Get multiple home insurance quotes in 38621. Our licensed 38621, MS agents are ready to serve you.

Compare 38621 Home Insurance Rates

Are you looking to easily compare home insurance prices online for your home in the 38621 area? The average homeowners premium in Mississippi for a standard homeowners policy is around $1,273/yr., paid annually through your mortgage provider if your home is not currently paid in full. A standard policy for your home is referred to as an HO-3 policy which is the most common homeowners policy. This type of policy covers all perils, but will exclude certain major perils like flood and earthquake damage. The exceptions are listed on your current policy so it is important to know what type of coverage you currently have so you can compare the best home insurance rates, companies and policy protection. In the 38621 zip code, the population size is around 1,436 with 538 currently occupied homeowners. Our online quoting process helps make it easy for you to shop and compare the best home insurance rates for your home in 38621.

Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes. Easily shop the best rates for Crenshaw, MS Homeowners Insurance. Compare companies, quotes, coverages and more.

Avg. MS RateDiscountsSavingsShop Rates
$1,674up to 40% off$670

38621 Home Insurance Average Premiums

Local 38621 homeowners insurance quotes comparison

$1023 /yr.

Shows Zip Code: 38621 lowest rates with discounts applied on average.

For the 38621, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$1023 /yr.
Average Coverage:$1273 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1573 /yr.

What is the average home insurance cost for a home in 38621?

  • • The average homeowners insurance premium paid annually for a home in 38621 is around $1273 per year.

What does it cost on average per month for home insurance in 38621?

  • • Homeowners in 38621 pay a monthly average cost per month around $106.00.

What kind of discount could I get if I combine my home and auto insurance together in 38621?

  • • Autoowners in 38621 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Crenshaw area, check out other zip codes nearby 38621.
Review average rates in another zip code:
38621 homeowners insurance rates

Home Replacement Cost Coverage in 38621

Average Building Cost Per Square Foot in 38621: $96

Location: Crenshaw, Mississippi (Panola County)

Average Square Footage in 38621: 606 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 38621 before you start any project. Crenshaw 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 38621 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 38621 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 606 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 Crenshaw 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.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$96606$58,200
Additional Upgrades & Added Features$120606$72,750
Major Home Updates or Advancements$144606$87,300

It's important to understand that when you estimate your replacement cost of your home in the 38621 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.

Best Homeowners Insurance Agencies in 38621

Best Home & Auto Insurance Agencies in 38621

Housing Demographics for 38621

Population Review for 38621 Zip Code

For the city of Crenshaw, the population within 38621 has increased to over 1,383 residents in population size. The current population total is 1,436. We have broken down the population based on race below. In 38621, there are over 714 in male population and 722 females.

PopulationValues
Total Population1,436
White Population476
Black Population907
Hispanic Population14
Asian Population0
Hawaiian Population0
Indian Population4
Other Population10
Male Population714
Female Population722
Population Estimate1383

Household Data for 38621

The average number of homes in 38621 is around 538, there are an average of 2.67 per household. The average house value according to local real estate values is around $58,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode538
Persons Per Household2.67
Average House Value$58,200
Income Per Household$31377
Median Age39.2
Median Age Male36.5
Median Age Female42.9
38621 DetailsValues
StateMS
State Full NameMississippi
City TypeP
City Alias Abbreviation
Area Code662
CityCrenshaw
City Alias NameCRENSHAW
CountyPanola
County FIPS107
State FIPS28
Time Zone6
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses16
Number Of Employees99
Business First Quarter Payroll792
Business Annual Payroll3130
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District02
Congressional LandArea15551.51
Delivery Residential518
Delivery Business35
Delivery Total730
Preferred Last Line KeyY13452
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyY13452
Land Area61.808000
Water Area0.057000
City Alias Code
City Mixed CaseCrenshaw
City Alias Mixed CaseCrenshaw
Box Count159
SFDU435
MFDU23
State ANSI28
County ANSI107
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number271820
Unique ZIP Name
SSA State County Code25530
Medicare CBSA Code99925
Medicare CBSA NameRural Areas in MS
Medicare CBSA TypeMicro
Market Rating Area ID6
County Mixed CasePanola

Mississippi Homeowners Insurance News & Information

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]