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.

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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

Aaa
We have not had to file a claim, but so far we have no complaints and would recommend this company to others.
Metlife
I 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.
Progressive
I 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 Farm
I would definitely recommend this company. They have been great to work with. I would share my story with others.
State Farm
I'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 Farm
State 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 Farm
I 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.
Shelter
They will contact you to make sure your home status has not changed as the year has passed by and your needs change.
State Farm
I 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!
Shelter
They are personable and the agent always remembers my name and something specific about me. He is always friendly.
State Farm
I like our insurance company because they are great with communication and are very helpful to us anytime we need to speak with them.
Allstate
The 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.
Allstate
They 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.
Shelter
i 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.