Washington Insurance Rates:

Washington, MO homeowners insurance is about $812 to $1,103, about $67-$91/month. Our thorough guide reveals consumers can save upto $382 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Latest Home Insurance Reviews

Shelter
I WOULD RECOMMEND IT TO MY RELATIVES AND MY ALL FRIENDS AND OTHERS
Allstate
Our insurance company makes you pay the bank fee for them to update the value of your home's coverage.
Allstate
Allstate insurance does have a few drawbacks. i have not received bills on time and this causes concerns about coverage.
Nationwide
I appreciate that there are a few discounts based on lifestyle and circumstances that can be applied to my plan.
Nationwide
Again... Customer service has been wonderful. I can't say this enough. I don't know if other Nationwide agents are as attentive, friendly, and professional as mine, but if they are, I would recommend Nationwide to anyone.
State Farm
Even with the discounts, it's on the high end. We stick with them because we've had very good claims service.
Farmer's Insurance
The premium is not much cheaper than premiums from other companies with similar coverage but it is cheaper. The hurricane insurance deductible is lower than other companies we looked at
Farmer's Insurance
They changed my premium after not being able to verify a new roof without telling me it was needed first.
Progressive
I have nothing negative to say other than my homeowner's rate could be a bit lower overall. I have never had a claim against it and it went up this year.
State Farm
I would recommend State Farm as they have excellent customer service. I don't have to wait on the phone for long periods of time to reach a LIVE person.
Amica Mutual Insurance
Amica has done well in responses and generally providing service. I have never had to make a claim but think they would be responsive there as well.
Allstate
I would 100% recommend this company to anyone at any time. If you want good people, with fair rates and loyalty then this is the place for you.

Washington, MO Homeowners Insurance By Home Value

Washington, MO Home Value Total Homes % of Total Average Washington, MO Homeowners Insurance
Less than $50,000 2,724 14.0% $229
$50,000 to $59,999 954 5.0% $478
$60,000 to $69,999 1,383 7.0% $602
$70,000 to $79,999 1,264 6.0% $689
$80,000 to $89,999 1,545 8.0% $784
$90,000 to $99,999 1,253 6.0% $880
$100,000 to $124,999 2,403 13.0% $1014
$125,000 to $149,999 1,777 9.0% $1272
$150,000 to $174,999 1,968 10.0% $1502
$175,000 to $199,999 878 4.0% $1741
$200,000 to $249,999 1,138 6.0% $2086
$250,000 to $299,999 696 3.0% $2555
$300,000 to $399,999 410 2.0% $3244

Top Home Insurance Agents Near Washington, MO

Home Insurance Company Near Washington, MO Homeowners Insurance Agency Near Washington, MO Address
NA Vg Lippincott Insurance P O Box 246, Albany, MO, 64402
NA Reilly Company, The 608 Delaware, Leavenworth, KS, 66048
Liberty Mutual Independent Hays Group Inc 1200 MAIN ST STE 2310, KANSAS CITY, MO, 64105
Farmers Timothy Eylar 312 Commercial St Ste 1, Atchison, KS, 66002
Travelers White Grego And White Insurance Agency 8002 N Oak Trafficway Ste 101 Kansas City, Kansas City, MO, 64118

Washington, MO Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Washington, MO

Streets in Washington Area Homeowners Insurance Cost
Packers Ave, Dartmoor Dr, Wyoming St, W Circle Dr, Goff Ave, N 31st St, Stockyards Expy, Allen St, Kimbrough, County Line Rd NE$929
S 19th St, McDonald St, Smith St, Co Rd 202, College Ln, Co Rd 361, S 29th St, Serve Ct, N 49th Ter, McArthur Dr$937
Cougar Rd, Shirley Dr, W Chestnut St, Hampton Rd SE, Safari Dr, Co Rd 169, I- 29, S 7th St, NE Maxwell Rd, W Haverill Ct$993
Lake Ave, Co Rte 235, Seymour St, S Leonard Rd, Crockett Rd, N 35th St, Co Rd 52, E Auguste St, SW Lower Lake Rd, Harbor Pointe Dr$967
Co Rd 53, Croydon St, W Valley St, Co Rte 240, Bay Point Dr, Bermond Rd SE, Leonard Rd, Oak Ridge Cir, St Joseph Ave, Jones St$999
Eastwood Ct, Oberlin St, Village Dr, SW Old North Rd, McArthur Dr, Meadow Ridge Dr, Alpha Ln, N 24th St, State Hwy D, Co Rd 90$955
W Colorado Ave, Powers Dr, Court Ter, Ridenbaugh St, N 34th Ter, NE Hurlingen Rd, Hill Pine Dr, Green Valley Rd, Oak Hill Dr, Crabapple Rd SE$1,001
Sanctuary Trl, Covington Ct, Basil Dr, Co Rte 5, 68th Rd SE, Arbor Lake Dr, Linwood Dr, Bond St, Schoolside Ln, E Haverill St$990
Main Ter, Elijah St, S 40th St, Renick St, Cambridge St, Mackenzie Ter, Co Rte 220, Abersold Ln, Co Rd 280, S 11th St$959
W Market St, Ferndale Ave, Mayfair Dr, Pitts Rd SW, Holman St, Poplar St, Bell Rd, E Florence Rd, Mackenzie Dr, 9th St$931

Washington, MO Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Washington$143 to $146
St. Joseph$143
Elwood$142
Country Club$150

Washington, 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
St. Joseph city, Missouri $120 $159 $239
Elwood city, Kansas $119 $158 $237
Country Club village, Missouri $125 $167 $250

Washington, 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
Washington, MO7.7%23.1%
St. Joseph7.76%23.09%
Elwood8.91%24.82%
Country Club5.62%17.96%

Washington Renters Insurance as a Percentage of Rent

Washington 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 $299 451 4.0% $803
$300 to $499 1,404 13.0% $1253
$500 to $749 4,180 41.0% $1928
$750 to $999 2,610 25.0% $2678
$1,000 to $1,499 968 9.0% $3803
$1,500 or more 247 2.0% $5453

Washington, MO Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$900$1,900
Yearly Washington Homeowner Insurance Premium Example $900$700
Out of Pocket Expense During Claim$900$1,900
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $8,100$7,500
Net Savings to Washington Home Owner from High Deductible Plan $600

Washington, MO Home Insurance Costs With Home Replacement Value Scenarios

Scenario Washington, MO Home Replacement Value MORE than Home Value Washington, MO Home Replacement Value LESS than Home Value
Replacement Value $110,500 $82,500
Insurance Premium based on Replacement Value $675 $500
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $17,000 Risk Exposure from Under Insuring Coverage is $11,000
Premium Impact Insurance cheaper by $75/year Insurance costlier by $100/year

Example Washington Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceGEICO InsuranceAmica Mutual Insurance Company
Monthly Premium 319625
Year Built 194719631970
Home Details 3 Beds, 2 Baths5 Beds, 2 Baths2 Beds, 1 Baths
Coverage Amount $100000-$125000$250000-$300000$50000-$75000
Deductible $2500-$5000 Deductible$500 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1961 130,000 Tile Roof 1,800 5 $500 Deductible 230 4 Stone Siding No
1975 80,000 Shingles Roof 1,070 2 $500- $1000 Deductible 180 8 Fiber-Cement Siding No
1982 125,000 Tile Roof 1,700 5 $2500-$5000 Deductible 290 7 Stone Siding yes
1982 125,000 Membrane Roof 1,540 2 $500 Deductible 130 3 Stucco siding yes
1948 230,000 Shingles Roof 2,830 4 $500- $1000 Deductible 820 8 Brick siding No
1989 110,000 Membrane Roof 1,890 4 $2500-$5000 Deductible 270 9 Fiber-Cement Siding yes
1971 220,000 Tile Roof 3,280 5 > $10,000 Deductible 380 6 Stucco siding yes
1985 95,000 Composition Roof 1,330 2 $500- $1000 Deductible 130 4 Stone Siding yes
1972 125,000 Shingles Roof 1,610 2 $500 Deductible 400 9 Vinyl siding No
1982 100,000 Metal Roof 1,280 3 $500- $1000 Deductible 50 1 Vinyl siding No
1980 115,000 Membrane Roof 1,730 2 $2500-$5000 Deductible 80 3 Brick siding yes
1965 155,000 Membrane Roof 2,420 4 $500 Deductible 150 3 Brick siding No
1972 230,000 Asphalt Shingles Roof 3,220 4 $2500-$5000 Deductible 630 6 Vinyl siding No
1942 140,000 Wood Shake Roof 2,010 3 $500 Deductible 410 9 Brick siding yes
1976 90,000 Asphalt Shingles Roof 1,440 3 $500- $1000 Deductible 110 3 Stucco siding yes
1941 120,000 Shingles Roof 1,520 2 $500- $1000 Deductible 400 8 Stone Siding yes
1964 255,000 Slate Shingles Roof 2,950 4 $5000 to $10,000 Deductible 270 5 Stucco siding No
1961 65,000 Composition Roof 1,030 2 $500- $1000 Deductible 150 6 Stone Siding No
1971 150,000 Slate Shingles Roof 2,240 3 $500 Deductible 720 12 Wood siding yes
1974 75,000 Tile Roof 1,270 2 $1000-$2500 Deductible 150 5 Brick siding No
1974 120,000 Membrane Roof 1,590 3 $500 Deductible 360 7 Stone Siding yes
1989 230,000 Membrane Roof 3,370 4 > $10,000 Deductible 200 3 Wood siding yes
1965 115,000 Composition Roof 1,470 2 $1000-$2500 Deductible 150 3 Vinyl siding yes
1985 125,000 Slate Shingles Roof 2,120 3 $500 Deductible 340 7 Stucco siding yes
1968 100,000 Composition Roof 1,700 4 $2500-$5000 Deductible 320 9 Stucco siding No
1943 155,000 Composition Roof 2,710 5 $500 Deductible 650 10 Stone Siding yes
1973 95,000 Tile Roof 1,180 2 $500 Deductible 400 9 Stone Siding yes
1966 245,000 Composition Roof 3,930 5 $1000-$2500 Deductible 350 3 Stone Siding No
1972 120,000 Composition Roof 1,570 3 $500- $1000 Deductible 150 3 Wood siding No
1987 115,000 Metal Roof 1,940 3 $2500-$5000 Deductible 210 5 Vinyl siding No
1963 325,000 Wood Shake Roof 4,970 5 $500 Deductible 440 4 Vinyl siding No
1968 240,000 Metal Roof 2,950 4 $500 Deductible 90 1 Brick siding No
1942 155,000 Slate Shingles Roof 1,840 4 $500 Deductible 930 10 Brick siding yes
1976 165,000 Metal Roof 2,090 3 $1000-$2500 Deductible 570 8 Stucco siding yes

How To Make Your Washington, MO Home Insurance Cheaper

How Much Does Washington, MO Home Insurance Cost?