Clark Insurance Agency
144 Clarkson Executive Park, Ellisville, MO 63011
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144 Clarkson Executive Park, Ellisville, MO 63011
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144 Clarkson Executive Park, Ellisville, MO 63011
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16024 Manchester Rd, Ste 200, Ellisville, MO 63011
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Learn about insurance coverage options specific to Ellisville residents.
Ellisville homeowners pay $2,745/year on average. Learn about tornado coverage, costs, and how to protect your St. Louis County home in 2026.
Car InsuranceEllisville drivers pay $3,594/year for auto insurance. Learn Missouri's 25/50/25 requirements, why I-44/I-270 location affects rates, and how to save.
General Insurance EducationComplete insurance guide for Ellisville, Missouri. Learn about auto requirements, home coverage, and protecting your assets in St. Louis County.
Missouri state law doesn't require homeowners insurance, but your mortgage lender will require it as a condition of your loan. Even if you own your home outright, going without coverage in an area with tornado risk would expose you to potentially catastrophic financial loss.
Yes, standard homeowners insurance policies in Missouri cover tornado damage, including wind damage and hail. However, your policy won't cover flood damage or earthquake damage unless you purchase separate coverage for those perils.
Ellisville homeowners typically pay around $2,745 annually for home insurance, which is close to the St. Louis metro average. Your actual cost depends on your home's value, coverage limits, deductible, credit score, and claims history. Premiums can range from about $1,600 for smaller homes to over $5,000 for larger properties with higher coverage limits.
If your home is near Kiefer Creek or other waterways, flood insurance is worth considering. Standard homeowners policies don't cover flood damage, and even areas not in official flood zones can experience flooding during severe storms. Flood insurance is a separate policy available through the National Flood Insurance Program or private insurers.
Your credit score significantly impacts your premium in Missouri. The difference between excellent credit and poor credit can cost you up to $3,483 more per year for the same coverage. Insurers use credit-based insurance scores to predict the likelihood of filing claims, so maintaining good credit can save you thousands over time.
Actual cash value pays you what your damaged property is worth today after depreciation, while replacement cost coverage pays to replace it with new items at current prices. Replacement cost coverage costs more but provides better protection. For example, if your 10-year-old roof is damaged, actual cash value might pay $5,000 while replacement cost could pay $15,000 to install a new roof.
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