Start Searching Home Insurance Quotes in 63303

Are you paying too much for homeowners insurance in 63303? If the answer is yes, you are not alone. Luckily, we can help you find a great policy in Saint Charles, MO that provides all of the protection you need at a price that is affordable.

Our service doesn’t end with sending you quotes from 12 of the nations top insurance companies, our Missouri licensed agents will also advise you on every step of the process. They can review your coverage levels to make sure you are fully protected, answer any questions you have and perform a discount review.

Discounts are a major factor when shopping for insurance and can dramatically reduce your costs. Most insurers offer a variety of homeowners insurance discounts but here are few of the most common discounts in 63303?

• Bundling: Buying home, auto and life from one insurer will result in a big discount. Details vary but expect savings of up to 25 percent.
• Security System: Have a security system in your home or are installing one? You should qualify for a discount. Notify your insurer and ask for a home security system discount.
• Paperless Policy: Getting your policy and bills via email instead of in the mail reduces cost for your insurer and they pass some of the savings on to you.

Our service is always free so get started today. Free 63303 home insurance quotes are just a click away. Simply click the "Get Multiple Quotes Now" button, verify your 63303 and get ready to save.

3 Easy Ways To Save Money In 63303

These three links will help you explore home insurance quotes in 63303 zip code as well as provide data about the average cost of a policy in your particular area. This information can be used to verify you are getting a great price on your new policy.

Get Your 63303 Home Insurance Costs Rated: high!

The average price for a homeowners insurance policy in Saint Charles is roughly $1044. This average is for a standard HO-3 policy, which is the industry standard for a single family home. While an HO-3 policy will protect your home and possessions while also offering liability coverage, it does not protect against flood or earthquake damage.

If you live in a flood zone, a separate flood insurance policy will be required. Our quoting process, combined with our agents local knowledge ensures that you will have the protection you need for your home.

Get 63303 Homeowners Insurance Rates Right Now!

Average Building Cost Per Square Foot in 63303: $122

Average Square Footage in 63303: 1,989 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 63303 before you start any project. Saint Charles homeowners pay on average around $122 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 63303 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 63303 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,989 sq. ft. and the average cost to rebuild the home in this area is around $122 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Saint Charles area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

It's important to understand that when you estimate your replacement cost of your home in the 63303 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

American Family Insurance - Mike Jostedt

Allstate Insurance-John E. Knecht

Janet Andreae Vinciguerra Inc - State Farm Insurance Agent

Nationwide Insurance

Allstate Insurance-John E. Knecht

Shelley- J Rusty - State Farm Insurance Agent

Stellern- Mark R - State Farm Insurance Agent

Household Data for 63303

The average number of homes in 63303 is around 20,027, there are an average of 2.35 per household. The average house value according to local real estate values is around $242,600. Please review the following demographics below for average income and media age.

• 2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025

  Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance.  We thought it might be a good idea to look at some spring cleaning and maintenance […]

• Homeowners Now Use This Strategy To Save Money on Home Insurance. Is It a Good Idea? Posted on Wednesday 26th March, 2025

  According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone.  Data from the Intercontinental Exchange (ICE) showed […]

• Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025

  According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid.  Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]