Richmond Heights Insurance Rates:

Richmond Heights, MO homeowners insurance is nearly $896 to $1,236, about $74-$103/month. Our extensive research shows customers can save upto $426 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Richmond Heights, MO Homeowners Insurance By Home Value

Richmond Heights, MO Home Value Total Homes % of Total Average Richmond Heights, MO Homeowners Insurance
Less than $50,000 41 2.0% $95
$70,000 to $79,999 41 2.0% $309
$80,000 to $89,999 19 1.0% $351
$90,000 to $99,999 21 1.0% $394
$100,000 to $124,999 45 2.0% $458
$125,000 to $149,999 207 11.0% $575
$150,000 to $174,999 199 10.0% $682
$175,000 to $199,999 175 9.0% $788
$200,000 to $249,999 392 21.0% $948
$250,000 to $299,999 366 20.0% $1161
$300,000 to $399,999 305 16.0% $1471

Top Home Insurance Agents Near Richmond Heights, MO

Home Insurance Company Near Richmond Heights, MO Homeowners Insurance Agency Near Richmond Heights, MO Address
NA Midwest Physicians Insurance Advisors 100 Business Pkwy, Chesterfield, MO, 63005
Travelers Charles L Crane Agency Co 400 CHESTERFIELD DR STE 320, CHESTERFIELD, MO, 63017
State Farm Mike Klaus 402 South 2nd St, De Soto, MO, 63020-2007
State Farm Steve Martinez 104 Holloway Rd, Ballwin, MO, 63011-3215
State Farm Tom Lane 116 W Bethalto Blvd, Bethalto, IL, 62010-1703

Cost Of Homeowners Insurance By Street Near Richmond Heights, MO

Streets in Richmond Heights Area Homeowners Insurance Cost
Moorlands Dr, Genevieve Ave, S Warson Rd, W Ranken Ave, Hillside Dr, Patton Ave, Center Dr, Vanmark Way, Hill Ave, Spanish Dr$1,038
Laverne Ct, Annalee Ave, E Swan Cir, Keystone Dr, Kurt Ave, Avon Rd, Commodore Dr, Rose Ave, McKnight Woods, Douglas Ct$1,004
Sedgwick Place Rd, Council Pl, Claytonia Ter, Hiawatha Ave, Hilton Ave, Barger Pl, Blue Jay Cove, Laverne Pl, Boneta Ave, Parkside Dr$1,041
Stratford Ln, Hoover Ave, Lay Rd, Antler Dr, Bremerton Rd, Fawn Ave, McCready Ave, Canary Cove, Banneker Ave, de Mun Ave$1,333
Lindbergh Dr, Alameda Ave, White Ave, Lake Forest Dr W, Beulah Pl, Saint Albans Ave, Swallow Dr, Ethel Ave, Alabama Ave, Boland Pl$1,041

Richmond Heights, MO Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Richmond Heights$158 to $161
Hadley$159
Brentwood$152
Maplewood$148

Richmond Heights, 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
Hadley township, St. Louis County, Missouri $133 $177 $265
Brentwood city, Missouri $127 $169 $253
Maplewood city, Missouri $124 $165 $247

Richmond Heights, 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
Richmond Heights, MO4.9%14.8%
Hadley4.92%12.8%
Brentwood5.99%20.07%
Maplewood6.5%18.19%

Richmond Heights Renters Insurance as a Percentage of Rent

Richmond Heights Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 25 1.0% $305
$300 to $499 45 2.0% $1205
$500 to $749 549 32.0% $1880
$750 to $999 554 33.0% $2630
$1,000 to $1,499 426 25.0% $3755
$1,500 or more 78 4.0% $5405

Richmond Heights, MO Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$700$1,700
Yearly Richmond Heights Homeowner Insurance Premium Example $2,200$1,700
Out of Pocket Expense During Claim$700$1,700
Total Home Insurance Premium for 3 years + Out of Pocket Expense for Claim $7,300$6,800
Net Savings to Richmond Heights Home Owner from High Deductible Plan $500

Richmond Heights, MO Home Insurance Costs With Home Replacement Value Scenarios

Scenario Richmond Heights, MO Home Replacement Value MORE than Home Value Richmond Heights, MO Home Replacement Value LESS than Home Value
Replacement Value $265,500 $173,500
Insurance Premium based on Replacement Value $1,250 $825
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $46,000 Risk Exposure from Under Insuring Coverage is $46,000
Premium Impact Insurance cheaper by $225/year Insurance costlier by $200/year

Example Richmond Heights Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateLiberty MutualFarmers Insurance
Monthly Premium 4719744
Year Built 195719621947
Home Details 2 Beds, 1 Baths5 Beds, 4 Baths3 Beds, 2 Baths
Coverage Amount $100000-$125000$600000-$700000$150000-$175000
Deductible $1000-$2500 Deductible$1000-$2500 Deductible$2500-$5000 Deductible

Sample Home Insurance Rates for Richmond Heights, MO from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1953 295,000 Membrane Roof 2,370 4 $5000 to $10,000 Deductible 510 6 Vinyl siding yes
1967 285,000 Tile Roof 2,370 4 $2500-$5000 Deductible 960 12 Vinyl siding yes
1950 190,000 Tile Roof 1,390 2 $2500-$5000 Deductible 80 1 Stucco siding yes
1942 140,000 Metal Roof 1,220 3 $500 Deductible 350 6 Stone Siding yes
1968 200,000 Composition Roof 1,360 2 $500 Deductible 450 6 Stucco siding No
1951 325,000 Asphalt Shingles Roof 2,070 5 $5000 to $10,000 Deductible 170 2 Vinyl siding No
1950 300,000 Metal Roof 1,930 5 $500 Deductible 780 8 Vinyl siding No
1960 750,000 Metal Roof 4,970 5 $1000-$2500 Deductible 3600 12 Stone Siding No
1949 255,000 Wood Shake Roof 1,900 4 $5000 to $10,000 Deductible 70 1 Brick siding No
1943 410,000 Tile Roof 3,160 5 $500 Deductible 1570 10 Stone Siding yes
1965 220,000 Wood Shake Roof 2,050 5 $2500-$5000 Deductible 150 2 Fiber-Cement Siding yes
1946 165,000 Membrane Roof 1,230 2 $5000 to $10,000 Deductible 120 3 Fiber-Cement Siding yes
1968 310,000 Slate Shingles Roof 2,700 4 > $10,000 Deductible 60 1 Stucco siding No
1942 325,000 Wood Shake Roof 2,330 3 $500 Deductible 1320 12 Vinyl siding yes
1956 260,000 Composition Roof 2,400 4 $1000-$2500 Deductible 1200 12 Stucco siding No
1960 380,000 Composition Roof 2,970 4 > $10,000 Deductible 560 9 Fiber-Cement Siding yes
1963 180,000 Metal Roof 1,330 2 $5000 to $10,000 Deductible 620 12 Stone Siding yes
1965 175,000 Wood Shake Roof 1,550 2 $500 Deductible 240 5 Wood siding No
1949 120,000 Membrane Roof 990 2 $500 Deductible 30 1 Fiber-Cement Siding yes
1968 240,000 Shingles Roof 1,780 3 $500- $1000 Deductible 260 2 Stucco siding No
1960 665,000 Composition Roof 4,180 5 $5000 to $10,000 Deductible 1730 7 Stucco siding No
1963 345,000 Tile Roof 2,730 4 $1000-$2500 Deductible 780 4 Vinyl siding yes
1956 290,000 Metal Roof 2,310 4 $5000 to $10,000 Deductible 490 8 Brick siding No
1954 235,000 Membrane Roof 1,880 5 > $10,000 Deductible 560 9 Stone Siding yes
1949 215,000 Membrane Roof 1,390 2 > $10,000 Deductible 320 7 Fiber-Cement Siding No
1954 195,000 Tile Roof 1,640 2 $500 Deductible 670 12 Wood siding yes
1958 560,000 Wood Shake Roof 4,870 5 $500 Deductible 230 1 Vinyl siding No
1945 160,000 Asphalt Shingles Roof 1,130 2 $500- $1000 Deductible 290 4 Stucco siding yes
1953 195,000 Membrane Roof 1,380 3 $2500-$5000 Deductible 770 12 Brick siding yes
1946 205,000 Tile Roof 1,660 2 $5000 to $10,000 Deductible 70 1 Stone Siding No
1952 480,000 Asphalt Shingles Roof 3,370 4 $500- $1000 Deductible 1130 7 Stucco siding yes
1955 450,000 Asphalt Shingles Roof 2,990 4 $1000-$2500 Deductible 1030 8 Stone Siding yes
1961 205,000 Asphalt Shingles Roof 1,650 2 $500 Deductible 670 8 Stone Siding yes
1957 240,000 Tile Roof 1,950 5 $5000 to $10,000 Deductible 330 4 Stucco siding No