What does your Home Insurance cost in MO?

[tenn or ozark bound]

MoMark, that's too bad about your property. Sounds like quite a mess to clean up. At least your house is ok. Will the trees that didn't fall recover with time?

I've been hearing about the ice storms in Missouri. How widespread was the damage? This weather is unusual for the area, isn't it? We are looking at the area south east of Springfield.

[topjb]

We own a home on Table rock lake near Shell Knob Mo. Because the house is rural and the fire dept. is more than 6 miles (more like 20 miles), our rates are high. My dad lives in the house and he is on the insurance so we get his discounts or it would be even higher. The house is about 1800 sq. feet and was built about 20 years ago (with a couple of rooms added in the last 10 years). Have no idea on appraisal, but I'm guessing the house itself would appraise around $150K. Our insurance is $1700/yr. We were told that if it were closer to a fire department or if we put in a water tower, the rates would go down by half.

[tenn or ozark bound]

That is high, topjb. Thanks for the information.

[MoMark]

Originally Posted by tenn or ozark bound

MoMark, that's too bad about your property. Sounds like quite a mess to clean up. At least your house is ok. Will the trees that didn't fall recover with time?

I've been hearing about the ice storms in Missouri. How widespread was the damage? This weather is unusual for the area, isn't it? We are looking at the area south east of Springfield.

Thanks for your sentiments! The trees are actually looking better now that the ice has fallen off them. The newscasters keep telling us not to cut any unnecessary trees yet until the sap rises in Spring as the arctic cold put the trees into deep hybernation and many may survive where they don't look so good right now.
Ice storms are fairly common, at least periods of freezing rain, but rarely anything heavy and almost never destructive. Everyone I know here, including elderly people who have lived here all their lives say they've never seen anything like it.
I think the problem lay in the unfortunate fact that this "storm" (which really wasn't a storm in a classic sense) unfolded over three days and the conditions were just right to cause the torrential rains to freeze on contact with anything on the ground or the trees or any contact surface. And yes, the devastation is everywhere. Springfield looks like it was hit by tornadoes and no matter where you go, the trees are wrecked. That's part of the shock...it's everywhere, not just a swath here or there.
But in the end, once everything is cleaned up, we'll have less leaves to rake in the fall and nicer lawns due to more sun getting through in the summer!

[tenn or ozark bound]

At least it is not likely to keep happening. Doesn't help with the current mess, but it's good news for the future.