Oakville, MO Home Insurance - Analysis On Quotes, Rates & Agents
Oakville Insurance Rates:
Oakville, MO homeowners insurance is roughly $873 to $1,188, about $72-$99/month. Our exhaustive guide shows customers can save upto $412 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Find Affordable Home Insurance in Oakville, MO
The average cost of homeowners insurance in Oakville, MO, is $1234. As a homeowner in Oakville, MO, it's important to have homeowners insurance to protect your home and belongings. Homeowners insurance is a type of property insurance that covers your home and contents in the event of damage or theft. It can also provide coverage for liability in the event someone is injured on your property. There are many different types of homeowners insurance policies available, so shopping around and finding one that meets your needs is essential. Make sure to read the policy carefully, so you know what is and isn't covered. You must first choose the appropriate policy when looking for home insurance in Oakville, Missouri. You can follow these guidelines to find the best protection in Oakville, Missouri, at the lowest cost.
Multi-Policy Insurance
Most insurance companies will give you a discount if you have more than one policy with them. This is called a multi-policy discount, and it can save you a significant amount of money on your homeowners insurance in Oakville, MO. It also allows you to bundle your home and auto insurance policies together for a discounted rate. Homeowners in Oakville, MO, can get insurance for $1048 after bundling.
Safety Features
In Oakville, MO, the cost of homeowners insurance can vary depending on the level of protection that the home has. For example, a home with a security system will likely cost less to insure than a home without one. Likewise, a home with a fire alarm is likely to cost less to insure than a home without one. The bottom line is that a home's safety features are a major factor in determining the cost of homeowners insurance. For instance, homeowners in Oakville, Missouri, who have sprinkler systems and smoke detectors pay $1223 and $1135 in premiums, respectively.
Claims History
As a general rule of thumb, the home's claims history determines the cost of homeowners insurance in Oakville, MO. The more claims that have been made on the home, the higher the insurance policy cost will be. This is because the insurance company will view the home as being a greater risk to insure. Therefore, if you want the most affordable homeowners insurance in Oakville, MO, it is important to check the home's claims history before you purchase the policy. For instance, homeowners in Oakville, Missouri, who have never filed a claim must pay a premium of $1061, compared to $1333 and $1407 for those who have filed one or two claims.
Oakville, MO Homeowners Insurance By Home Value
| Oakville, MO Home Value | Total Homes | % of Total | Average Oakville, MO Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 276 | 2.0% | $123 |
| $100,000 to $124,999 | 570 | 4.0% | $556 |
| $125,000 to $149,999 | 736 | 6.0% | $690 |
| $150,000 to $174,999 | 1,749 | 15.0% | $814 |
| $175,000 to $199,999 | 2,252 | 19.0% | $948 |
| $200,000 to $249,999 | 2,873 | 24.0% | $1134 |
| $250,000 to $299,999 | 1,486 | 12.0% | $1391 |
| $300,000 to $399,999 | 1,247 | 10.0% | $1773 |
Top Home Insurance Agents Near Oakville, MO
| 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 |
Oakville, MO Home Insurance Agents for Top Companies
Cost Of Homeowners Insurance By Street Near Oakville, MO
| Streets in Oakville Area | Homeowners Insurance Cost |
|---|---|
| Brenna Ct, Bonsai Ct, Johnson Crossing Dr, Magoffin Trails Dr, Dober Ln, Charglow Dr, Falcon Ridge Ct, Fairington View Dr, John Ave, Owendale Ct | $1,022 |
| Golden Valley Dr, Beefwood Ct, Broken Oak Dr, Foxfire Dr, Woodhill Dr, Starlit Dr, Belle Terre Ct, Orangewood Trl, Parc Cheri Ct, Newton Terrace Dr | $1,051 |
| Kym Dr, Marseille Dr, Hickory Hill Dr, Double Eagle Ln, Peachwood Trl, Pottle Ave, Conleth Dr, Piney Pointe Dr, Tall Oak Ct, Golden Valley Dr | $995 |
| Hunters Valley Ct, Chatfield Dr, Chalkstone Rd, Becker Rd, Oakwood Ln, Pinedale Ct, Koch Rd, Forder Rd, Saddle Back Dr, E Pottle Ave | $1,021 |
| Tarragona Dr, Arbor Green Pt, E Pottle Ave, Oakvilla Manor Ct, Talwood Ct, Woodglow Dr, Oakville Woods Pl, Melbourne Dr, Burncoate Dr, Singingwood Ln | $999 |
Oakville, MO Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Oakville | $154 to $157 |
| Arnold | $149 |
| Tesson Ferry | $156 |
| Lemay | $146 |
Oakville, 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 |
|---|---|---|---|
| Arnold city, Missouri | $124 | $165 | $248 |
| Mehlville CDP, Missouri | $125 | $166 | $249 |
| Tesson Ferry township, St. Louis County, Missouri | $130 | $173 | $260 |
Oakville, 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 |
|---|---|---|
| Oakville, MO | 5.6% | 18.2% |
| Arnold | 6.2% | 22.95% |
| Mehlville | 6.37% | 19.39% |
| Tesson Ferry | 5.49% | 17.3% |
Oakville Renters Insurance as a Percentage of Rent
| Oakville Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $300 to $499 | 30 | 1.0% | $1220 |
| $500 to $749 | 601 | 33.0% | $1895 |
| $750 to $999 | 746 | 41.0% | $2645 |
| $1,000 to $1,499 | 240 | 13.0% | $3770 |
| $1,500 or more | 163 | 9.0% | $5420 |
Oakville, MO Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $800 | $2,800 |
| Yearly Oakville Homeowner Insurance Premium Example | $1,300 | $900 |
| Out of Pocket Expense During Claim | $800 | $2,800 |
| Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim | $9,900 | $9,100 |
| Net Savings to Oakville Home Owner from High Deductible Plan | $800 | |
Oakville, MO Home Insurance Costs With Home Replacement Value Scenarios
| Scenario | Oakville, MO Home Replacement Value MORE than Home Value | Oakville, MO Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $199,000 | $137,500 |
| Insurance Premium based on Replacement Value | $1,025 | $725 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $19,000 | Risk Exposure from Under Insuring Coverage is $42,500 |
| Premium Impact | Insurance cheaper by $200/year | Insurance costlier by $100/year |
Example Oakville Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| Insurance Company | Chubb Group of Insurance | Liberty Mutual | State Farm |
| Monthly Premium | 79 | 86 | 209 |
| Year Built | 2012 | 2007 | 1988 |
| Home Details | 3 Beds, 2 Baths | 4 Beds, 2 Baths | 5 Beds, 3 Baths |
| Coverage Amount | $200000-$250000 | $350000-$400000 | $600000-$700000 |
| Deductible | $500- $1000 Deductible | > $10,000 Deductible | $2500-$5000 Deductible |
Sample Home Insurance Rates for Oakville, 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 | 345,000 | Shingles Roof | 2,580 | 4 | $500 Deductible | 1320 | 10 | Stone Siding | No |
| 1975 | 300,000 | Wood Shake Roof | 2,670 | 5 | $5000 to $10,000 Deductible | 770 | 8 | Wood siding | yes |
| 2011 | 380,000 | Wood Shake Roof | 3,650 | 5 | > $10,000 Deductible | 480 | 7 | Stone Siding | No |
| 2012 | 165,000 | Wood Shake Roof | 1,540 | 3 | $500- $1000 Deductible | 40 | 1 | Wood siding | yes |
| 1996 | 150,000 | Wood Shake Roof | 1,260 | 3 | $2500-$5000 Deductible | 380 | 8 | Stone Siding | No |
| 1993 | 280,000 | Tile Roof | 2,060 | 3 | $2500-$5000 Deductible | 100 | 1 | Fiber-Cement Siding | No |
| 1972 | 380,000 | Membrane Roof | 2,780 | 5 | $5000 to $10,000 Deductible | 320 | 3 | Vinyl siding | yes |
| 2010 | 215,000 | Asphalt Shingles Roof | 1,870 | 5 | $2500-$5000 Deductible | 140 | 2 | Vinyl siding | yes |
| 1987 | 210,000 | Metal Roof | 2,020 | 5 | $1000-$2500 Deductible | 740 | 10 | Wood siding | yes |
| 2003 | 180,000 | Slate Shingles Roof | 1,490 | 3 | $2500-$5000 Deductible | 350 | 7 | Wood siding | No |
| 1976 | 265,000 | Tile Roof | 2,090 | 4 | $500 Deductible | 1010 | 9 | Stone Siding | No |
| 1974 | 135,000 | Tile Roof | 1,460 | 3 | $2500-$5000 Deductible | 500 | 10 | Vinyl siding | No |
| 2011 | 525,000 | Metal Roof | 3,950 | 5 | $2500-$5000 Deductible | 2120 | 12 | Vinyl siding | No |
| 2013 | 215,000 | Wood Shake Roof | 2,210 | 4 | $500 Deductible | 630 | 7 | Brick siding | yes |
| 1986 | 405,000 | Slate Shingles Roof | 3,150 | 5 | $5000 to $10,000 Deductible | 110 | 1 | Brick siding | No |
| 1984 | 215,000 | Shingles Roof | 2,090 | 4 | $2500-$5000 Deductible | 360 | 5 | Fiber-Cement Siding | yes |
| 1990 | 350,000 | Membrane Roof | 2,590 | 5 | $1000-$2500 Deductible | 920 | 6 | Wood siding | No |
| 1987 | 530,000 | Slate Shingles Roof | 4,940 | 5 | $500 Deductible | 1670 | 7 | Stucco siding | yes |
| 1973 | 245,000 | Shingles Roof | 2,020 | 4 | $500 Deductible | 210 | 2 | Vinyl siding | yes |
| 1984 | 355,000 | Asphalt Shingles Roof | 2,990 | 4 | > $10,000 Deductible | 320 | 5 | Vinyl siding | yes |
| 2014 | 165,000 | Tile Roof | 1,570 | 5 | $500 Deductible | 120 | 2 | Fiber-Cement Siding | yes |
| 2001 | 165,000 | Tile Roof | 1,520 | 3 | $500 Deductible | 700 | 12 | Fiber-Cement Siding | yes |
| 1995 | 450,000 | Metal Roof | 4,910 | 5 | $2500-$5000 Deductible | 1040 | 9 | Stone Siding | No |
| 2007 | 300,000 | Wood Shake Roof | 2,580 | 5 | $2500-$5000 Deductible | 620 | 7 | Vinyl siding | yes |
| 1994 | 635,000 | Composition Roof | 4,820 | 5 | $500- $1000 Deductible | 1200 | 5 | Fiber-Cement Siding | No |
| 1979 | 230,000 | Wood Shake Roof | 1,950 | 5 | $500- $1000 Deductible | 630 | 7 | Stone Siding | yes |
| 1990 | 200,000 | Metal Roof | 1,460 | 3 | $5000 to $10,000 Deductible | 700 | 10 | Fiber-Cement Siding | yes |
| 1978 | 440,000 | Shingles Roof | 3,220 | 4 | $2500-$5000 Deductible | 710 | 5 | Vinyl siding | No |
| 2004 | 265,000 | Wood Shake Roof | 2,220 | 3 | > $10,000 Deductible | 370 | 6 | Stucco siding | No |
| 2012 | 215,000 | Wood Shake Roof | 1,890 | 3 | $5000 to $10,000 Deductible | 290 | 6 | Stucco siding | yes |
| 1979 | 520,000 | Shingles Roof | 4,760 | 5 | $500- $1000 Deductible | 960 | 5 | Stucco siding | No |
| 2012 | 295,000 | Metal Roof | 2,460 | 4 | $2500-$5000 Deductible | 90 | 1 | Vinyl siding | yes |
| 2000 | 215,000 | Metal Roof | 1,690 | 4 | > $10,000 Deductible | 40 | 1 | Stucco siding | yes |
| 2002 | 320,000 | Slate Shingles Roof | 2,710 | 5 | $500 Deductible | 1200 | 7 | Fiber-Cement Siding | No |
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.