Get Saint Charles, MO Home Insurance Rates!
Affordable homeowners insurance quotes near you within the city of Saint Charles, MO has never been easier with our comparitive rating system. We strive to help you save time and money by offering the most competitive rates for your home in Saint Charles. Let us help you shop up to 12 of the best rate quotes for homeowners insurance, plus we can help you review which coverage option is best. Our Missouri home insurance agents are ready to help you discover better rates with companies you trust. Get your Saint Charles home insurance rate quotes online today or Call 913-276-4017.
Popular Saint Charles Home Insurance Questions:
What is the total Saint Charles popluation?
The city limit population in Saint Charles, MO is around 65,794.
How many homes are in this location?
The total homes in the city of Saint Charles is 17,366 housing units.
What is the average Saint Charles income per family?
The average income in the Saint Charles area is around $79,613.
How much do the homes in Saint Charles cost?
The average value of a home in Saint Charles is estimated to be around $210,329.
What do Saint Charles homeowners pay on average for homeowners coverage?
Home insurance cost around $1,301 per year on average in the Saint Charles area, this average is based on a $200K real estate value with a standard HO-3 policy. We help you compare rates and coverage options so you can review the best rate and policy for your home.
What is a standard homeowners insurance policy in Saint Charles cover?
A standard home insurance polciy in Saint Charles, MO is commonly known as an HO-3 policy that covers damage from all perils except those that are not covered or excluded from your coverage, exclusions are clearly documented within your policy. For example, earthquake or flood insurance coverage is not part of a standard HO-3 policy. There are other types of policies that cover condos, landlord (rentals), tenant (renters) and historical home policies known as HO-8 policy.
From our most common questions above, you have read that a Saint Charles homeowners insurance policy can sound complicated, but the process of getting the right coverage does not have to be. We are here to help you shop the best homeowners insurance rates and answer any questions you have about which home insurance policy is best for you. Click to review Saint Charles, MO home insurance quotes today!
Compare Homeowners Insurance Rates in Saint Charles, MO!
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Home Insurance Rates by Zipcode in Saint Charles, MO
Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Saint Charles.
Saint Charles, MO Home Insurance Average Premiums
$784 /yr.
For the city of Saint Charles, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.
| Coverage Amount: | Annual Premium |
|---|---|
| 1800 sq. ft. or below (discounts applied) | $784 /yr. |
| Average Coverage: | $1034 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1334 /yr. |
What is the average home insurance cost for a home in Saint Charles, MO?
- • The average homeowners insurance premium paid annually for a home in Saint Charles is around $1034 per year.
What does it cost on average per month for home insurance in Saint Charles, MO?
- • Homeowners in Saint Charles pay an average cost per month around $86.00 for insurance coverage.
Saint Charles, MO - 2023 Housing Information
| Month | Current Home Value (2023) | Last Year Home Value (2022) |
|---|---|---|
| January | $287,298 | $269,132 |
| February | $287,896 | $273,152 |
| March | $289,304 | $277,572 |
| April | $290,795 | $281,893 |
Homeowners insurance will help cover the cost to repair or replace your Saint Charles home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:
- Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Saint Charles
- Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
- Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
- Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
- Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.
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Saving Money Tips on Saint Charles Home Insurance
A great way to save money on Saint Charles homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:
- Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
- Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
- Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
- Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.
Are you shopping for the best rate near or wihin the Saint Charles area? Check out what homeowners are paying on average for Missouri homeowners insurance.
Elevation Review for Coastal Wind or Flooding Risk
| Elevation | Details | Homeowners Tips |
|---|---|---|
| 521 ft. | This is the average home elevation in Saint Charles, MO | Did you know that the elevation in which your home resides is crucial to a home insurance policy because it determines the risk factor related to your home being in a flood zone. It is important to understand that your home is not covered for floods under a standard homeowners policy. You will need to speak with a local Missouri flood insurance agent about a flood insurance policy, please give us a call now at 888-620-1954. |
To get online quotes on your home and compare rates on home insurance premiums in Saint Charles, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Saint Charles County.
Missouri Homeowners Insurance News & Information
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$4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024
According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]
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I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024
According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]
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How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024
Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm. Understanding the different coverages that are available to homeowners is key to making sure you […]
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Homeowners Shopping Rates Due to Rise in Premiums Posted on Monday 23rd September, 2024
According to the recently released J.D. Power 2024 U.S. Home Insurance Study a nationwide rise in premiums has driven many customers to shop for new policies as their rates are now too high. “’The average shopping rate among home insurance customers has climbed to a record high of 6.8% through the second quarter of 2024, […]
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Where is it cheaper to rent than to buy a home in the United States? Posted on Thursday 5th September, 2024
According to a new study from Clever Real Estate, a St. Louis-based real estate company, monthly rent costs are actually cheaper than a monthly mortgage payment in 48 of the 50 most populous cities in the United States. Their analysis looked at mortgage principals, interest, taxes as well as homeowners insurance and they found that […]
Saint Charles, MO Dwelling Coverage Estimate
It is important to calculate your dwelling coverage for your home in Saint Charles so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.
Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.
What is the average replacement cost coverage in Saint Charles, MO?
- The average square footage in Saint Charles is around 1,724 Sq. Ft. which would cost you around $210,329 to replace the home if you base the home on the price to build per square foot of $122.
Minimum Replacement Cost Total: $210,329
Location: Saint Charles, Missouri (Saint Charles County)
Average Building Cost Per Square Foot in Saint Charles: $122 (low end)
Average Square Footage in Saint Charles: 1,724 Sq. Ft.
| Home Improvement Status | Price per Sq. Ft. | Dwelling Coverage |
|---|---|---|
| None or Very Minor Improvements | $122 | $210,329 |
| Some Additional Upgrades | $153 | $262,912 |
| Major Home Updates or Advancements | $183 | $315,494 |
The dwelling coverage is calculated by the average cost per square foot ($122) in Saint Charles, Missouri times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $381,250 (Media price to build of $153 x 2500 sq. ft.) to cover the cost to rebuild your new home.
What is the difference between actual cash value and replacement cost value?
Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:
Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.
Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.