St. Joseph Insurance Rates:

St. Joseph, MO homeowners insurance is approximately $811 to $1,099, about $67-$91/month. Our thorough analysis shows customers can save upto $382 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Shelter
The price for our insurance is very reasonable and i like having the option of how we can set up payments that fit our billing schedule.
State Farm
Stopping or changing a payment method is not possible with this company especially if you are set up on the auto pay program.
Nationwide
They have plans that are affordable, and you never have to worry about high prices. they always have plans that are within your budget.
Geico
They have excellent customer service, always willing to help and they seem to enjoy the job. I have never had a problem before
Liberty Mutual
They send the bill, we pay the amount due. I don't really want any more interaction than that unless they can lower my premium.
State Farm
It is easy to navigate and find the information that I need to find. I like using it and plan to do so in the future.
Travelers
I really have no dislikes about Travelers Insurance company! They have been there for me though a lot of issues!!
State Farm
I have currently been pricing out insurance from other companies, and have found that my premiums are higher than other companies.

St. Joseph, MO Homeowners Insurance By Home Value

St. Joseph, MO Home Value Total Homes % of Total Average St. Joseph, MO Homeowners Insurance
Less than $50,000 2,655 14.0% $239
$50,000 to $59,999 985 5.0% $497
$60,000 to $69,999 1,404 7.0% $621
$70,000 to $79,999 1,301 7.0% $717
$80,000 to $89,999 1,554 8.0% $812
$90,000 to $99,999 1,228 6.0% $908
$100,000 to $124,999 2,349 13.0% $1051
$125,000 to $149,999 1,745 9.0% $1309
$150,000 to $174,999 1,901 10.0% $1548
$175,000 to $199,999 842 4.0% $1787
$200,000 to $249,999 933 5.0% $2151
$250,000 to $299,999 616 3.0% $2638
$300,000 to $399,999 350 1.0% $3346

Top Home Insurance Agents Near St. Joseph, MO

Home Insurance Company Near St. Joseph, MO Homeowners Insurance Agency Near St. Joseph, MO Address
NA Ekberg Ins Agcy 1301 Central Ave Kansas City, Kansas City, KS, 66102
NA Ocker Insurance, Inc. 305 N. Cherry St., Cameron, MO, 64429
Farmers Anthony Simone 1201 NW Briarcliff Pkwy Ste 345, Kansas City, MO, 64116
Allstate Brian Walker 3817 Frederick Ave # A, Saint Joseph, MO, 64506
State Farm Emmett Thompson 3100 Broadway Blvd Ste 128, Kansas City, MO, 64111-2686

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

Streets in St. Joseph Area Homeowners Insurance Cost
N 39th Ter, Bluff Rd SW, Co Rd 127, Hurlingen Rd NE, S 21st St, S 8th St, S Riverside Rd, Sanctuary Trl, 82nd Rd SE, W Chestnut St$998
E Michel St, N 10th St, Co Rd E6S, Park Ave, Bellevue St, E Hillview Cir, Co Rd W12S, Block St, N 33rd St, Pleasant Ave$952
Co Rd 303, Ethel Dr, Pickett Rd SE, SE Malden Creek Rd, N Woodbine Rd, S 28th St, County Line Rd NE, Crescent Dr, Howard St, Hummingbird Ct$997
Williams St, Terrace Ave, Tierney Ct, Ashland Ct, Co Rd 302, Quail Dr, Crabapple Rd SE, Washington St, Spring St, Mallard Ct$1,047
Ajax Rd, Nickell Dr, Zebra Ln, 3rd St, Rock Springs Rd, Olive St, SE Stringtown Rd, Co Hwy S15E, McCarthy Rd, Co Rd 361$997
Taos Rd SW, Ridge Dr, Woodson St, Co Rd 167, SE 75th Rd, Plattsburg Ave, W St Paul St, State Rte Ff, State Hwy A, Gideon Ln$998
SW Jones Sailor Rd, Pamela Dr, Lovers Ln, Elijah St, Senior Dr, S 1st St, Co Rd E14S, 1st St, Miller Rd, Harvard St$937
Sublette Way, Seymour Rd SE, Co Rd 131, Saxton Easton Rd, SE Walkup Rd, W Lake Blvd, Co Rd 385, Barbara St, Virginia St, Garden St$1,006
Belle St, Sarah Ln, S 37th Ter, Fike Rd SE, N 8th St, Barton Rd SE, Cudmore Ave, Co Rd E16S, Mobile Home Dr, Blackwell Rd$999
Southcrest Ct, S 30th St, N 8th St, Andrew St, Monteigne Ln, Sycamore St, E Highland Ave, Wheatridge Dr, Co Rd 210, Rush Ave$941

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

PlaceSavings For Senior Occupied Homes
St. Joseph$142 to $145
Washington$143
Elwood$142
Country Club$150

St. Joseph, 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
Washington township, Buchanan County, Missouri $143 $191 $287
Elwood city, Kansas $143 $190 $285
Country Club village, Missouri $150 $200 $300

St. Joseph, 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. Joseph, MO7.8%23.1%
Washington7.65%23.05%
Elwood8.91%24.82%
Country Club5.62%17.96%

St. Joseph Renters Insurance as a Percentage of Rent

St. Joseph Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 335 3.0% $353
$200 to $299 466 4.0% $803
$300 to $499 1,404 13.0% $1253
$500 to $749 4,181 41.0% $1928
$750 to $999 2,563 25.0% $2678
$1,000 to $1,499 936 9.0% $3803
$1,500 or more 247 2.0% $5453

St. Joseph, MO Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,300$2,300
Yearly St. Joseph Homeowner Insurance Premium Example $900$700
Out of Pocket Expense During Claim$1,300$2,300
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $8,500$7,900
Net Savings to St. Joseph Home Owner from High Deductible Plan $600

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

Scenario St. Joseph, MO Home Replacement Value MORE than Home Value St. Joseph, MO Home Replacement Value LESS than Home Value
Replacement Value $126,000 $86,500
Insurance Premium based on Replacement Value $625 $425
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $26,000 Risk Exposure from Under Insuring Coverage is $13,500
Premium Impact Insurance cheaper by $75/year Insurance costlier by $125/year

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

Insurance Company Nationwide InsuranceChubb Group of InsuranceGEICO Insurance
Monthly Premium 486449
Year Built 196719891977
Home Details 3 Beds, 2 Baths2 Beds, 1 Baths5 Beds, 3 Baths
Coverage Amount $100000-$125000$125000-$150000$150000-$175000
Deductible $500- $1000 Deductible$500 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1969 110,000 Composition Roof 1,380 3 $500- $1000 Deductible 430 12 Wood siding No
1989 65,000 Tile Roof 1,080 2 $500 Deductible 310 10 Stone Siding yes
1966 100,000 Membrane Roof 1,700 2 $500 Deductible 80 2 Brick siding No
1944 130,000 Tile Roof 1,940 4 $500- $1000 Deductible 420 9 Wood siding yes
1960 150,000 Membrane Roof 2,580 4 $500- $1000 Deductible 60 1 Stone Siding yes
1965 90,000 Membrane Roof 1,080 2 $500- $1000 Deductible 300 9 Brick siding yes
1941 120,000 Asphalt Shingles Roof 2,060 3 $2500-$5000 Deductible 170 6 Brick siding yes
1967 130,000 Tile Roof 2,030 4 $1000-$2500 Deductible 520 12 Wood siding yes
1966 130,000 Tile Roof 2,350 3 $2500-$5000 Deductible 280 9 Stone Siding yes
1982 110,000 Wood Shake Roof 1,790 3 $500- $1000 Deductible 110 3 Stucco siding No
1946 175,000 Metal Roof 2,960 4 $5000 to $10,000 Deductible 450 9 Stone Siding yes
1985 95,000 Asphalt Shingles Roof 1,290 3 $500 Deductible 300 8 Stone Siding yes
1968 110,000 Asphalt Shingles Roof 1,650 2 $500- $1000 Deductible 290 6 Stone Siding No
1960 180,000 Tile Roof 2,350 4 $1000-$2500 Deductible 50 1 Wood siding yes
1940 105,000 Composition Roof 1,850 3 $2500-$5000 Deductible 200 6 Vinyl siding yes
1978 330,000 Slate Shingles Roof 4,490 5 $1000-$2500 Deductible 110 1 Vinyl siding yes
1961 120,000 Asphalt Shingles Roof 1,740 2 $2500-$5000 Deductible 270 7 Brick siding yes
1960 220,000 Tile Roof 2,810 4 $2500-$5000 Deductible 320 4 Stone Siding No
1978 155,000 Wood Shake Roof 2,040 3 $500 Deductible 70 1 Brick siding yes
1967 285,000 Tile Roof 3,780 5 $1000-$2500 Deductible 500 7 Wood siding yes
1947 190,000 Wood Shake Roof 2,720 4 $500- $1000 Deductible 560 8 Fiber-Cement Siding No
1970 255,000 Composition Roof 4,500 5 $500 Deductible 400 5 Vinyl siding yes
1982 115,000 Asphalt Shingles Roof 1,750 2 $2500-$5000 Deductible 40 2 Brick siding No