Kirksville Insurance Rates:

Kirksville, MO homeowners insurance is about $805 to $1,095, about $67-$91/month. Our detailed guide indicates shoppers can save as much as $380 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
I would rate State Farm a 2. I love the customer service interactions, and the different options the company offers for everything!

Kirksville, MO Homeowners Insurance By Home Value

Kirksville, MO Home Value Total Homes % of Total Average Kirksville, MO Homeowners Insurance
Less than $50,000 521 16.0% $256
$50,000 to $59,999 276 8.0% $532
$60,000 to $69,999 196 6.0% $665
$70,000 to $79,999 324 10.0% $769
$80,000 to $89,999 213 6.0% $874
$90,000 to $99,999 369 11.0% $978
$100,000 to $124,999 271 8.0% $1130
$125,000 to $149,999 229 7.0% $1415
$150,000 to $174,999 215 6.0% $1672
$175,000 to $199,999 126 4.0% $1928
$200,000 to $249,999 119 3.0% $2318
$250,000 to $299,999 103 3.0% $2831
$300,000 to $399,999 122 3.0% $3600

Top Home Insurance Agents Near Kirksville, MO

Home Insurance Company Near Kirksville, MO Homeowners Insurance Agency Near Kirksville, MO Address
State Farm Racquel Schempp 1220 N Baltimore St, Kirksville, MO, 63501
NA Jerry And Judy Power Insurance Agenc 203 N William St, Moravia, IA, 52571
NA Hawk Insurance Agency 110 North 18Th Street, Centerville, IA, 52544
State Farm Brett Brewer 225 West Commercial, Kahoka, MO, 63445
Travelers Consolidated Insurance Agency 208 N Rollins St, Macon, MO, 63552

Cost Of Homeowners Insurance By Street Near Kirksville, MO

Streets in Kirksville Area Homeowners Insurance Cost
Janeway, Connelsville Rd, Willow Creek Way, Peaceful Point Rd, 2nd St, Little Trl, Shibley Rd, E Pierce St, Chrysler Way, S Sheridan St$986
N Baltimore St, Redbird Ln, N Walnut St, Co Rd 52B, W Mary Ave, Wild Horse Way, Chelsea Dr, N Kimberling Dr, Co Rd 138A, Co Rd 157A$981
Co Rd 312 D, Co Rd 127B, Co Rd 239D, Bob Rd, Clay Way, Nature Ln, Co Rd 111 A, Co Rd 146A, Co Rd 387C, Caterpillar Rd$990
Hickory Ridge Trl, Co Rd 262, Louisa St, E Dear St, Morton Rd, Co Rd 167A, Primrose Trl, Laharpe St, Co 76B, Salisbury Cemetery Trl$997
Co Rd 245, Co Rd 344 D, Cromell Trl, Lake St, Sand Creek Bottom Rd, Co Rd 112 B, Co Rd 112 B, Dogwood Ln, Seven Oaks Ln, Northtown Rd$984
Filmore St, Co Rd 36A, Oak St, W Mill St, E Scott St, Aspen Ln, S Cottage Grove Ave, First Settlement Trl, W Missouri St, Salter Pl$979
Co Rd 123B, Co Rd 211, Co Rd 163A, Franklin St, Co Rd 250 D, Lincoln Way, Teal Dr, Forest Trl, Rye Creek Rd, Liberty School Trl$994
Co Rd 68, Northwood Trl, Co Rd 260D, Catalina, N Decker Rd, Spencer Ln, N Davis St, Billy Creek Trl, N Lincoln St, Evergreen Rd$943
Co Rd 280, Co Rd 143A, Co Rd 411 C, Co Rd 30A, Martin Ridge Rd, Miller Ave, Igloo Trl, Palmer Dr, Little Trl, Co Rd 174$954
Hornet Way, Mercury Ln, Hungry Hollow Rd, Milbrook Trl, Davis St, Whispering Pine Trl, Gifford Trl, Co Rd 336, Indian Mound Trl, Cattail Trl$944

Kirksville, MO Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Kirksville$142 to $144
Benton$143
Millard$138
Novinger$136

Kirksville, 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
Benton township, Adair County, Missouri $143 $190 $285
Adair County, Missouri $143 $191 $287
Millard village, Missouri $138 $184 $276

Kirksville, 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
Kirksville, MO9.5%24.9%
Benton8.99%23.59%
Adair County8.99%23.34%
Millard10.24%20.77%

Kirksville Renters Insurance as a Percentage of Rent

Kirksville Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 118 3.0% $356
$200 to $299 261 7.0% $806
$300 to $499 1,153 35.0% $1256
$500 to $749 1,015 30.0% $1931
$750 to $999 485 14.0% $2681
$1,000 to $1,499 240 7.0% $3806

Kirksville, MO Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,600$3,600
Yearly Kirksville Homeowner Insurance Premium Example $1,600$1,200
Out of Pocket Expense During Claim$1,600$3,600
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $14,400$13,200
Net Savings to Kirksville Home Owner from High Deductible Plan $1,200

Kirksville, MO Home Insurance Costs With Home Replacement Value Scenarios

Scenario Kirksville, MO Home Replacement Value MORE than Home Value Kirksville, MO Home Replacement Value LESS than Home Value
Replacement Value $153,500 $110,000
Insurance Premium based on Replacement Value $775 $550
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $29,500 Risk Exposure from Under Insuring Coverage is $14,000
Premium Impact Insurance cheaper by $75/year Insurance costlier by $150/year

Example Kirksville Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceFarmers InsuranceState Farm
Monthly Premium 243045
Year Built 200019491972
Home Details 2 Beds, 1 Baths3 Beds, 1 Baths4 Beds, 1 Baths
Coverage Amount $75000-$100000$75000-$100000$125000-$150000
Deductible $2500-$5000 Deductible$500 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1946 200,000 Membrane Roof 3,320 4 $500 Deductible 760 9 Wood siding No
2011 240,000 Wood Shake Roof 3,280 4 > $10,000 Deductible 350 7 Vinyl siding No
1999 190,000 Tile Roof 3,340 4 $1000-$2500 Deductible 340 5 Wood siding yes
1946 115,000 Shingles Roof 1,530 3 $1000-$2500 Deductible 140 4 Stucco siding yes
1990 185,000 Membrane Roof 2,330 3 $5000 to $10,000 Deductible 220 4 Fiber-Cement Siding yes
1972 115,000 Shingles Roof 1,600 2 $2500-$5000 Deductible 250 6 Wood siding No
1989 70,000 Slate Shingles Roof 1,190 2 $500 Deductible 120 4 Wood siding yes
1965 70,000 Tile Roof 1,220 2 $2500-$5000 Deductible 100 5 Wood siding No
2004 110,000 Asphalt Shingles Roof 1,760 3 $500 Deductible 30 1 Wood siding yes
1960 90,000 Asphalt Shingles Roof 1,480 3 $1000-$2500 Deductible 80 3 Stone Siding No
1997 65,000 Slate Shingles Roof 1,180 2 $500- $1000 Deductible 230 12 Fiber-Cement Siding yes
2009 85,000 Wood Shake Roof 1,470 2 $2500-$5000 Deductible 160 5 Vinyl siding No
1978 180,000 Wood Shake Roof 2,750 4 $500- $1000 Deductible 590 9 Fiber-Cement Siding No
1948 105,000 Composition Roof 1,870 3 $500- $1000 Deductible 200 6 Fiber-Cement Siding No
2008 115,000 Tile Roof 1,460 2 $500 Deductible 240 7 Stone Siding yes
2005 70,000 Wood Shake Roof 1,200 2 $500- $1000 Deductible 220 10 Wood siding yes
1975 65,000 Wood Shake Roof 900 2 $500- $1000 Deductible 340 12 Stone Siding yes
1991 170,000 Composition Roof 2,180 3 $1000-$2500 Deductible 500 7 Stone Siding No
1999 185,000 Composition Roof 3,280 4 $500- $1000 Deductible 150 2 Brick siding yes
1942 170,000 Asphalt Shingles Roof 2,160 3 $1000-$2500 Deductible 270 4 Wood siding yes
1949 155,000 Membrane Roof 1,980 3 $500- $1000 Deductible 300 4 Fiber-Cement Siding yes
2012 80,000 Slate Shingles Roof 1,070 2 $500 Deductible 230 7 Fiber-Cement Siding yes
1967 150,000 Asphalt Shingles Roof 2,750 4 $5000 to $10,000 Deductible 230 5 Stucco siding No
1975 130,000 Wood Shake Roof 1,780 2 $1000-$2500 Deductible 120 3 Stone Siding yes
1964 85,000 Asphalt Shingles Roof 1,570 2 $500 Deductible 320 8 Brick siding yes
1995 185,000 Composition Roof 2,480 4 $5000 to $10,000 Deductible 560 8 Stone Siding No
1966 95,000 Metal Roof 1,330 2 $500- $1000 Deductible 220 8 Vinyl siding yes
1961 95,000 Wood Shake Roof 1,560 2 $1000-$2500 Deductible 380 12 Stucco siding No
1998 165,000 Composition Roof 2,640 4 $1000-$2500 Deductible 720 10 Fiber-Cement Siding yes
1966 115,000 Shingles Roof 1,640 2 $500- $1000 Deductible 30 1 Fiber-Cement Siding No
1987 150,000 Membrane Roof 2,030 3 $500- $1000 Deductible 740 12 Brick siding No