St. Charles Insurance Rates:

St. Charles, MO homeowners insurance is approximately $858 to $1,167, about $71-$97/month. Our all inclusive guide shows customers can save as much as $404 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Farmer's Insurance
They are cheaper by $300 bucks, and that's a hug savings.
Allstate
You know, they're just not that bad. They've been very nice to me on the phone, and just makes me feel wet.
Nationwide
I would recommend them, as long as you are not prioritizing the premium/deductible costs as the factor in choosing. Their customer service is good, but they are more expensive.
State Farm
The premium I pay might be on the higher side but covers some of the things that other insurance companies don't.
State Farm
I've had State Farm for many years. I would recommend them because they are a sound and stable company. Their rates are a little high, but I know they have claim paying ability.
State Farm
I would definitely recommend State Farm for homeowners insurance. The customer service is outstanding. Options for coverage vary widely and prices are equivalent to other companies in the area.
Shelter
Shelter"s premium and deductible are comparable to other companies in out area. When I bought my home I did some research on other policies at other companies .
Travelers
My experience with Travelers has been excellent. I was concerned due to a recent policy having a depleted value for roof repair/replace. Travelers made sure that I had the cost value for any roof issues on the new property.
State Farm
I believe my insurance company offers the most for the money. Our premium is reasonable as compared to other companies I have received quotes from and the policy we have is very comprehensive.
Farmer's Insurance
I like that they are hassle-free and we are able to deal with them online and not have to go deal with them in person all of the time.
State Farm
They have a high deductible in the case of break-ins. we had a small break in (many years ago) and they stole about $475 worth of stuff. we made the claim and our deductible was around $500 so it was not even worth it.
Progressive
Progressive is always nice and pleasant to deal with. they have very nice customer service and they listen to you.
Shelter
I think the premium is very reasonable based on the value of our home and our area. I, of course, would love to pay less, but I don't necessarily expect to.
Ashley Swegle Agency
Ashley Swegle Agency charges the lowest overall premiums when home and auto are considered together or apart, cost is my only concern.
State Farm
Progressive talks a good game about saving me money but in the end it is a big rip off since I pay and pay for nothing.
Allstate
When compared to premiums of other companies Allstate's is a little higher but I am willing to pay this because I know and trust the agent at the office I use.
Allstate
There isn't anything I dislike. Their rates and handling of claims seems average and no complaints. I would keep using this company as long as the rates are competitive.
Country Financial
The only other company that I have to compare them with is Nationwide.Nationwide was able to offer a lower level of coverage but Country Financials insurance was cheaper meaning.
Progressive
It offers pretty much the same as every other insurance. It is the cheaper one I found for what we needed.

St. Charles, MO Homeowners Insurance By Home Value

St. Charles, MO Home Value Total Homes % of Total Average St. Charles, MO Homeowners Insurance
Less than $50,000 1,421 8.0% $131
$80,000 to $89,999 284 1.0% $475
$90,000 to $99,999 187 1.0% $536
$100,000 to $124,999 1,494 8.0% $617
$125,000 to $149,999 2,064 12.0% $769
$150,000 to $174,999 2,902 16.0% $910
$175,000 to $199,999 2,102 12.0% $1052
$200,000 to $249,999 3,403 19.0% $1275
$250,000 to $299,999 2,003 11.0% $1558
$300,000 to $399,999 1,106 6.0% $1973

Top Home Insurance Agents Near St. Charles, MO

Home Insurance Company Near St. Charles, MO Homeowners Insurance Agency Near St. Charles, MO Address
NA Downing Ins Agcy Inc 756 Central Ave, Alton, IL, 62002
Travelers Insurance Service Center Of Granite City Inc 1947 DELMAR AVE, GRANITE CITY, IL, 62040
State Farm John Klaus 1108 Ostle Dr, Collinsville, IL, 62234-2939
Liberty Mutual Katelyn Mccarty 12250 Weber Hill Rd. Ste 300, St. Louis, MO, 63127
Travelers Sailor Insurance Agency 225 N MAIN ST, EDWARDSVILLE, IL, 62025

St. Charles, MO Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near St. Charles, MO

Streets in St. Charles Area Homeowners Insurance Cost
Park St, Palm Dr, Fountain Lakes Blvd, W Randolph Rd, Burning Leaf Dr, Dexter Dr, Meadow Vue Dr, Parkside Dr, Alta Villa Pl, Golden Hills Dr$898
Shelburne Dr, Galloway Ct, State Hwy 364, Harry S Truman Blvd, Kunze Dr, Chauncey St, Edinburgh Ct, Le Sieur St, Chapel Hill Dr, N 9th St$1,026
Surrey Hills Dr, Saucier St, Wyatt Ct, Mira Villa Dr, Remington Blvd, Kampsville Dr, No 9 Green Dr, Briarhill Ct, Robert Dr, Oakmont Dr$983
Moonlight Dr, Sunnydale Dr, Santa Monica St, Brighton Way, Scarsdale Ct, New Town Blvd, E Governor Pl, Rosebud Ave, Wood St, Crystal Cove Ct$996
McClay Gardens Dr, Fox Ridge Dr, State Hwy 364, US Hwy 67, Cadet Ct, San Carlos Dr, Elizabeth Ellen Ct, N Village Dr, W Randolph St, Morgantown Dr$1,024
Westhill Dr, Sterlint Pointe Dr, Didion Dr, Bardstown Ct, Diekamp Farm Trl, McClay Valley Blvd, Foxglove Dr, Cave Springs Blvd, Lake Center, Rebecca Dr$1,012
Florine Ct, E Lime Kiln, Sugar Maple, Twill Valley Ct, Summitview Dr, Elmcrest Dr, Dennis Dr, Brookridge Ln, Gary Ct, Fir$1,039
N Wisteria Dr, Bradshaw Rd, Newport Dr, N 10th St, South Dr, St Esther Dr, Ridgeview Ct, Cap au Gris Dr, Sunnydays Ct, Trenton Station$987
Kings Hwy, Arrowhead Cir, Flagstone Ln, Blase Station Rd, Angelique Ct, Eddington Ln, Hardwood Dr, Sugar Maple Ln, Hampton Rd, Oak Ave$1,024
N 8th St, Eagle Pines Dr, Wayne St, St Joan Ln, St Charles Dr, Louiston Ct, Kingshighway, Green Number 4 Dr, Sherman Dr, Congress Way$1,047

St. Charles, MO Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
St. Charles$151 to $154
Lindenwood$150
Zumbehl$153
Northwest$147

St. Charles, 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
Lindenwood township, St. Charles County, Missouri $125 $167 $250
Zumbehl township, St. Charles County, Missouri $128 $170 $255
Frontier township, St. Charles County, Missouri $128 $171 $256

St. Charles, 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
St. Charles, MO5.9%18.6%
Lindenwood6.43%19.85%
Zumbehl5.87%18.04%
Frontier5.32%16.83%

St. Charles Renters Insurance as a Percentage of Rent

St. Charles Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 164 1.0% $328
$200 to $299 284 3.0% $778
$300 to $499 653 7.0% $1228
$500 to $749 2,731 30.0% $1903
$750 to $999 3,440 38.0% $2653
$1,000 to $1,499 1,147 12.0% $3778
$1,500 or more 535 5.0% $5428

St. Charles, MO Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,200$3,200
Yearly St. Charles Homeowner Insurance Premium Example $1,200$800
Out of Pocket Expense During Claim$1,200$3,200
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $9,600$8,800
Net Savings to St. Charles Home Owner from High Deductible Plan $800

St. Charles, MO Home Insurance Costs With Home Replacement Value Scenarios

Scenario St. Charles, MO Home Replacement Value MORE than Home Value St. Charles, MO Home Replacement Value LESS than Home Value
Replacement Value $182,000 $112,000
Insurance Premium based on Replacement Value $1,100 $675
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $33,500 Risk Exposure from Under Insuring Coverage is $36,500
Premium Impact Insurance cheaper by $225/year Insurance costlier by $200/year

Example St. Charles Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceTravelersLiberty Mutual
Monthly Premium 504561
Year Built 200720141982
Home Details 2 Beds, 1 Baths4 Beds, 3 Baths3 Beds, 1 Baths
Coverage Amount $125000-$150000$175000-$200000$200000-$250000
Deductible $2500-$5000 Deductible$5000 to $10,000 Deductible$5000 to $10,000 Deductible

Sample Home Insurance Rates for St. Charles, MO from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2009 305,000 Tile Roof 2,520 4 > $10,000 Deductible 270 4 Wood siding No
1997 180,000 Shingles Roof 1,480 3 $500- $1000 Deductible 330 4 Stone Siding yes
1981 215,000 Metal Roof 1,890 3 > $10,000 Deductible 240 4 Stucco siding yes
1996 160,000 Composition Roof 1,720 3 $500 Deductible 260 3 Vinyl siding No
1981 255,000 Slate Shingles Roof 2,590 4 $2500-$5000 Deductible 210 3 Vinyl siding yes
2010 165,000 Shingles Roof 1,390 3 $2500-$5000 Deductible 480 9 Vinyl siding No
1978 160,000 Metal Roof 1,350 2 $500 Deductible 330 5 Stone Siding No
2008 235,000 Composition Roof 2,140 5 $500- $1000 Deductible 210 3 Wood siding No
2012 320,000 Tile Roof 3,440 5 > $10,000 Deductible 260 3 Fiber-Cement Siding yes
1988 150,000 Slate Shingles Roof 1,280 3 $1000-$2500 Deductible 400 6 Fiber-Cement Siding No
1978 90,000 Tile Roof 960 2 $500 Deductible 90 3 Fiber-Cement Siding No
2011 320,000 Composition Roof 3,790 5 $2500-$5000 Deductible 450 5 Wood siding yes
1975 165,000 Metal Roof 1,880 3 $5000 to $10,000 Deductible 280 6 Vinyl siding yes
1982 150,000 Membrane Roof 1,320 2 $500 Deductible 460 9 Vinyl siding No
1975 500,000 Membrane Roof 4,120 5 > $10,000 Deductible 670 5 Wood siding yes
1991 130,000 Wood Shake Roof 1,130 2 $2500-$5000 Deductible 130 3 Stone Siding No
1999 385,000 Asphalt Shingles Roof 4,270 5 $500- $1000 Deductible 410 3 Stucco siding yes
2012 405,000 Wood Shake Roof 4,560 5 > $10,000 Deductible 80 1 Stucco siding yes
1993 190,000 Wood Shake Roof 1,960 5 $500 Deductible 740 9 Wood siding yes
1990 80,000 Membrane Roof 930 2 $500- $1000 Deductible 130 4 Stucco siding No
2008 450,000 Wood Shake Roof 3,940 5 $500 Deductible 2140 12 Vinyl siding yes
2007 150,000 Metal Roof 1,420 3 $1000-$2500 Deductible 260 6 Stone Siding No
1994 255,000 Metal Roof 2,940 5 $500- $1000 Deductible 120 1 Vinyl siding yes
2005 275,000 Tile Roof 2,810 4 $1000-$2500 Deductible 1000 12 Brick siding No
2012 495,000 Shingles Roof 4,470 5 $500 Deductible 2860 12 Brick siding No
1997 380,000 Tile Roof 3,440 5 $500 Deductible 790 7 Stucco siding yes
1991 135,000 Asphalt Shingles Roof 1,180 2 $500 Deductible 640 12 Fiber-Cement Siding yes
2001 120,000 Metal Roof 1,320 2 $500 Deductible 220 5 Wood siding No
1985 200,000 Tile Roof 2,280 4 $500 Deductible 440 6 Brick siding No
2012 170,000 Shingles Roof 1,800 4 $2500-$5000 Deductible 390 7 Wood siding No
1980 245,000 Asphalt Shingles Roof 2,230 3 $1000-$2500 Deductible 240 4 Vinyl siding No
1981 120,000 Wood Shake Roof 1,350 2 $2500-$5000 Deductible 150 3 Wood siding No
1990 205,000 Asphalt Shingles Roof 1,650 2 $5000 to $10,000 Deductible 130 3 Stucco siding yes
1985 265,000 Slate Shingles Roof 2,330 4 $1000-$2500 Deductible 820 8 Wood siding No

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