowners insurance is about $801 to $1,091, about $66-$90/month. Our thorough guide shows customers can save upto $378 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Latest Home Insurance Reviews
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Hannibal, MO Homeowners Insurance By Home Value
| Hannibal, MO Home Value | Total Homes | % of Total | Average Hannibal, MO Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 961 | 22.0% | $264 |
| $50,000 to $59,999 | 347 | 8.0% | $567 |
| $60,000 to $69,999 | 476 | 11.0% | $700 |
| $70,000 to $79,999 | 222 | 5.0% | $813 |
| $80,000 to $89,999 | 299 | 6.0% | $927 |
| $90,000 to $99,999 | 196 | 4.0% | $1031 |
| $100,000 to $124,999 | 450 | 10.0% | $1191 |
| $125,000 to $149,999 | 453 | 10.0% | $1494 |
| $150,000 to $174,999 | 423 | 9.0% | $1769 |
| $175,000 to $199,999 | 46 | 1.0% | $2043 |
| $200,000 to $249,999 | 149 | 3.0% | $2459 |
| $250,000 to $299,999 | 166 | 3.0% | $2998 |
| $300,000 to $399,999 | 87 | 2.0% | $3812 |
Top Home Insurance Agents Near Hannibal, MO
| Home Insurance Company Near Hannibal, MO | Homeowners Insurance Agency Near Hannibal, MO | Address |
|---|---|---|
| NA | Moore Insurance Advisors | 2801 Broadway St, Quincy, IL, 62301 |
| NA | Mbt Insurance Agency | 400 S Muldrow St, Mexico, MO, 65265 |
| Travelers | Gem City Insurance Agency | 535 MAINE ST STE 1B, QUINCY, IL, 62301 |
| Farmers | Matthew Dunbar | 3434 Georgia St, Louisiana, MO, 63353 |
| State Farm | Steve Kroeck | 1210 S Bus Hwy 61, Bowling Green, MO, 63334 |
Cost Of Homeowners Insurance By Street Near Hannibal, MO
| Streets in Hannibal Area | Homeowners Insurance Cost |
|---|---|
| Banister Pl, Ledbetter Ln, Plumcreek Ln, Cumberland Trl, Norwoods Pl, Quarry Dr, State Hwy CC, E Ely St, Darr St, Quarry Ln | $958 |
| Norwoods Ct, Dunlop St, Nez Perce Rd, Orchard Ave, Carson Trl, Eagle Trail Ridge Ct, Short St, Miller Pl, State Hwy M, Orchard Rd | $968 |
| Tanglewood Pl, Aspen Trl, State Hwy O, State Hwy Ff, N Floweree St, Columbus Trl, Apache Dr, Sundance Dr, N Center St, S Elm St | $979 |
| N Public St, S Public St, Comanche Dr, Beaver Rd, Kingsville Rd, Dalton Ln, Turner Acres Pl, N Meadow St, State Hwy H, Otter Rd | $957 |
| Prince Ave, N Main St, Badger Rd, Shagbark Pl, Navajo Dr, N Elm St, Broadway St, Ute Dr, Ash Trl, Doe Run Rd | $963 |
Hannibal, MO Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Hannibal | $141 to $144 |
| Mason | $140 |
| Miller | $148 |
| Levee | $108 |
Hannibal, 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 |
|---|---|---|---|
| Mason township, Marion County, Missouri | $140 | $186 | $279 |
| Miller township, Marion County, Missouri | $148 | $197 | $296 |
| Fall Creek township, Adams County, Illinois | $111 | $148 | $222 |
Hannibal, 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 |
|---|---|---|
| Hannibal, MO | 8.5% | 20.8% |
| Mason | 8.98% | 20.7% |
| Miller | 7.55% | 21.36% |
| Fall Creek | 3.35% | 10.29% |
Hannibal Renters Insurance as a Percentage of Rent
| Hannibal Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 118 | 4.0% | $358 |
| $200 to $299 | 136 | 5.0% | $808 |
| $300 to $499 | 586 | 23.0% | $1258 |
| $500 to $749 | 1,075 | 43.0% | $1933 |
| $750 to $999 | 443 | 18.0% | $2683 |
| $1,000 to $1,499 | 84 | 3.0% | $3808 |
Hannibal, MO Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,300 | $2,300 |
| Yearly Hannibal Homeowner Insurance Premium Example | $600 | $400 |
| Out of Pocket Expense During Claim | $1,300 | $2,300 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $6,100 | $5,500 |
| Net Savings to Hannibal Home Owner from High Deductible Plan | $600 | |
Hannibal, MO Home Insurance Costs With Home Replacement Value Scenarios
| Scenario | Hannibal, MO Home Replacement Value MORE than Home Value | Hannibal, MO Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $159,500 | $100,000 |
| Insurance Premium based on Replacement Value | $675 | $425 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $23,500 | Risk Exposure from Under Insuring Coverage is $36,000 |
| Premium Impact | Insurance cheaper by $150/year | Insurance costlier by $100/year |
Example Hannibal Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| Insurance Company | State Farm | American Family Insurance | Travelers |
| Monthly Premium | 29 | 42 | 28 |
| Year Built | 1977 | 1945 | 2000 |
| Home Details | 3 Beds, 2 Baths | 4 Beds, 1 Baths | 5 Beds, 4 Baths |
| Coverage Amount | $75000-$100000 | $175000-$200000 | $100000-$125000 |
| Deductible | $500- $1000 Deductible | $5000 to $10,000 Deductible | $2500-$5000 Deductible |
Sample Home Insurance Rates for Hannibal, MO from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 1977 | 105,000 | Tile Roof | 1,970 | 3 | $1000-$2500 Deductible | 340 | 8 | Stucco siding | No |
| 1970 | 175,000 | Shingles Roof | 2,970 | 4 | $500- $1000 Deductible | 490 | 8 | Brick siding | yes |
| 1984 | 170,000 | Membrane Roof | 2,390 | 3 | $5000 to $10,000 Deductible | 40 | 1 | Brick siding | No |
| 1967 | 140,000 | Asphalt Shingles Roof | 2,540 | 4 | $500- $1000 Deductible | 310 | 5 | Stone Siding | yes |
| 1983 | 150,000 | Asphalt Shingles Roof | 2,370 | 3 | $1000-$2500 Deductible | 390 | 7 | Stucco siding | No |
| 1983 | 230,000 | Slate Shingles Roof | 4,070 | 5 | $500- $1000 Deductible | 150 | 2 | Stucco siding | No |
| 2000 | 95,000 | Slate Shingles Roof | 1,480 | 3 | $500- $1000 Deductible | 40 | 1 | Stucco siding | No |
| 1966 | 245,000 | Wood Shake Roof | 3,370 | 4 | $500- $1000 Deductible | 1090 | 12 | Wood siding | No |
| 1948 | 90,000 | Wood Shake Roof | 1,430 | 3 | $1000-$2500 Deductible | 170 | 6 | Brick siding | yes |
| 1988 | 100,000 | Metal Roof | 1,740 | 3 | $2500-$5000 Deductible | 240 | 9 | Brick siding | No |
| 1940 | 115,000 | Membrane Roof | 1,680 | 4 | $500 Deductible | 150 | 3 | Vinyl siding | yes |
| 1947 | 185,000 | Composition Roof | 3,400 | 4 | $1000-$2500 Deductible | 80 | 2 | Wood siding | yes |
| 1960 | 190,000 | Tile Roof | 3,350 | 5 | $2500-$5000 Deductible | 140 | 3 | Brick siding | yes |
| 1983 | 310,000 | Metal Roof | 4,620 | 5 | $2500-$5000 Deductible | 690 | 10 | Stone Siding | No |
| 1944 | 210,000 | Slate Shingles Roof | 3,340 | 4 | $500- $1000 Deductible | 570 | 7 | Brick siding | yes |
| 1981 | 130,000 | Asphalt Shingles Roof | 2,150 | 3 | $500- $1000 Deductible | 590 | 12 | Brick siding | yes |
| 2005 | 150,000 | Slate Shingles Roof | 2,560 | 5 | $500 Deductible | 60 | 1 | Wood siding | yes |
| 1966 | 155,000 | Composition Roof | 2,160 | 5 | $1000-$2500 Deductible | 220 | 4 | Brick siding | yes |
| 1980 | 165,000 | Metal Roof | 2,240 | 4 | $500 Deductible | 560 | 10 | Stucco siding | yes |
| 1949 | 130,000 | Wood Shake Roof | 2,400 | 5 | $2500-$5000 Deductible | 330 | 9 | Stucco siding | No |
| 1965 | 270,000 | Slate Shingles Roof | 4,530 | 5 | $2500-$5000 Deductible | 1100 | 12 | Brick siding | yes |
| 1978 | 175,000 | Asphalt Shingles Roof | 3,040 | 4 | $500- $1000 Deductible | 260 | 4 | Stone Siding | No |
| 2001 | 250,000 | Asphalt Shingles Roof | 3,260 | 4 | $500- $1000 Deductible | 1240 | 12 | Wood siding | yes |
| 1944 | 110,000 | Metal Roof | 1,900 | 3 | $2500-$5000 Deductible | 440 | 9 | Fiber-Cement Siding | No |
| 1987 | 125,000 | Tile Roof | 1,780 | 3 | $500- $1000 Deductible | 400 | 12 | Fiber-Cement Siding | No |
| 1977 | 100,000 | Composition Roof | 1,850 | 3 | $2500-$5000 Deductible | 80 | 3 | Stucco siding | yes |
| 2000 | 125,000 | Metal Roof | 1,980 | 4 | $500- $1000 Deductible | 560 | 12 | Fiber-Cement Siding | No |
| 1948 | 105,000 | Composition Roof | 1,780 | 3 | $1000-$2500 Deductible | 290 | 12 | Stucco siding | No |
| 1966 | 80,000 | Shingles Roof | 1,420 | 3 | $2500-$5000 Deductible | 180 | 7 | Brick siding | No |
| 2000 | 95,000 | Composition Roof | 1,710 | 3 | $500- $1000 Deductible | 310 | 9 | Vinyl siding | No |
| 1945 | 215,000 | Wood Shake Roof | 3,350 | 4 | $1000-$2500 Deductible | 390 | 4 | Brick siding | No |
| 1982 | 80,000 | Slate Shingles Roof | 1,430 | 3 | $500- $1000 Deductible | 280 | 12 | Stucco siding | yes |
| 1967 | 100,000 | Wood Shake Roof | 1,910 | 3 | $1000-$2500 Deductible | 260 | 7 | Fiber-Cement Siding | yes |
| 1942 | 150,000 | Shingles Roof | 2,240 | 4 | $2500-$5000 Deductible | 60 | 1 | Brick siding | No |