Start Searching Home Insurance Quotes in 63117

Are you paying too much for homeowners insurance in 63117? If the answer is yes, you are not alone. Luckily, we can help you find a great policy in Saint Louis, 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 63117?

• 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 63117 home insurance quotes are just a click away. Simply click the "Get Multiple Quotes Now" button, verify your 63117 and get ready to save.

3 Easy Ways To Save Money In 63117

These three links will help you explore home insurance quotes in 63117 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 63117 Home Insurance Costs Rated: high!

The average price for a homeowners insurance policy in Saint Louis is roughly $1312. 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 63117 Homeowners Insurance Rates Right Now!

Average Building Cost Per Square Foot in 63117: $122

Average Square Footage in 63117: 2,186 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 63117 before you start any project. Saint Louis 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 63117 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 63117 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,186 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 Louis 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 63117 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.

Allstate Insurance - Edward V Ward

Allstate Insurance - Edward V Ward

Allstate Insurance Company - Matthew Stark

Allstate Insurance Companies

Farmers Insurance Keith L Kee Agent

Robert Mahon-Farmers Insurance

Household Data for 63117

The average number of homes in 63117 is around 4,662, there are an average of 2.07 per household. The average house value according to local real estate values is around $266,700. Please review the following demographics below for average income and media age.

• Homeowner’s Insurance Rates Spiking Over $3,000 a Year on Average Posted on Friday 19th September, 2025

  According to a recent report by The Zebra, the average homeowner is paying roughly $3,000 a year for homeowners insurance. Unfortunately, this is just the nationwide average, in many states premiums are dramatically higher for most homeowners.  According to the Zebra report, the most expensive states for homeowners insurance are: Nebraska: $7,920 Oklahoma: $7,426 Kansas: […]

• Homeowner’s Insurance Premiums Skyrocket: Forcing Homeowners to Consider Moving Posted on Thursday 11th September, 2025

  While states like Florida, California and Louisiana have seen climbing insurance costs for years due to severe weather, flooding and hurricanes, other states, Colorado and Illinois are good examples, are seeing climbing rates as well due to hailstorms and wildfires.  As homeowner’s insurance premiums skyrocket, for some policyholders, the math no longer makes sense forcing […]

• New Report Reveals Reasons Why Home Insurance Prices Increase Posted on Monday 8th September, 2025

  Owning a home is becoming harder to afford for many Americans, in many cases due to the high cost of homeowners insurance. A recent report found that energy companies are responsible for a large amount of the pollution that is leading to climate change and more extreme weather, wildfires and flooding.  A report recently released […]