Oakville, MO Home Insurance - Analysis On Quotes, Rates & Agents
Oakville, MO Insurance Rates:
The average cost of home insurance in Oakville, MO is $1234 while the average cost of insurance in the state is $1,084 Home insurance is lower/higher than the average home insurance rates in the state. vHome Insurance stresses the importance of comparing home insurance quotes provided by different insurers. Enter your Zip Code in the banner below to get instant home insurance quotes.
Oakville, MO homeowners will find various factors that will have an impact on your home insurance premium. Understanding these factors could help homeowners drastically lower their home insurance premiums. A careful comparison between different quotes and values to suit the homeowner’s needs can be done with the data below.
- Top Home Insurance Companies in Oakville, MO
- Oakville, MO Homeowners Insurance for Different Coverages
- Visual Guide for Oakville, MO Home Insurance Buyers on Insurance Companies and Rates
- Oakville, MO Homeowners Insurance Rate Based on Claims Filed
- Oakville, MO Home Insurance Premium Based on the Number of Bedrooms
- Oakville, MO Home Insurance Premiums for Different Deductibles
- Oakville, MO Homeowners Insurance Premium Based on the Age of the Home
- Oakville, MO Homeowners Insurance Cost Based on Construction Type of Home
- Saving Tips on Oakville, MO Homeowners Insurance
- Oakville, MO Home Insurance Discounts for Home Safety Devices in Home
- Customer Reviews for Home Insurance Companies in Oakville, MO
Average Home Insurance Premium in Oakville, MO
| National Average Premium | State Average Premium | Oakville Average Premium |
|---|---|---|
| $1,438 | $1,084 | $1,234 |
Top Home Insurance Companies in Oakville, MO | Back to Top
The following is a list of home insurance companies that provide the best home insurance quotes in Oakville, MO.
| Company Name | Coverage $70,000 | Coverage $150,000 | Coverage $200,000 | Coverage $350,000 |
|---|---|---|---|---|
| Safeco | $1,139 | $1,366 | $1,776 | $2,451 |
| Aaa | $1,870 | $2,244 | $2,917 | $4,026 |
| Amco | $2,058 | $2,470 | $3,210 | $4,430 |
| Shelter | $2,169 | $2,603 | $3,384 | $4,670 |
Oakville, MO Homeowners Insurance for Different Coverages | Back to Top
| Coverage Type | Home Insurance Cost($) |
|---|---|
| $100,000 To $124,999 | 614.31 |
| $150,000 To $174,999 | 918.08 |
| $175,000 To $199,999 | 1,016.49 |
| $200,000 To $249,999 | 1,199.36 |
| $250,000 To $299,999 | 1,772.54 |
| $300,000 To $399,999 | 2,461.97 |
| $400,000 To $499,999 | 2,884.06 |
| $500,000 To $749,999 | 3,691.6 |
| $750,000 To $999,999 | 4,268.41 |
| $1000,000 To $1499,999 | 4,701.02 |
| $1500,000 To $2000,000 | 5,047.1 |
Visual Guide for Oakville, MO Home Insurance Buyers on Insurance Companies and Rates
Top Home Insurance Agents Near Oakville, MO | Back to Top
| Home Insurance Company Near Oakville, MO | Homeowners Insurance Agency Near Oakville, MO | Address |
|---|---|---|
| State Farm | Anthony Luster | 11706 W Florissant Ave, Florissant, MO, 63033-6743 |
| Farmers | David D Brown | 17014 New College Ave Ste 204a, Wildwood, MO, 63040 |
| Allstate | Fls Insurance Agency | 103 McCrosky Professional Park, Columbia, IL, 62236 |
| Travelers | Insurance Consultants Inc | 1236 RICHLAND MEADOWS DR, BALLWIN, MO, 63021 |
| Liberty Mutual Independent | Kreismann Bayer Insurance Agency, Inc. | 652 N New Ballas Rd St Louis, Creve Coeur, MO, 63141 |
List of Oakville, MO Home Insurance Agents by Companies
Oakville, MO Homeowners Insurance Rates Based on Claims Filed | Back to Top
Homeowners in Oakville, MO who have no previous history of filing for claims are eligible for a discount of $160.42. Homeowners in Oakville, MO who have filed one claim previously have to pay an additional home insurance rate of $74, while homeowners who have filed 2 claims previously have to pay $173 on their home insurance premium.
| Type of Claim | Homeowners Insurance Cost Increase/Decrease($) | Homeowners Insurance Cost($) |
|---|---|---|
| No Claim Discount | -160 | 1,074 |
| One Claim | +74 | 1,308 |
| Two Claim | +173 | 1,407 |
Factors Affecting Home Insurance Premiums in Oakville, MO
Homeowners staying in Oakville, MO have to pay an average of $1234 as the home insurance cost. There are several factors that affect home insurance premiums in Oakville, MO. vHome Insurance lists the factors that could help homeowners lower their homeowners insurance premiums.
Oakville, MO Home Insurance Premium Based on the Number of Bedrooms | Back to Top
| Bedroom Size | Average Homeowners Insurance Cost($) |
|---|---|
| 2 Bedroom | 551 |
| 3 Bedroom | 1,033 |
| 4 Bedroom | 1,583 |
| 5 Bedroom | 3,098 |
Oakville, MO Home Insurance Premiums for Different Deductibles | Back to Top
Oakville, MO homeowners who pay a low deductible rate of $500 pay a higher rate for their home insurance, while Oakville, MO homeowners who pay a deductible rate as high as $2500 pay a lower rate as part of their home insurance, as seen in the table below.
| Deductible Type | Average Homeowners Insurance Cost($) |
|---|---|
| $500 Deductible | 1,219 |
| $1000 Deductible | 1,103 |
| $1500 Deductible | 1,038 |
| $2000 Deductible | 943 |
| $2500 Deductible | 886 |
Oakville, MO Homeowners Insurance Premium Based on the Age of the Home | Back to Top
Homeowners in Oakville, MO pay a much lower home insurance rate if their homes are newly constructed. Homeowners with homes that are older than 50 years pay a much higher rate on their home insurance premium as seen in the table below.
| Home Age | Homeowners Insurance Cost($) |
|---|---|
| Newly Constructed Home | 950 |
| Year 30 Old | 1,253 |
| Year 40 Old | 1,266 |
| Year 50 Old | 1,281 |
| Above Year 50 | 1,293 |
Oakville, MO Homeowners Insurance Cost Based on the Construction Type of the Home | Back to Top
| Construction Type | Home Insurance Cost Savings($) | Home Insurance Cost($) |
|---|---|---|
| Fire Resistive | 173 | 1,061 |
| Masonry | 62 | 1,172 |
| Brick | 62 | 1,172 |
| Superior | 111 | 1,123 |
| Hail Resistant Roof | 37 | 1,197 |
Top Saving Tips on Oakville, MO Homeowners Insurance | Back to Top
Depending upon the construction type and the construction materials of the home, Oakville, MO homeowners receive a considerable amount of discounts. Oakville, MO homeowners can also make use of bundling discounts to lower home insurance premiums. Furthermore, senior citizens residing in Oakville, MO receive additional discounts on their homeowners insurance. Homes installed with security devices are considered a safe bet for home insurers. As a result, home insurance companies tend to offer discounts to Oakville, MO homes with enhanced security features.
The tables below contain the complete list of discounts that Oakville, MO homeowners can take advantage of to increase their savings.
Oakville, MO Auto & Homeowners Insurance Bundling Discounts and Senior Citizen Discounts
| Discount Type | Home Insurance Cost Savings($) | Home Insurance Cost($) |
|---|---|---|
| Bundle Discount | 173 | 1,061 |
| Retiree Discount (Senior Citizen Discount) | 173 | 1,407 |
| Newly Constructed Home | 284 | 950 |
Oakville, MO Home Insurance Discounts for Home Safety Devices | Back to Top
| Home Safety Devices | Home Insurance Cost Savings($) | Home Insurance Cost($) |
|---|---|---|
| Deadbolts | 111 | 1,123 |
| Fire Extinguishers | 86 | 1,148 |
| Smoke Detectors | 160 | 1,074 |
| Sprinkler System | 136 | 1,098 |
| Fire Alarm | 62 | 1,172 |
| Burglar Alarm | 111 | 1,123 |
| Lightning Protection | 49 | 1,185 |
Latest Home Insurance Reviews
AaaWe have not had to file a claim, but so far we have no complaints and would recommend this company to others.
MetlifeI am satisfied that this company offers a $500 deductible plan, and that the premium rates are affordable. I also enjoy the multi policy discount by having my auto insurance through them as well.
ProgressiveI have been totally happy with our home insurance experience. Customer service has been great. Any time we need to make a change or update something with the policy, we can do it either online or with a quick phone call.
State FarmI would definitely recommend this company. They have been great to work with. I would share my story with others.
State FarmI'm happy with the coverage that I have and the price that I pay for it. The riders for our specific items are not onerously priced, and they can cover just about anything that I need.
State FarmState farm offers a great bundle insurance policy for car and homeowners. we save money on our car insurance by also having our homeowners insurance with them.
State FarmI have never made a claim to my insurance policy and am hesitate to do so because of fear or raising the cost to maintain the policy or being dropped completely. i do not want the premiums to go up.
ShelterThey will contact you to make sure your home status has not changed as the year has passed by and your needs change.
State FarmI don't use the app or the website, I go to the local agent. I like going through real people as if I have questioned it is easy to get them answered and the personal touch is appreciated!
ShelterThey are personable and the agent always remembers my name and something specific about me. He is always friendly.
State FarmI like our insurance company because they are great with communication and are very helpful to us anytime we need to speak with them.
AllstateThe interaction/communication of my insurance company is quick and accurate. They send out notices in the mail to update me on my policy, I never wonder what is going on. If there is an increase they let me know by phone and mail.
AllstateThey seem to be fine. I have not had a claim so there is not much to judge them on. I sometimes wonder if the rates are as good as they should be.
Shelteri have always had a good experience with my insurance company,they have always made sure any problem i have is covered.there price compared to otheres is affordable.