St. Peters Insurance Rates:

St. Peters, MO homeowners insurance is roughly $855 to $1,158, about $71-$96/month. Our complete guide reveals consumers can save as much as $402 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate
I just received in the mail today a problem with the policy, i tried calling the recording said they were to busy.
State Farm
Price of insurance is always a problem, but it's probably similar with everyone.
Shelter
I really like that my agent helps me to find the most affordable plan for my family and our budget.
State Farm
I have already covered this for all the questions above. The staff I have dealt with lack knowledge about the products that they offer. I could use an internet insurance company and not bother with the "extra" that I am sure is factored in for having human representatives.
Shelter
I haven't researched other homeowner insurance premiums. This one is escrowed into our mortgage and we use it for ease of payment.
Country Financial
I have not used customer service as I have had no reason to contact them. Therefore I can only rate as I believe my experience would be if I had to use them.

St. Peters, MO Homeowners Insurance By Home Value

St. Peters, MO Home Value Total Homes % of Total Average St. Peters, MO Homeowners Insurance
Less than $50,000 576 3.0% $140
$80,000 to $89,999 259 1.0% $492
$90,000 to $99,999 229 1.0% $553
$100,000 to $124,999 1,249 7.0% $643
$125,000 to $149,999 2,023 11.0% $804
$150,000 to $174,999 4,928 28.0% $955
$175,000 to $199,999 2,894 16.0% $1096
$200,000 to $249,999 2,728 15.0% $1327
$250,000 to $299,999 1,217 7.0% $1619
$300,000 to $399,999 691 4.0% $2062

Top Home Insurance Agents Near St. Peters, MO

Home Insurance Company Near St. Peters, MO Homeowners Insurance Agency Near St. Peters, MO Address
Travelers Donald B Elliott Insurance Agency Inc 107 N WASHINGTON ST, JERSEYVILLE, IL, 62052
Travelers Insurance Consultants Inc 4167 CRESCENT DR STE 101, ST LOUIS, MO, 63129
State Farm Karen Wilson 225 Tolle Ln, Godfrey, IL, 62035-2451
Farmers Thomas Tom Johnson Lutcf 132 E Pearce Blvd, Wentzville, MO, 63385
State Farm Wesley Ranew 13434 Clayton Rd, Saint Louis, MO, 63131-1006

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

Streets in St. Peters Area Homeowners Insurance Cost
Pioneer Pt, Quiet Grove Ct, Saint Christopher Dr, Hearthside Dr, Orchid Blossom Ct, Congress Way, Crystal Pl, Klondike Xing, Cloverhill Ct, Lorillard St$1,018
Frontier Edge Ct, Misty Moss Ln, Cherry Tree St, Spanish Trl, Towers Rd, Surrey Ln, Walnut Hill Dr, Indacom Dr, Teak Ct, Claim Jumper Ct$1,003
Pine Tree St, Brittany Downs Dr, Fox Pointe Dr, Guinevere Ct, Elm Point Rd, Tudor Sq, Vicksburg Station, Lime Rock Dr, Kensington Pl, Algana Dr$1,042
Donna Dr, Tarragon Dr, St Paul Dr, Timberview Ln, Prairie Home Dr, Cap au Gris Dr, Bunker Hill, Windstream Ct, Kennett Dr, del Oro$1,000
Sycamore Dr, Fox Moor Ct, Mount Vernon Dr, Belcourt Cir, Tieman Ln, Country Acres Ct, Cedarshade Ct, Cherry Tree Dr, Delaware Dr, W Sunnyhill Blvd$1,040
Hwy M, Tailing Wheel Ct, Saint Peters Howell Rd, Golden Gate Ln, Spring Time Ct, Hesters Ct, Lafayette Landing Pl, Whispering Woods Dr, Harding St, St Charles St$1,044
Walnut Place Ct, Harvest Glen Ct, Redbud Ln, Spring Meadow Ct, Halifax Bend Ct, Twill Valley Ct, Winterwood Ct, Larkspur Ln, Jenny Lind Dr, Toscana Way$982
Cadet Ct, Treeshade Ct, Sunny Meadows Ct, Country Meadows Dr, Hillview Ct, Walnut Creek Ct, Ridgefield Ct, Drug Package Ln, Valley Vista Dr N, Ticonderoga Dr$1,047
Oak Point Dr, Golden Gate Ct, Williams St, Constellation Hill, Cardinal Pl, Hunters Pointe Dr, Big Oak Dr, Hollow Tree Ct, Countryside Dr, Meadow Run Ct$1,047
St David Dr, Marianne Dr, Legacy Crossing Ct, Cactus Junction, Saratoga Hts, Fort Saratoga, Morrow Glen Ct, Brittany Cove, Mount Vernon Dr, Whitewood Ct$1,047

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

PlaceSavings For Senior Occupied Homes
St. Peters$150 to $153
Spencer Creek$150
Zumbehl$153
Dardenne$154

St. Peters, 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
Spencer Creek township, St. Charles County, Missouri $150 $200 $300
Zumbehl township, St. Charles County, Missouri $153 $204 $306
St. Charles County, Missouri $153 $204 $306

St. Peters, 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. Peters, MO5.8%18.3%
Spencer Creek5.95%17.95%
Zumbehl5.87%18.04%
St. Charles County5.49%17.91%

St. Peters Renters Insurance as a Percentage of Rent

St. Peters Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 46 1.0% $781
$300 to $499 132 3.0% $1231
$500 to $749 1,373 36.0% $1906
$750 to $999 1,203 31.0% $2656
$1,000 to $1,499 787 20.0% $3781
$1,500 or more 221 5.0% $5431

St. Peters, MO Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$700$2,700
Yearly St. Peters Homeowner Insurance Premium Example $1,300$900
Out of Pocket Expense During Claim$700$2,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $11,100$9,900
Net Savings to St. Peters Home Owner from High Deductible Plan $1,200

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

Scenario St. Peters, MO Home Replacement Value MORE than Home Value St. Peters, MO Home Replacement Value LESS than Home Value
Replacement Value $191,500 $142,000
Insurance Premium based on Replacement Value $1,125 $825
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $29,000 Risk Exposure from Under Insuring Coverage is $20,500
Premium Impact Insurance cheaper by $125/year Insurance costlier by $175/year

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

Insurance Company State FarmAmica Mutual Insurance CompanyTravelers
Monthly Premium 4810184
Year Built 198120111993
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths5 Beds, 4 Baths
Coverage Amount $200000-$250000$250000-$300000$200000-$250000
Deductible > $10,000 Deductible$500- $1000 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1994 290,000 Metal Roof 2,550 5 $1000-$2500 Deductible 520 5 Vinyl siding yes
1995 155,000 Slate Shingles Roof 1,870 3 $500 Deductible 450 9 Fiber-Cement Siding No
2014 250,000 Shingles Roof 2,710 4 $500 Deductible 80 1 Wood siding yes
2008 235,000 Metal Roof 2,330 4 $5000 to $10,000 Deductible 900 12 Fiber-Cement Siding yes
2003 130,000 Composition Roof 1,510 5 $500 Deductible 150 3 Vinyl siding No
2010 455,000 Asphalt Shingles Roof 3,810 5 $2500-$5000 Deductible 1210 9 Stone Siding yes
2006 345,000 Wood Shake Roof 4,040 5 $5000 to $10,000 Deductible 80 1 Wood siding yes
2006 380,000 Wood Shake Roof 4,230 5 $500 Deductible 1180 7 Wood siding yes
2003 270,000 Metal Roof 2,770 4 $500 Deductible 1170 9 Wood siding yes
1984 140,000 Shingles Roof 1,730 3 $1000-$2500 Deductible 620 9 Stone Siding No
2012 390,000 Metal Roof 3,380 4 > $10,000 Deductible 350 3 Fiber-Cement Siding No
1983 180,000 Shingles Roof 1,570 3 $500 Deductible 1120 10 Wood siding yes
2014 170,000 Metal Roof 1,640 3 $2500-$5000 Deductible 190 4 Stucco siding yes
2002 210,000 Membrane Roof 1,810 3 $1000-$2500 Deductible 660 10 Brick siding yes
1993 310,000 Wood Shake Roof 2,640 4 $5000 to $10,000 Deductible 750 9 Stucco siding No
1997 395,000 Wood Shake Roof 4,050 5 > $10,000 Deductible 80 1 Stone Siding yes
2007 190,000 Tile Roof 2,070 3 $500- $1000 Deductible 260 3 Stucco siding No
2003 330,000 Tile Roof 3,150 4 $1000-$2500 Deductible 410 4 Stone Siding No
2013 155,000 Slate Shingles Roof 1,460 3 $5000 to $10,000 Deductible 140 4 Wood siding No