Lake St. Louis Insurance Rates:

Lake St. Louis, MO homeowners insurance is approximately $879 to $1,196, about $73-$99/month. Our detailed research reveals consumers can save upto $414 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
The state farm insurance company has cheapest price than other insurance company, when your first buying,it is a great deal for you.
Nationwide
This insurance does not cover freezing or plumbing. i have ironically had issues with both of these things and my insurance did not cover it.
Shelter
I would like their website to be more accessible to my policy when i need information on what exactly it covers when i have questions.
Shelter
Using their website is very easy and finding the information I need goes off without any problems at all so the convenience of using it is very nice and helpful to me. I feel like it's one of the easiest company websites out there today.
Farmer's Insurance
We have used them for years and they are located right down the street
Aaa
They have excellent customer service. They are well known for being extremely dependable. I have peace of mind knowing they are my Insurance Company.
State Farm
I like that they bundle everything together I do not like their high auto insurance rates.
Progressive
I would recommend progressive due to their excellent customer service and support. They make it easy to take care of issues.

Lake St. Louis, MO Homeowners Insurance By Home Value

Lake St. Louis, MO Home Value Total Homes % of Total Average Lake St. Louis, MO Homeowners Insurance
Less than $50,000 345 4.0% $114
$90,000 to $99,999 139 1.0% $456
$100,000 to $124,999 291 4.0% $528
$125,000 to $149,999 785 10.0% $663
$150,000 to $174,999 829 11.0% $788
$175,000 to $199,999 1,075 15.0% $912
$200,000 to $249,999 1,670 23.0% $1099
$250,000 to $299,999 982 13.0% $1337
$300,000 to $399,999 918 12.0% $1700

Top Home Insurance Agents Near Lake St. Louis, MO

Home Insurance Company Near Lake St. Louis, MO Homeowners Insurance Agency Near Lake St. Louis, MO Address
Travelers Bret Dixon Insurance Agency 403 S PRAIRIE, BETHALTO, IL, 62010
Allstate German Insurance 201 N County Road, Hardin, IL, 62047
Travelers Insurance Consultants Inc 12722 WEBER HILL ROAD, ST. LOUIS, MO, 63127
Travelers Scott Agency Inc 408 N STURGEON ST, MONTGOMERY CITY, MO, 63361
Travelers The Insurance Center 2187 Pardoroyal Saint Louis, Des Peres, MO, 63131

Cost Of Homeowners Insurance By Street Near Lake St. Louis, MO

Streets in Lake St. Louis Area Homeowners Insurance Cost
Savoy Dr, Corporate Pkwy, Wagon Wheel Trl, Henke Rd, Summerstone Dr, Bowwater Ct, S Meadow Dr, Dardenne Landing Ct, Gourdon Ct, Broadsword Ln$1,029
Tinsmith Pl, Summer Lynne Dr, Autumn Hill Dr, Sunny Trail Dr, Hwy K, Arrowwood Ct, Prynnwood Ln, Kingsway Dr, Hickory Meadows Ct, Salsibury Ct$992
Green Tree Meadows Dr, Marine Ter, Boars Head Ct, Fairway Oaks Ct, Kingsgate Dr, Bent Oak Dr, Annabrook Park Dr, Shady Bridge Ct, Breezy Knoll Ln, Bayhill Village Dr$1,093
Braeswick Dr, Pund Rd, Old Glory Ct, Stone Creek Valley Cir, Cool Meadows Ct, Ellerman Rd, Tinsmith Ct, Normandy Dr, Lake Knoll Dr, Fabius Dr$1,035
Timber Meadows Pkwy, Hampshire Heath Ct, Eddleston Ct, Murphy Ln, Big Piney Ct, Smith Ave, Sunny Terrace Dr, Camellia Dr, Hawthorn Meadows Ct, Phillips Pl$1,039

Lake St. Louis, MO Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Lake St. Louis$154 to $156
O'Fallon$154
Dardenne Prairie$161
Josephville$156

Lake St. Louis, 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
O'Fallon city, Missouri $154 $205 $308
Dardenne Prairie city, Missouri $161 $215 $323
Josephville village, Missouri $156 $208 $312

Lake St. Louis, 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
Lake St. Louis, MO5.3%17.1%
O'Fallon5.37%17.45%
Dardenne Prairie4.7%15.66%
Josephville5.88%22.42%

Lake St. Louis Renters Insurance as a Percentage of Rent

Lake St. Louis Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 96 4.0% $1218
$500 to $749 465 19.0% $1893
$750 to $999 949 40.0% $2643
$1,000 to $1,499 699 29.0% $3768
$1,500 or more 140 5.0% $5418

Lake St. Louis, MO Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,200$2,200
Yearly Lake St. Louis Homeowner Insurance Premium Example $1,300$800
Out of Pocket Expense During Claim$1,200$2,200
Total Home Insurance Premium for 3 years + Out of Pocket Expense for Claim $5,100$4,600
Net Savings to Lake St. Louis Home Owner from High Deductible Plan $500

Lake St. Louis, MO Home Insurance Costs With Home Replacement Value Scenarios

Scenario Lake St. Louis, MO Home Replacement Value MORE than Home Value Lake St. Louis, MO Home Replacement Value LESS than Home Value
Replacement Value $305,500 $191,500
Insurance Premium based on Replacement Value $1,500 $950
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $51,000 Risk Exposure from Under Insuring Coverage is $63,000
Premium Impact Insurance cheaper by $300/year Insurance costlier by $250/year

Example Lake St. Louis Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmLiberty MutualTravelers
Monthly Premium 62159106
Year Built 201420071988
Home Details 3 Beds, 2 Baths4 Beds, 2 Baths5 Beds, 2 Baths
Coverage Amount $200000-$250000$350000-$400000$350000-$400000
Deductible $1000-$2500 Deductible$500- $1000 Deductible$5000 to $10,000 Deductible

Sample Home Insurance Rates for Lake St. Louis, MO from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2012 140,000 Composition Roof 1,320 3 $500 Deductible 210 4 Brick siding yes
1995 390,000 Metal Roof 2,800 4 > $10,000 Deductible 940 12 Vinyl siding yes
2012 480,000 Slate Shingles Roof 3,920 5 $5000 to $10,000 Deductible 1040 9 Fiber-Cement Siding yes
1995 225,000 Tile Roof 1,770 3 > $10,000 Deductible 430 10 Brick siding yes
2001 205,000 Asphalt Shingles Roof 2,140 4 $500- $1000 Deductible 160 2 Brick siding No
2004 165,000 Tile Roof 1,420 3 $500 Deductible 480 7 Fiber-Cement Siding yes
2009 375,000 Asphalt Shingles Roof 2,920 4 $2500-$5000 Deductible 900 10 Brick siding yes
2013 250,000 Metal Roof 1,980 4 > $10,000 Deductible 210 3 Vinyl siding yes
2010 515,000 Composition Roof 4,010 5 $2500-$5000 Deductible 1180 10 Vinyl siding yes
1982 195,000 Metal Roof 1,840 3 $500- $1000 Deductible 70 1 Brick siding No
2014 350,000 Wood Shake Roof 3,090 4 $500 Deductible 1720 9 Stucco siding No
1997 170,000 Slate Shingles Roof 1,650 3 $2500-$5000 Deductible 240 5 Stone Siding No
2014 180,000 Tile Roof 1,290 3 $500- $1000 Deductible 480 7 Vinyl siding yes
2005 495,000 Shingles Roof 3,950 5 > $10,000 Deductible 1060 8 Wood siding No
1983 185,000 Slate Shingles Roof 1,680 3 $5000 to $10,000 Deductible 360 7 Vinyl siding yes
2004 455,000 Tile Roof 4,550 5 $500- $1000 Deductible 1320 8 Stucco siding yes
2009 235,000 Wood Shake Roof 2,030 3 $1000-$2500 Deductible 490 5 Fiber-Cement Siding yes
1981 165,000 Tile Roof 1,640 4 $1000-$2500 Deductible 170 3 Stone Siding No
2001 280,000 Shingles Roof 2,030 4 $5000 to $10,000 Deductible 410 9 Brick siding yes
1984 240,000 Asphalt Shingles Roof 2,270 5 $500 Deductible 610 5 Vinyl siding yes
1982 230,000 Slate Shingles Roof 2,050 3 $500- $1000 Deductible 280 3 Stucco siding No
1991 390,000 Asphalt Shingles Roof 3,290 5 $2500-$5000 Deductible 120 1 Vinyl siding yes
2005 200,000 Wood Shake Roof 2,120 5 $500 Deductible 770 9 Vinyl siding yes
2002 470,000 Composition Roof 4,140 5 $1000-$2500 Deductible 720 5 Stone Siding yes
1995 270,000 Membrane Roof 2,310 3 $500- $1000 Deductible 1410 10 Stone Siding yes
1982 540,000 Metal Roof 4,430 5 $500 Deductible 1670 7 Stucco siding yes
2009 185,000 Asphalt Shingles Roof 1,510 5 $500- $1000 Deductible 460 8 Brick siding No
2007 230,000 Wood Shake Roof 2,270 4 $500- $1000 Deductible 1010 12 Stone Siding yes
2005 315,000 Membrane Roof 3,140 5 $1000-$2500 Deductible 90 1 Vinyl siding yes
2006 305,000 Composition Roof 2,380 4 $2500-$5000 Deductible 910 10 Vinyl siding yes
2000 370,000 Asphalt Shingles Roof 2,810 4 $2500-$5000 Deductible 240 2 Stucco siding No
2014 260,000 Membrane Roof 2,260 3 > $10,000 Deductible 100 2 Stone Siding yes
2010 220,000 Shingles Roof 1,780 4 $500- $1000 Deductible 1010 12 Vinyl siding No
2010 325,000 Composition Roof 3,300 5 $500 Deductible 900 6 Wood siding No