Get multiple home insurance quotes in 38643. Our licensed 38643, MS agents are ready to serve you.

Check Out 38643 Home Insurance Rates

Shopping for homeowners insurance is never fun but at GetHomeInsuranceQuotes.com we make the process much easier. We will provide you with multiple quotes and coverage options for your home in Lambert, MS.

We will gather some basic information about your home in Lambert, MS and will then get to work and gather quotes from up to 12 nationwide home insurers who will provide their most competitive prices for your policy needs.

Our service is always free and we have a team of Mississippi licensed home insurance professionals who can walk you through your policy options as well as answer any questions you may have about rates or coverage levels. In addition they will do a discount review to make sure you are getting all of the discounts that you are entitled to receive.

If you are ready to start researching homeowner insurance rates in 38643 simply click the "Get Multiple Quotes Now" button.

Research Home Insurance Quotes in 38643

We have pulled together a variety of data related to homeowners insurance in Mississippi. Simply click on one of the links below to learn about the average cost of homeowners insurance in Mississippi as well as local coverage options.

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Lambert, MS home insurance quotes in your local city and review the most competitive coverages and premiums.

38643 Homeowners Insurance Rates, Average Rating: very high!

Homeowners insurance policies in 38643 include both property and casualty coverage which protects your home from a variety of risks which include but are not limited to fire, theft, vandalism, and wind damage. A standard homeowner policy also includes liability protection, which can come in handy if someone is injured on your property.

Unfortunately, flood and earthquake damage is not covered by a standard homeowners insurance policy so if you are located in a flood plain or high risk area, you will need a separate flood policy.

Regardless of what type of homeowners insurance you need, we can help you find a great policy at an affordable price. Data shows that for a standard homeowner policy in Mississippi is roughly $1254. In most cases, we can help you save up to 40 percent on your homeowner insurance costs.

Get started right now saving on your 38643 homeowners insurance policy!

38643 Home Insurance Average Premiums

Local 38643 homeowners insurance quotes comparison

$1004 /yr.

Shows Zip Code: 38643 lowest rates with discounts applied on average.

For the 38643, 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)
$1004 /yr.
Average Coverage:$1254 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1554 /yr.

What is the average home insurance cost for a home in 38643?

  • • The average homeowners insurance premium paid annually for a home in 38643 is around $1254 per year.

What does it cost on average per month for home insurance in 38643?

  • • Homeowners in 38643 pay a monthly average cost per month around $105.00.

What kind of discount could I get if I combine my home and auto insurance together in 38643?

  • • Autoowners in 38643 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 Lambert area, check out other zip codes nearby 38643.
Review average rates in another zip code:
38643 homeowners insurance rates

Home Replacement Cost Coverage in 38643

Average Building Cost Per Square Foot in 38643: $96

Location: Lambert, Mississippi (Quitman County)

Average Square Footage in 38643: 492 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 38643 before you start any project. Lambert 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 38643 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 38643 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 492 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 Lambert 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$96492$47,200
Additional Upgrades & Added Features$120492$59,000
Major Home Updates or Advancements$144492$70,800

It's important to understand that when you estimate your replacement cost of your home in the 38643 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 38643

Best Home & Auto Insurance Agencies in 38643

Housing Demographics for 38643

Population Review for 38643 Zip Code

For the city of Lambert, the population within 38643 has increased to over 1,008 residents in population size. The current population total is 1,948. We have broken down the population based on race below. In 38643, there are over 938 in male population and 1010 females.

PopulationValues
Total Population1,948
White Population360
Black Population1534
Hispanic Population10
Asian Population0
Hawaiian Population2
Indian Population1
Other Population3
Male Population938
Female Population1010
Population Estimate1008

Household Data for 38643

The average number of homes in 38643 is around 814, there are an average of 2.33 per household. The average house value according to local real estate values is around $47,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode814
Persons Per Household2.33
Average House Value$47,200
Income Per Household$19198
Median Age41.9
Median Age Male38.0
Median Age Female44.9
38643 DetailsValues
StateMS
State Full NameMississippi
City TypeP
City Alias Abbreviation
Area Code662
CityLambert
City Alias NameLAMBERT
CountyQuitman
County FIPS119
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 Businesses18
Number Of Employees58
Business First Quarter Payroll264
Business Annual Payroll1206
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 Residential433
Delivery Business7
Delivery Total836
Preferred Last Line KeyY13856
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyY13856
Land Area154.800000
Water Area1.214000
City Alias Code
City Mixed CaseLambert
City Alias Mixed CaseLambert
Box Count379
SFDU235
MFDU183
State ANSI28
County ANSI119
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number274082
Unique ZIP Name
SSA State County Code25590
Medicare CBSA Code99925
Medicare CBSA NameRural Areas in MS
Medicare CBSA TypeMicro
Market Rating Area ID6
County Mixed CaseQuitman

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 […]