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Lemay, MO Home Insurance Rates - What Drives It?

The variables explained here drive your Lemay, Missouri Home Insurance Rates & focusing on them can qualify you for a really cheap quote.

Replacement Value of your home in Lemay, MO is the biggest driver of your coverage & home insurance.

Here is a list of replacement costs & home insurance for Lemay, MO & nearby areas

Place Typical Home Size Replacement Cost Monthly Home Insurance Cost
Lemay 3 Beds, 2 Baths, 1210 sqft $134,000 $30
St. Clair, IL 2 Beds, 1 Bath, 1,670 sqft $166,000 $60
Oakdale, IL 3 Beds, 2 Baths, 1,640 sqft $94,000 $45
Eureka 2 Beds, 1 Bath, 1,550 sqft $171,000 $37
Truesdale 3 Beds, 2 Baths, 1,620 sqft $133,000 $49
St. Jacob, IL 2 Beds, 1 Bath, 1,760 sqft $153,000 $48
Sunset Hills 3 Beds, 1 Bath, 2,200 sqft $134,000 $70
Roxana, IL 2 Beds, 1 Bath, 1,190 sqft $77,000 $22
Bonne Terre 2 Beds, 1 Bath, 1,000 sqft $90,000 $32
Ellisville 2 Beds, 1 Bath, 1,380 sqft $135,000 $41
Breckenridge Hills 3 Beds, 2 Baths, 1,700 sqft $100,000 $55
Pierron, IL 3 Beds, 1 Bath, 1,380 sqft $73,000 $32
Lebanon, IL 3 Beds, 2 Baths, 2,350 sqft $283,000 $62
Mineral Point 2 Beds, 1 Bath, 1,000 sqft $69,000 $33
Gravois 3 Beds, 1 Bath, 1,910 sqft $221,000 $53
Miramiguoa Park 3 Beds, 2 Baths, 2,230 sqft $255,000 $52
Moscow Mills 3 Beds, 2 Baths, 1,240 sqft $137,000 $39
Albers, IL 2 Beds, 1 Bath, 1,530 sqft $132,000 $33
Warrenton 2 Beds, 1 Bath, 940 sqft $55,000 $19
St. John 2 Beds, 1 Bath, 1,470 sqft $126,000 $29
Steeleville, IL 3 Beds, 1 Bath, 1,990 sqft $186,000 $46

If your Lemay, MO home has prior claims, your insurance is likelier to be higher

Here are some typical claims filed in Lemay:

Claim Typical Claim Amount
HAIL $22,000
WIND $5,000
FIRE $87,500

Your Lemay, MO insurance agent (see examples below) can help with your claims.

  • Nationwide: Jerome Smart Agency, 889 s brentwood blvd ste 200, Saint Louis, MO, 63105-1878 (314) 282-2973
  • Liberty Mutual Independent: Sailor & Associates, 10371 w florissant ave ste 202, Saint Louis, MO, 63136 (314) 524-6300
  • Travelers: Missouri General Insurance Age, 1227 fern ridge pkwy saint louis, St Louis, MO, 63141
  • Farmers: Brian Nevois Lutcf, 815 lincoln hwy ste 108, Fairview Heights, IL, 62208 (618) 632-4790
  • Liberty Mutual: Anthony Dangelo", 12250 weber hill rd. ste 300, St. Louis, MO, 63127 1-314-843-0600

Your Background Impacts Your Home Insurance Quotes

Here is a list of Lemay, MO homeowners with differing backgrounds & their changing home insurance.

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Unemployed 600-649 Credit Score <$25,000 1 Pet, Smoker $130
Retired 550-599 Credit Score $25 to 50,000 2 Pets, Non-Smoker $280
Part Time Job 500-549 Credit Score <$25,000 3 Pets, Smoker $660