Home Insurance Quotes in 38614

Are you shopping for a cheaper homeowners insurance rate in 38614? Our rates are very competitive for homeowners living in Clarksdale, MS. Many homeowners located in the 38614 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our online quoting process is free to use and our Mississippi licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. If you are unsure which policy is best for you, then please contact us so we can help you understand what coverage package you need to protect your home in 38614. To get free 38614 home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 38614 zip code should appear in the zip code field ready to go. Shopping Clarksdale, MS Homeowners Insurance Rates is easy, just click, complete your online quoting application for the property address located in 38614 to review the best rate coverages.

Your 38614 Home Insurance Costs Is Rated: Very High!

For the great city of Clarksdale, the average home insurance premium paid annually is around $1249 for a standard HO-3 homeowners policy. It's important to know that you may need additional coverage like flood or earthquake insurance to cover your home. Most basic home insurance policies do not provide enough coverage to provide the risk and protection you need. Our Mississippi specific quoting application process is designed to meet the needs of the homeowner and we can provide the most competitive rates with enhanced coverage options. If you live in Clarksdale and need insurance on your home in the 38614 zip code, then it is important to use our service and easily discover more affordable homeowners insurance rates.

Get 38614 Homeowners Insurance Rates Now!

Average Building Cost Per Square Foot in 38614: $96

Average Square Footage in 38614: 793 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 38614 before you start any project. Clarksdale homeowners pay on average around $96 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 38614 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 38614 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 793 sq. ft. and the average cost to rebuild the home in this area is around $96 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 Clarksdale 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 38614 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.

Maclin James Insurance

Johnson J H & CO Inc

Mitchell CO Inc

Huggins David Insurance

Allstate Insurance Companies - Independent Agent- Clarksdale

State Farm Insurance - Clarksdale, MS

Johnson J H & CO Inc

Allstate Insurance Companies - Independent Agent- Clarksdale

Butler Insurance Group

Chrestman- Cyndi - State Farm Insurance Agent

Household Data for 38614

The average number of homes in 38614 is around 6,578, there are an average of 2.50 per household. The average house value according to local real estate values is around $76,100. Please review the following demographics below for average income and media age.

• 2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025

  Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance.  We thought it might be a good idea to look at some spring cleaning and maintenance […]

• Homeowners Now Use This Strategy To Save Money on Home Insurance. Is It a Good Idea? Posted on Wednesday 26th March, 2025

  According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone.  Data from the Intercontinental Exchange (ICE) showed […]

• Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025

  According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid.  Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]