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.

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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

PlaceSavings For Senior Occupied Homes
Oakville$154 to $157
Tesson Ferry$156

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

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Oakville, MO5.6%18.2%
Tesson Ferry5.49%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 DeductibleHigh Deductible
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 InsuranceLiberty MutualState Farm
Monthly Premium 7986209
Year Built 201220071988
Home Details 3 Beds, 2 Baths4 Beds, 2 Baths5 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

We have not had to file a claim, but so far we have no complaints and would recommend this company to others.
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.
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.
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!
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.
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.
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.
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.

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