Smithville Insurance Rates:

Smithville, MO homeowners insurance is approximately $855 to $1,167, about $71-$97/month. Our complete guide shows customers can save upto $404 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Smithville, MO Homeowners Insurance By Home Value

Smithville, MO Home Value Total Homes % of Total Average Smithville, MO Homeowners Insurance
$70,000 to $79,999 40 1.0% $424
$80,000 to $89,999 95 3.0% $475
$90,000 to $99,999 73 2.0% $535
$100,000 to $124,999 284 10.0% $626
$125,000 to $149,999 336 12.0% $778
$150,000 to $174,999 444 16.0% $920
$175,000 to $199,999 408 15.0% $1061
$200,000 to $249,999 563 21.0% $1283
$250,000 to $299,999 269 10.0% $1567
$300,000 to $399,999 83 3.0% $1991

Top Home Insurance Agents Near Smithville, MO

Home Insurance Company Near Smithville, MO Homeowners Insurance Agency Near Smithville, MO Address
Travelers Associated Services In Insurance 1438 MINTER WAY, GRAIN VALLEY, MO, 64029
State Farm Debbie Swinney 2099 E 151st Street, Olathe, KS, 66062-2900
Farmers Kermit Cottrell 3010 Iowa St, Lawrence, KS, 66046
Travelers Northland Independent Group 5921 Nw Barry Rd Ste 200 Kansas City, Kansas City, MO, 64154
Travelers Tag-Chip Burton 12512 W 132ND ST, OVERLAND PARK, KS, 66213

Cost Of Homeowners Insurance By Street Near Smithville, MO

Streets in Smithville Area Homeowners Insurance Cost
Johnson Pl, NE 197th Ter, Hudson Ln, NE 188th St, NW 164th St, Amesbury Dr, Hillcrest Dr, Rollins Dr, 180th Ter, Lake Meadows Dr$1,033
Hwy E Mo, Ironwood Dr, NW I- 435 Hwy E, Dundee Rd, NW Martin Rd, NE 125th St, Lora St, Smithville Rd, N Commercial Ave, NE 160 St$1,033
W Meadow St, Camp Branch Marina, 6 St, Shannon Ave, Horseshoe Dr W, Harborview Dr, Short Cr, Galway St, Co Rd 306, State Hwy E$1,028
Surrey Ct, NE 133rd St, NE 125 St, NE 179 St, Rock Creek Dr, Mount Olivet Rd, Switchgrass Dr, Solar Cir, Garnet Cir, NE 156 St$1,033
NW 124 St, 140th St, NE 124th Ter, Sumac St, Hh Lake Rd, King Rd, NW Martin Rd, 181st Ter, Five Corners Rd, Quincy Blvd$1,032

Smithville, MO Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Smithville$150 to $152
Platte$151
Ridgely$147
Preston$146

Smithville, 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
Platte township, Clay County, Missouri $151 $201 $302
Ridgely village, Missouri $148 $197 $296
Trimble city, Missouri $147 $196 $294

Smithville, 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
Smithville, MO5.5%19.2%
Platte5.6%18.56%
Ridgely7.44%16.75%
Trimble6.81%21.94%

Smithville Renters Insurance as a Percentage of Rent

Smithville Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 56 10.0% $329
$200 to $299 108 19.0% $779
$300 to $499 74 13.0% $1229
$500 to $749 86 15.0% $1904
$750 to $999 94 17.0% $2654
$1,000 to $1,499 127 23.0% $3779

Smithville, MO Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,700$2,700
Yearly Smithville Homeowner Insurance Premium Example $800$600
Out of Pocket Expense During Claim$1,700$2,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $8,100$7,500
Net Savings to Smithville Home Owner from High Deductible Plan $600

Smithville, MO Home Insurance Costs With Home Replacement Value Scenarios

Scenario Smithville, MO Home Replacement Value MORE than Home Value Smithville, MO Home Replacement Value LESS than Home Value
Replacement Value $186,000 $145,000
Insurance Premium based on Replacement Value $825 $650
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $18,000 Risk Exposure from Under Insuring Coverage is $23,000
Premium Impact Insurance cheaper by $100/year Insurance costlier by $75/year

Example Smithville Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceNationwide InsuranceState Farm
Monthly Premium 5410882
Year Built 200619962011
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 1 Baths
Coverage Amount $150000-$175000$200000-$250000$200000-$250000
Deductible $1000-$2500 Deductible$500 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2008 185,000 Membrane Roof 2,040 3 $500 Deductible 600 7 Vinyl siding No
2011 235,000 Asphalt Shingles Roof 2,120 3 > $10,000 Deductible 190 5 Fiber-Cement Siding No
2002 170,000 Tile Roof 1,640 5 $1000-$2500 Deductible 350 6 Wood siding No
2002 205,000 Asphalt Shingles Roof 1,750 5 $500- $1000 Deductible 520 7 Stucco siding yes
2011 180,000 Tile Roof 1,500 3 $500 Deductible 1340 12 Brick siding No
1991 260,000 Tile Roof 2,530 4 $5000 to $10,000 Deductible 660 12 Wood siding No
2013 285,000 Composition Roof 2,610 4 $500- $1000 Deductible 1160 12 Stone Siding No
1994 335,000 Slate Shingles Roof 3,110 4 $2500-$5000 Deductible 700 6 Stucco siding No
2011 185,000 Slate Shingles Roof 2,000 3 $5000 to $10,000 Deductible 460 10 Stucco siding No
2011 395,000 Membrane Roof 3,980 5 > $10,000 Deductible 290 3 Brick siding yes
2009 240,000 Composition Roof 2,160 4 $5000 to $10,000 Deductible 320 4 Stone Siding No
1990 220,000 Membrane Roof 2,260 4 $1000-$2500 Deductible 140 2 Stone Siding No
2007 220,000 Tile Roof 1,990 4 $1000-$2500 Deductible 340 4 Vinyl siding yes
1996 200,000 Membrane Roof 2,300 3 $1000-$2500 Deductible 340 5 Fiber-Cement Siding yes
2002 510,000 Wood Shake Roof 4,560 5 > $10,000 Deductible 150 2 Fiber-Cement Siding yes
2010 490,000 Composition Roof 4,110 5 $2500-$5000 Deductible 1600 10 Brick siding No
2011 210,000 Tile Roof 1,980 3 > $10,000 Deductible 230 4 Stucco siding No
2005 205,000 Metal Roof 1,880 3 $500 Deductible 270 3 Stucco siding No
2008 255,000 Shingles Roof 2,780 4 $500 Deductible 190 2 Fiber-Cement Siding No
1992 165,000 Slate Shingles Roof 1,520 3 $5000 to $10,000 Deductible 510 10 Stone Siding yes
2011 510,000 Wood Shake Roof 4,990 5 $500- $1000 Deductible 2460 12 Fiber-Cement Siding yes
2010 175,000 Wood Shake Roof 1,740 4 $5000 to $10,000 Deductible 90 2 Brick siding No
2011 205,000 Membrane Roof 2,360 3 $500 Deductible 650 10 Wood siding No
1992 155,000 Slate Shingles Roof 1,560 3 $2500-$5000 Deductible 480 12 Wood siding yes
2001 495,000 Asphalt Shingles Roof 4,790 5 $1000-$2500 Deductible 420 3 Wood siding yes
2008 130,000 Composition Roof 1,280 3 $500 Deductible 340 6 Vinyl siding No
1998 295,000 Slate Shingles Roof 3,020 4 $1000-$2500 Deductible 950 10 Wood siding No
2005 145,000 Membrane Roof 1,780 4 $2500-$5000 Deductible 590 12 Stucco siding No
2004 170,000 Asphalt Shingles Roof 1,670 3 $5000 to $10,000 Deductible 230 6 Vinyl siding No
2011 170,000 Asphalt Shingles Roof 1,690 3 $5000 to $10,000 Deductible 160 4 Fiber-Cement Siding yes
1994 435,000 Tile Roof 4,040 5 $2500-$5000 Deductible 180 1 Wood siding yes
2010 535,000 Metal Roof 4,400 5 $5000 to $10,000 Deductible 380 4 Vinyl siding No
1994 205,000 Shingles Roof 1,910 3 $500 Deductible 210 2 Brick siding yes
2008 225,000 Asphalt Shingles Roof 1,870 3 $5000 to $10,000 Deductible 400 6 Fiber-Cement Siding No