Spiro Insurance Rates:

Spiro, OK homeowners insurance is about $1,194 to $1,633, about $99-$136/month. Our in depth guide indicates shoppers can save upto $565 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Spiro, OK Homeowners Insurance By Home Value

Spiro, OK Home Value Total Homes % of Total Average Spiro, OK Homeowners Insurance
Less than $50,000 593 32.0% $508
$50,000 to $59,999 239 13.0% $1073
$60,000 to $69,999 116 6.0% $1328
$70,000 to $79,999 105 5.0% $1526
$80,000 to $89,999 102 5.0% $1737
$90,000 to $99,999 75 4.0% $1935
$100,000 to $124,999 106 5.0% $2246
$125,000 to $149,999 156 8.0% $2811
$150,000 to $174,999 152 8.0% $3320
$175,000 to $199,999 71 3.0% $3829
$200,000 to $249,999 55 3.0% $4606
$300,000 to $399,999 42 2.0% $7163

Top Home Insurance Agents Near Spiro, OK

Home Insurance Company Near Spiro, OK Homeowners Insurance Agency Near Spiro, OK Address
NA Barton & Associates 500 S 20Th St Fort Smith, Fort Smith, AR, 72902
NA Bill Chandler Llc 101 1/2 N. 6Th Street Fort Smith, Fort Smith, AR, 72901
Liberty Mutual Independent Bhc Insurance 5500 EUPER LN, FORT SMITH, AR, 72903
Travelers Business Ins Consultants Inc 121 N 14TH ST, FT SMITH, AR, 72901
State Farm Ross Kent 1808 East Main Street, Booneville, AR, 72927-4009

Cost Of Homeowners Insurance By Street Near Spiro, OK

Streets in Spiro Area Homeowners Insurance Cost
7th St, Church House Rd, A Ave, I St, SE 3rd St, Cherokee Trl, Broadway, South St, Co Rd E1220, Carters Lake Rd$1,405
Deaton Dr, 226th St, Co Rd 26, Anne Dr, Hudson Corner Rd, Shelley Carlile Dr, Co Rd 50, S Main St, Co Rd 26, Co Rd D1245$1,416
160 Th St, Creek, B Ave, S Beech Ave, Co Rd 45, Avis Cir, N Fir, Sand Plant Rd, Cowshed Crossing Rd, Co Rd 23$1,400
Co Rd D1215, Co Rd 43, Co Rd E1250, Co Rd 45A, Co Rd E1188, Co Rd E1215, Greenwood Rd, Co Rd 33, Co Rd E1228, Cannery Rd$1,409
260th Ave, River View Ln, Chloe Layne Rd, Co Rd N4690, Oriole Ln, Bernie Dr, Co Rd E1175, Co Rd 38, Ash St, Co Rd N4736$1,425

Spiro, OK Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Spiro$210 to $213
Fort Coffee$211
Panama$208
Muldrow$214

Spiro, OK Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Fort Coffee town, Oklahoma $176 $235 $352
Panama town, Oklahoma $173 $231 $346
Muldrow CCD, Sequoyah County, Oklahoma $179 $238 $357

Spiro, OK 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
Spiro, OK12.7%43.0%
Fort Coffee13.21%43.55%
Panama15.49%50.69%
Muldrow13.2%36.89%

Spiro Renters Insurance as a Percentage of Rent

Spiro Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 151 18.0% $845
$300 to $499 123 15.0% $1295
$500 to $749 340 42.0% $1970
$750 to $999 162 20.0% $2720
$1,000 to $1,499 17 2.0% $3845

Spiro, OK Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$700$1,700
Yearly Spiro Homeowner Insurance Premium Example $5,400$4,900
Out of Pocket Expense During Claim$700$1,700
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $27,700$26,200
Net Savings to Spiro Home Owner from High Deductible Plan $1,500

Spiro, OK Home Insurance Costs With Home Replacement Value Scenarios

Scenario Spiro, OK Home Replacement Value MORE than Home Value Spiro, OK Home Replacement Value LESS than Home Value
Replacement Value $74,000 $50,500
Insurance Premium based on Replacement Value $2,150 $1,475
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $11,000 Risk Exposure from Under Insuring Coverage is $12,500
Premium Impact Insurance cheaper by $350/year Insurance costlier by $325/year

Example Spiro Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceFarmers InsuranceAmica Mutual Insurance Company
Monthly Premium 348261195
Year Built 200020141972
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 4 Baths
Coverage Amount $150000-$175000$100000-$125000$75000-$100000
Deductible $5000 to $10,000 Deductible$500- $1000 Deductible$500- $1000 Deductible

Sample Home Insurance Rates for Spiro, OK from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1961 115,000 Composition Roof 1,900 4 $500- $1000 Deductible 1780 6 Wood siding No
2001 190,000 Tile Roof 2,950 4 $500- $1000 Deductible 2810 5 Brick siding yes
2004 140,000 Shingles Roof 2,060 3 $2500-$5000 Deductible 630 2 Vinyl siding No
1986 100,000 Shingles Roof 1,990 3 $500 Deductible 3710 12 Vinyl siding yes
1966 110,000 Shingles Roof 1,680 3 $2500-$5000 Deductible 700 3 Fiber-Cement Siding No
2010 120,000 Metal Roof 2,300 5 $500- $1000 Deductible 4960 12 Wood siding No
2013 105,000 Composition Roof 1,550 3 $500- $1000 Deductible 350 1 Stucco siding No
1966 195,000 Tile Roof 3,170 4 $5000 to $10,000 Deductible 3880 12 Vinyl siding No
2000 100,000 Membrane Roof 1,930 4 $500- $1000 Deductible 1140 5 Fiber-Cement Siding No
1971 275,000 Asphalt Shingles Roof 4,850 5 $500- $1000 Deductible 5680 10 Wood siding yes
1981 120,000 Membrane Roof 2,410 4 $2500-$5000 Deductible 2360 7 Brick siding yes
1991 135,000 Composition Roof 2,370 5 $2500-$5000 Deductible 2660 12 Stone Siding yes
2010 145,000 Tile Roof 2,380 3 $1000-$2500 Deductible 850 3 Stone Siding yes
1979 105,000 Shingles Roof 2,050 3 $2500-$5000 Deductible 2390 10 Vinyl siding No
1962 185,000 Membrane Roof 3,180 4 $1000-$2500 Deductible 1480 3 Vinyl siding No
1971 145,000 Wood Shake Roof 2,190 3 $500- $1000 Deductible 910 3 Vinyl siding yes
1990 100,000 Membrane Roof 2,060 3 $500- $1000 Deductible 3460 9 Vinyl siding No
1973 105,000 Shingles Roof 1,840 4 $1000-$2500 Deductible 2370 7 Fiber-Cement Siding yes
1962 145,000 Asphalt Shingles Roof 2,340 3 $2500-$5000 Deductible 1040 3 Fiber-Cement Siding No
1984 210,000 Wood Shake Roof 3,060 4 $5000 to $10,000 Deductible 2120 7 Fiber-Cement Siding yes
1995 100,000 Membrane Roof 1,790 3 $2500-$5000 Deductible 1130 5 Brick siding No
2002 105,000 Slate Shingles Roof 1,900 3 $500- $1000 Deductible 1890 8 Wood siding No
1991 270,000 Membrane Roof 4,820 5 $500- $1000 Deductible 9060 10 Vinyl siding No
2009 285,000 Asphalt Shingles Roof 4,890 5 $500- $1000 Deductible 4630 7 Fiber-Cement Siding yes
1986 75,000 Asphalt Shingles Roof 1,270 3 $1000-$2500 Deductible 1580 9 Vinyl siding No
2012 190,000 Composition Roof 2,950 4 $500- $1000 Deductible 450 1 Fiber-Cement Siding No
1980 95,000 Membrane Roof 1,870 4 $1000-$2500 Deductible 690 2 Brick siding yes
2010 105,000 Wood Shake Roof 1,770 3 $500- $1000 Deductible 1440 4 Fiber-Cement Siding No
1995 155,000 Composition Roof 2,780 4 $5000 to $10,000 Deductible 850 3 Fiber-Cement Siding yes
1988 185,000 Slate Shingles Roof 3,310 4 $5000 to $10,000 Deductible 3880 10 Wood siding yes
1994 140,000 Membrane Roof 2,350 3 $500 Deductible 1520 4 Fiber-Cement Siding yes
1977 195,000 Tile Roof 3,060 4 $500 Deductible 2470 4 Wood siding No
1976 110,000 Membrane Roof 2,240 3 $500- $1000 Deductible 3730 10 Brick siding No
2013 165,000 Metal Roof 3,550 5 $1000-$2500 Deductible 370 1 Stone Siding yes