Just Insurance
10089 W. Florissant Ave, Florissant, MO 63033
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Florissant households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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10089 W. Florissant Ave, Florissant, MO 63033
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209 Rue St Louis, Florissant, MO 63031
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2412 N Highway 67, Florissant, MO 63033
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Learn about insurance coverage options specific to Florissant residents.
Florissant homeowners pay $2,745/year for insurance. Learn about tornado coverage, costs, and how to protect your home in this North St. Louis suburb.
Car InsuranceGet the coverage you need in Florissant. Learn Missouri's 25/50/25 minimums, why I-270 commuters need more, and how to save on rates in St. Louis County.
General Insurance EducationComplete insurance guide for Florissant, Missouri. Learn why St. Louis metro rates run 65% higher, required coverage, flood risks, and how to save money.
Missouri law doesn't require homeowners insurance, but your mortgage lender will almost certainly require it as a condition of your loan. Even if you own your home outright, insurance is essential protection given Florissant's tornado risk and the area's history of severe weather damage.
Yes, tornado damage is covered under the wind/windstorm peril in standard homeowners policies. However, you may have a separate wind/hail deductible that's higher than your standard deductible—often 1-5% of your dwelling coverage amount. Make sure you understand your deductible structure before severe weather season.
The average annual premium for St. Louis area homeowners, including Florissant, is approximately $2,745 for a $250,000 dwelling policy. Your actual rate will vary based on your home's age, condition, your credit score, claims history, and coverage limits. Newer homes and higher credit scores typically result in lower premiums.
Standard homeowners policies exclude flood damage, so you'll need a separate flood insurance policy if you want that protection. While Florissant isn't a coastal city, flooding can occur during severe storms, especially in low-lying areas or near waterways. Check FEMA's flood maps to determine your risk level and whether your lender requires flood coverage.
Market value is what someone would pay to buy your home, while rebuild cost is what it would cost to completely reconstruct it from the ground up. Rebuild cost doesn't include the land value but does include current labor and material prices. In Florissant, rebuild costs typically range from $150-200 per square foot, which may be higher or lower than your home's market value of around $186,500.
The most effective strategies are bundling home and auto insurance (saves 15-25%), increasing your deductible, improving your credit score, installing monitored security systems or storm safety features, and avoiding small claims. Shopping around every few years also helps, as premiums can vary significantly between insurers for identical coverage.
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