Union Insurance Rates:

Union, MO homeowners insurance is roughly $839 to $1,144, about $69-$95/month. Our comprehensive guide shows customers can save as much as $396 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Farmer's Insurance
EXCELLENT COMPANY GOOD SERVICE TRUTHFULNESS AND A LOT OF RESPECT FOR ITS CUSTOMERS MEET EVERYTHING I OFFER

Union, MO Homeowners Insurance By Home Value

Union, MO Home Value Total Homes % of Total Average Union, MO Homeowners Insurance
Less than $50,000 488 10.0% $158
$50,000 to $59,999 126 2.0% $346
$70,000 to $79,999 151 3.0% $495
$80,000 to $89,999 270 5.0% $564
$90,000 to $99,999 167 3.0% $624
$100,000 to $124,999 558 11.0% $723
$125,000 to $149,999 706 15.0% $911
$150,000 to $174,999 728 15.0% $1070
$175,000 to $199,999 433 9.0% $1238
$200,000 to $249,999 460 9.0% $1496
$250,000 to $299,999 316 6.0% $1823
$300,000 to $399,999 247 5.0% $2318

Top Home Insurance Agents Near Union, MO

Home Insurance Company Near Union, MO Homeowners Insurance Agency Near Union, MO Address
Travelers Heartland Insurance 2451 EXECUTIVE DR STE 200, ST CHARLES, MO, 63303
Liberty Mutual Independent Hebbeln Financial Services In 744H Spirit Of St Louis Blvd, Chesterfield, MO, 63005
Travelers J W Terrill Inc 825 Maryville Centre Dr Ste 200 Chesterfield, Town and Country, MO, 63017
Allstate Kyle Wooddell 681 Jeffco Blvd, Arnold, MO, 63010
Travelers Old Town Insurance Center 606 ST FERDINAND ST, FLORISSANT, MO, 63031

Cost Of Homeowners Insurance By Street Near Union, MO

Streets in Union Area Homeowners Insurance Cost
May Apple Trl, Deer Tracks Ln, Lewis and Clark Dr, Spring Hill Ln, Pearson Ln, Majestic Meadows Ln, Sieve Rd, Northwoods Cir, Glossy Ln, Winters Rd$1,006
Hwy Bb, Blackberry Ln, Twin Lakes Dr, Spring Bluff Rd, Hwy CC, Cross Creek Ln, S Jefferson Ave, Weber Creek Rd, Labadie Bottoms Rd, Lawrence Ln$972
Little Creek Rd, Anderson Ln, Bordeaux Cir, Scenic View Dr, N Christina Ave, State Hwy Ww, Kamper Rd, Prairie View Ct, Vedder Rd, Missouri Dr$978
Lake View Dr, Leaning Oak Dr, Trendle Rd, Saint Louis Rock Rd, Dry Branch Rd, Old Manchester Rd, Shady Ln, Turtle Creek, Oak Dr, Whispering Pines Dr$986
Roewe Dr, Wilkinson Pl, Wenona Dr, Sapsucker Rd, Jordon Ridge Dr, Ranch Bluff Rd, Club Creek Ct, Candi Lynn Ct, Tavern Creek Ct, Greenstreet Rd$998
Hermit Hollow Dr, Lollar Branch Hills Rd, Let It Be Blvd, Willow Creek Rd, Wild Pine Way, Broadway St, Stonebrooke Dr, Vee Cee Estates Ln, Vondera Ave, Cherry Hills Ct$970
Bieker Rd, Meadowview Dr, Stonecrest Dr, Weber Rd, Old Country Farm Rd, E Springfield Ave, Hunters Path, Oak Parc, Maple Dr, N Svc Rd$1,038
River Cliff Dr, Hillside Dr, Vossbrink Rd, Meadowview Dr, N Bend Loop, Hwy V, Chapel Ridge Dr, Lake Dr, Labadie Creek Rd, Schmidt Ln$979
Maplecrest Dr, Red Oak Dr, W 3rd St, Meadow Ln, Flagstone, Heathermoor Ct, Purina Dr, Old Hwy 50 W, Beemont Rd, S Oak St$1,001
State Hwy Ac, Wally Ave, River Ridge Dr, Hilltop Dr, Rock Rd, South St, Bonnie Dr, Walton Trails Ln, Grandview St, Deer Run Dr$975

Union, MO Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Union$147 to $149
Franklin County$148
St. Clair$143
Central$145

Union, 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
Franklin County, Missouri $124 $165 $248
St. Clair city, Missouri $120 $159 $239
Central township, Franklin County, Missouri $121 $161 $242

Union, 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
Union, MO6.4%24.7%
Franklin County6.75%22.9%
St. Clair7.28%23.74%
Central6.85%26.19%

Union Renters Insurance as a Percentage of Rent

Union Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 20 1.0% $338
$200 to $299 45 2.0% $788
$300 to $499 361 21.0% $1238
$500 to $749 789 46.0% $1913
$750 to $999 372 21.0% $2663
$1,000 to $1,499 106 6.0% $3788

Union, MO Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,700$2,700
Yearly Union Homeowner Insurance Premium Example $1,500$1,300
Out of Pocket Expense During Claim$1,700$2,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $13,700$13,100
Net Savings to Union Home Owner from High Deductible Plan $600

Union, MO Home Insurance Costs With Home Replacement Value Scenarios

Scenario Union, MO Home Replacement Value MORE than Home Value Union, MO Home Replacement Value LESS than Home Value
Replacement Value $222,500 $155,500
Insurance Premium based on Replacement Value $1,100 $775
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $21,000 Risk Exposure from Under Insuring Coverage is $46,000
Premium Impact Insurance cheaper by $225/year Insurance costlier by $100/year

Example Union Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualAmerican Family InsuranceFarmers Insurance
Monthly Premium 7893132
Year Built 199620041949
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 1 Baths
Coverage Amount $175000-$200000$200000-$250000$250000-$300000
Deductible $500- $1000 Deductible$500 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2010 185,000 Shingles Roof 1,870 3 $500- $1000 Deductible 650 8 Stone Siding yes
1994 125,000 Composition Roof 1,430 3 $500 Deductible 400 8 Fiber-Cement Siding yes
1984 140,000 Metal Roof 1,830 4 $1000-$2500 Deductible 60 1 Wood siding No
1940 310,000 Tile Roof 2,880 4 $500- $1000 Deductible 520 4 Wood siding No
1977 130,000 Asphalt Shingles Roof 1,700 4 $500- $1000 Deductible 350 6 Stone Siding yes
2007 405,000 Metal Roof 4,260 5 $5000 to $10,000 Deductible 840 7 Stone Siding yes
1971 205,000 Composition Roof 1,860 4 $1000-$2500 Deductible 690 9 Brick siding yes
1949 240,000 Composition Roof 2,220 4 $500- $1000 Deductible 260 3 Stucco siding yes
2010 220,000 Tile Roof 2,030 4 $500- $1000 Deductible 300 5 Wood siding yes
1948 210,000 Membrane Roof 2,090 4 $500- $1000 Deductible 920 10 Brick siding No
2009 285,000 Slate Shingles Roof 2,900 4 $2500-$5000 Deductible 600 6 Fiber-Cement Siding No
1980 165,000 Slate Shingles Roof 1,920 4 $500- $1000 Deductible 420 7 Wood siding No
1973 100,000 Composition Roof 1,260 3 $500- $1000 Deductible 120 3 Stucco siding yes
2007 185,000 Wood Shake Roof 1,930 3 $500- $1000 Deductible 180 3 Fiber-Cement Siding yes
1989 295,000 Tile Roof 3,320 4 > $10,000 Deductible 230 4 Wood siding yes
1973 130,000 Metal Roof 1,660 3 $500- $1000 Deductible 440 6 Stucco siding No
1980 150,000 Slate Shingles Roof 1,730 3 $2500-$5000 Deductible 310 7 Brick siding No
2012 450,000 Composition Roof 4,140 5 $500- $1000 Deductible 340 3 Stone Siding yes
1947 280,000 Wood Shake Roof 2,560 5 $2500-$5000 Deductible 500 7 Wood siding yes
2012 200,000 Asphalt Shingles Roof 2,140 5 $500- $1000 Deductible 160 2 Stucco siding No
1971 410,000 Shingles Roof 4,790 5 $500 Deductible 1140 8 Wood siding No
1990 445,000 Slate Shingles Roof 4,140 5 $2500-$5000 Deductible 1160 10 Wood siding No
2014 225,000 Membrane Roof 2,260 4 $2500-$5000 Deductible 490 9 Brick siding yes
2007 105,000 Membrane Roof 1,410 3 $500 Deductible 100 2 Fiber-Cement Siding yes
1943 155,000 Composition Roof 1,870 4 $500 Deductible 570 8 Fiber-Cement Siding yes
1979 315,000 Tile Roof 2,930 4 $2500-$5000 Deductible 280 3 Stone Siding yes
2007 355,000 Tile Roof 4,250 5 $1000-$2500 Deductible 120 1 Fiber-Cement Siding No
2009 140,000 Membrane Roof 1,620 5 $1000-$2500 Deductible 450 7 Stone Siding yes
2013 225,000 Composition Roof 3,110 4 > $10,000 Deductible 280 6 Fiber-Cement Siding yes
1941 425,000 Composition Roof 4,300 5 $2500-$5000 Deductible 560 4 Brick siding No
1940 185,000 Metal Roof 2,310 5 $1000-$2500 Deductible 790 10 Wood siding No
1996 355,000 Tile Roof 4,580 5 $5000 to $10,000 Deductible 480 4 Vinyl siding yes