Kirkwood Insurance Rates:

Kirkwood, MO homeowners insurance is roughly $893 to $1,215, about $74-$101/month. Our extensive analysis shows customers can save as much as $421 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Farmer's Insurance
Our farmers insurance agent is top notch. she is always there to answer questions. susan is friendly and knowledgeable about our home owners policy.
State Farm
The website sucks and that can make it hard to pay bills online if you prefer to pay that way.
State Farm
This company is known worldwide. there is no one on earth who has not ever heard of this company.
American Family
Good interaction communication has been made wonderful experience of it. It would be very good and nice for it. Great to have the good thought of it
Aaa
IT IS GOOD AND WORTHY CUSTOMER SERVICE, I APPRECIATE
Alfa Insurance
Overall I really enjoy and respect this insurance company. They are timely, easy to communicate to, and most of all friendly people. I probably wouldn't switch insurance unless something major happens.
Liberty Mutual
To be honest I think I have only been on the website once since changing to Liberty Mutual. There has not been a need for the payments are automatically deducted from my checking account. However, I do not recall feeling that the website was hard to use.
Shelter
its a good insurance company they have always made sure i have gotten any help that i might need.
State Farm
They provide a reliable worry free service. We just pay our bill and I can sleep at night knowing that it is there if I need it. The prices are good and we are always treated fairly.

Kirkwood, MO Homeowners Insurance By Home Value

Kirkwood, MO Home Value Total Homes % of Total Average Kirkwood, MO Homeowners Insurance
Less than $50,000 148 2.0% $105
$80,000 to $89,999 99 1.0% $379
$90,000 to $99,999 119 1.0% $421
$100,000 to $124,999 514 7.0% $484
$125,000 to $149,999 347 4.0% $611
$150,000 to $174,999 928 12.0% $716
$175,000 to $199,999 958 13.0% $832
$200,000 to $249,999 1,933 26.0% $1001
$250,000 to $299,999 958 13.0% $1222
$300,000 to $399,999 1,092 15.0% $1559

Top Home Insurance Agents Near Kirkwood, MO

Home Insurance Company Near Kirkwood, MO Homeowners Insurance Agency Near Kirkwood, MO Address
NA Yates And Associates 17014 New College Ave Ste 205, Wildwood, MO, 63040
State Farm Cotter Lumley 7919 Big Bend Blvd Ste A, Webster Grvs, MO, 63119-2703
State Farm John Klaus 1108 Ostle, Collinsville, IL, 62234-2939
State Farm Kathy Bowden 12119 St Charls Rck Rd, Bridgeton, MO, 63044-2602
Allstate Missouri Insurance Group Llc 8515 Delmar Blvd Ste 201, Saint Louis, MO, 63124

Cost Of Homeowners Insurance By Street Near Kirkwood, MO

Streets in Kirkwood Area Homeowners Insurance Cost
Timberstone Ct, Break Ct, Hollyhead Ct, Oak Valley Dr, Idlewild Pl, N Crescent Dr, Doubletree Ln, Lynkirk Dr, Essex Ct, Rosewood Ln$1,016
S Woodlawn Ave, Barby Ln, Joe Ave, Timberwyck Dr, Maurer Ind Dr, Enola Ct, W Geyer Ln, Heege Ave, W Jefferson Ave, Cragwold Dr$1,023
Elmtree Ln, Grassy Ridge Rd, Boaz Ave, Bent Springs Dr, Alfred Ave, Stone Ridge Circle Ct, Wheatleigh Grove Rd, Gayola Dr, Tarrymore Ln, Millbrook Ln$1,060
Charmwood Ct, Grupp Rd, Wickerton Ct, Couch Ave, Trossock Ln, Windrush Dr, Rosebank Ln, Clark Ave, Sweetbriar Ln, Pharoah Dr$1,056
Tapawingo Pl, Montego Dr, Dickson St, Colonial Oak Ln, Pendant Ct, Kennerly Rd, Country Stone Manor Dr, Connemara Dr, Gabriel Ct, Montour Dr$1,071
Briarfarm Ln, Stonebrook Manors Ct, Windridge Ct, Vinetta Dr, Rose Ln, Robin Hood Ct, Whitehorse Ln, Squires Ln, Galway Dr, W Sarah Ave$1,160
Pinegate, Ridgelawn Dr, Minarca Dr, Douglass Ln, Pointe Dr, Fawnridge Dr, Laven del Ln, Hermitage Hill Pl, W Watson Rd, Montwood Ln$1,182
Bent Oak Ct, S Geyer Rd, Iris Ln, Borcherding Ln, W Ponca Trl, Bryan Meadows Ct, W Rose Hill Ave, Ohlman Ave, Tahiti Dr, Chicago St$999
Lockman Rd, Clayton Court Dr, Rieth Ter, Hawbrook Ct, Dogwood Creek Dr, Greenbriar Estates Dr, Brandon Woods Ln, Countryside Ln, N Van Buren Ave, Barrett Meadows Dr$1,058
Steeplechase Ct, Longstone Ln, Ballas Park Dr, Lynda Ct, Belfast Dr, E Adams Ave, Hiddendale Ln, Old Big Bend Rd, E Glenwood Ln, Marlann Dr$1,149

Kirkwood, MO Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Kirkwood$157 to $160
Des Peres$171
Bonhomme$158
Oakland$162

Kirkwood, 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
Des Peres city, Missouri $143 $191 $286
Bonhomme township, St. Louis County, Missouri $132 $176 $264
Oakland city, Missouri $135 $180 $270

Kirkwood, 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
Kirkwood, MO5.1%15.5%
Des Peres4.26%14.8%
Bonhomme4.99%15.67%
Oakland4.96%15.9%

Kirkwood Renters Insurance as a Percentage of Rent

Kirkwood Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 52 1.0% $310
$200 to $299 68 2.0% $760
$300 to $499 191 7.0% $1210
$500 to $749 465 17.0% $1885
$750 to $999 603 22.0% $2635
$1,000 to $1,499 940 35.0% $3760
$1,500 or more 310 11.0% $5410

Kirkwood, MO Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,300$3,300
Yearly Kirkwood Homeowner Insurance Premium Example $1,300$800
Out of Pocket Expense During Claim$1,300$3,300
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $10,400$8,900
Net Savings to Kirkwood Home Owner from High Deductible Plan $1,500

Kirkwood, MO Home Insurance Costs With Home Replacement Value Scenarios

Scenario Kirkwood, MO Home Replacement Value MORE than Home Value Kirkwood, MO Home Replacement Value LESS than Home Value
Replacement Value $519,000 $389,500
Insurance Premium based on Replacement Value $2,600 $1,950
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $58,000 Risk Exposure from Under Insuring Coverage is $71,500
Premium Impact Insurance cheaper by $375/year Insurance costlier by $275/year

Example Kirkwood Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company American Family InsuranceState FarmLiberty Mutual
Monthly Premium 67101203
Year Built 196219501944
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths5 Beds, 4 Baths
Coverage Amount $250000-$300000$300000-$350000$400000-$500000
Deductible $5000 to $10,000 Deductible$5000 to $10,000 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1970 205,000 Shingles Roof 1,550 3 $1000-$2500 Deductible 260 3 Fiber-Cement Siding No
1973 160,000 Slate Shingles Roof 1,460 3 $1000-$2500 Deductible 390 6 Vinyl siding No
1963 310,000 Wood Shake Roof 2,520 4 $500 Deductible 1430 9 Wood siding No
1940 235,000 Tile Roof 1,770 5 > $10,000 Deductible 360 10 Vinyl siding yes
1960 180,000 Tile Roof 1,220 3 $2500-$5000 Deductible 70 1 Fiber-Cement Siding No
1980 315,000 Asphalt Shingles Roof 2,140 4 $2500-$5000 Deductible 90 1 Stone Siding yes
1972 200,000 Shingles Roof 1,690 3 $500- $1000 Deductible 170 3 Wood siding No
1973 180,000 Asphalt Shingles Roof 1,660 4 $5000 to $10,000 Deductible 640 12 Stucco siding yes
1957 235,000 Wood Shake Roof 1,620 4 $500- $1000 Deductible 90 1 Brick siding No
1988 270,000 Wood Shake Roof 2,280 3 $500 Deductible 1050 10 Wood siding No
1945 420,000 Composition Roof 3,150 5 $1000-$2500 Deductible 850 7 Brick siding No
1949 445,000 Composition Roof 3,330 5 $500 Deductible 1310 5 Fiber-Cement Siding No
1972 275,000 Tile Roof 2,620 4 $500- $1000 Deductible 690 6 Stone Siding No
1970 495,000 Wood Shake Roof 4,780 5 $2500-$5000 Deductible 1180 8 Brick siding yes
1976 375,000 Composition Roof 2,900 4 $5000 to $10,000 Deductible 900 8 Fiber-Cement Siding No
1976 240,000 Tile Roof 1,690 3 $5000 to $10,000 Deductible 170 2 Brick siding yes
1951 240,000 Slate Shingles Roof 1,990 4 $500 Deductible 640 8 Fiber-Cement Siding yes
1964 205,000 Slate Shingles Roof 1,630 3 > $10,000 Deductible 340 6 Brick siding yes
1983 250,000 Membrane Roof 2,150 4 $2500-$5000 Deductible 70 1 Wood siding yes
1974 200,000 Asphalt Shingles Roof 1,940 4 $500- $1000 Deductible 450 5 Wood siding No
1987 340,000 Asphalt Shingles Roof 2,400 3 $1000-$2500 Deductible 1130 7 Wood siding yes
1958 260,000 Membrane Roof 1,900 3 $1000-$2500 Deductible 100 1 Wood siding yes
1962 315,000 Slate Shingles Roof 2,950 5 $500- $1000 Deductible 520 4 Wood siding No
1978 220,000 Slate Shingles Roof 1,660 4 $5000 to $10,000 Deductible 600 10 Stone Siding yes
1980 155,000 Composition Roof 1,480 3 $500- $1000 Deductible 470 8 Vinyl siding yes
1950 315,000 Metal Roof 2,310 3 $500- $1000 Deductible 710 6 Brick siding No