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Cape Girardeau, MO Home Insurance Rates - What Impacts It?

Given here are some important aspects of your Cape Girardeau, Missouri Home Insurance that impact your rates & can support you in getting a great deal.

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

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

Place Typical Home Size Replacement Cost Monthly Home Insurance Cost
Cape Girardeau 4 Beds, 3 Baths, 3220 sqft $196,000 $84
Mill Creek, IL 3 Beds, 1 Bath, 1,750 sqft $165,000 $55
Six Mile, IL 2 Beds, 1 Bath, 1,730 sqft $132,000 $64
Goreville No. 1, IL 3 Beds, 1 Bath, 2,200 sqft $198,000 $53
Parma 3 Beds, 2 Baths, 2,300 sqft $162,000 $60
Ohio 3 Beds, 1 Bath, 1,320 sqft $111,000 $61
Wayne 2 Beds, 1 Bath, 950 sqft $90,000 $17
Harrison, IL 2 Beds, 1 Bath, 1,130 sqft $81,000 $40
Kinkaid, IL 2 Beds, 1 Bath, 1,210 sqft $145,000 $42
Energy, IL 2 Beds, 1 Bath, 1,750 sqft $108,000 $41
Pomona, IL 3 Beds, 1 Bath, 2,290 sqft $207,000 $73
Mississippi 2 Beds, 1 Bath, 1,140 sqft $136,000 $39
Jonesboro, IL 2 Beds, 1 Bath, 1,210 sqft $137,000 $37
Bardwell, KY 3 Beds, 2 Baths, 1,810 sqft $157,000 $40
Tywappity 4 Beds, 2 Baths, 2,730 sqft $263,000 $95
Fisk 2 Beds, 1 Bath, 1,350 sqft $104,000 $38
Lorance 4 Beds, 2 Baths, 3,100 sqft $263,000 $102
Makanda, IL 4 Beds, 1 Bath, 2,310 sqft $144,000 $66
Haywood City 3 Beds, 1 Bath, 1,770 sqft $111,000 $46
Rootwad 4 Beds, 3 Baths, 2,850 sqft $293,000 $69
Olive Branch, IL 2 Beds, 1 Bath, 1,040 sqft $71,000 $28

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

Here are some typical claims filed in Cape Girardeau:

Claim Typical Claim Amount
WIND $5,000
HAIL $22,000
THEFT/BURGLARY $2,500

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

  • Nationwide: Linda Basham Morton Agency, 1606 independence st ste 2, Cape Girardeau, MO, 63703 (573) 803-0624
  • Farmers: Chelsea Eaton, 1166 greenway dr ste b5, Jackson, MO, 63755 (573) 204-9070
  • Travelers: Paul Stuckey Insurance Agency, 112 park rd, Benton, MO, 63736 Phone: 573-334-2600
  • Liberty Mutual Independent: W E Walker - Lakenan Llc, 117 s broadview st, Cape Girardeau, MO, 63703 (573) 335-3307
  • State Farm: Bo Shantz, 1213 n kingshighway st ste b, Cpe Girardeau, MO, 63701-3563 573-651-3325

Your Background Impacts Your Home Insurance Quotes

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

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Part Time Job 500-549 Credit Score <$25,000 1 Pet, Smoker $340
Freelancer 550-599 Credit Score $75 to $100,000 No Pets, Non-Smoker $340
Retired 600-649 Credit Score <$25,000 2 Pets, Non-Smoker $130