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38745 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 38745? There are over 28 occupied homes in the 38745 area. With a population size of 72, it's not uncommon for residence of Grace, MS to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Mississippi is around $1,289 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 38745 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Grace, MS Home Insurance Rate Quotes

38745 Home Insurance Average Premiums

Local 38745 homeowners insurance quotes comparison

$1039 /yr.

Shows Zip Code: 38745 lowest rates with discounts applied on average.

For the 38745, 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)		$1039 /yr.
Average Coverage:$1289 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1589 /yr.

What is the average home insurance cost for a home in 38745?

  • • The average homeowners insurance premium paid annually for a home in 38745 is around $1289 per year.

What does it cost on average per month for home insurance in 38745?

  • • Homeowners in 38745 pay a monthly average cost per month around $107.00.

What kind of discount could I get if I combine my home and auto insurance together in 38745?

  • • Autoowners in 38745 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 Grace area, check out other zip codes nearby 38745.
Review average rates in another zip code:
38745 homeowners insurance rates

Home Replacement Cost Coverage in 38745

Average Building Cost Per Square Foot in 38745: $96

Location: Grace, Mississippi (Issaquena County)

Average Square Footage in 38745: 1,719 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 38745 before you start any project. Grace 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 38745 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 38745 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,719 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 Grace 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$961,719$165,000
Additional Upgrades & Added Features$1201,719$206,250
Major Home Updates or Advancements$1441,719$247,500

It's important to understand that when you estimate your replacement cost of your home in the 38745 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 38745

Best Home & Auto Insurance Agencies in 38745

Housing Demographics for 38745

Population Review for 38745 Zip Code

For the city of Grace, the population within 38745 has increased to over 0 residents in population size. The current population total is 72. We have broken down the population based on race below. In 38745, there are over 37 in male population and 35 females.

PopulationValues
Total Population72
White Population19
Black Population51
Hispanic Population1
Asian Population1
Hawaiian Population0
Indian Population0
Other Population0
Male Population37
Female Population35
Population Estimate0

Household Data for 38745

The average number of homes in 38745 is around 28, there are an average of 2.57 per household. The average house value according to local real estate values is around $165,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode28
Persons Per Household2.57
Average House Value$165,000
Income Per Household$89375
Median Age44.7
Median Age Male51.5
Median Age Female43.8
38745 DetailsValues
StateMS
State Full NameMississippi
City TypeZ
City Alias Abbreviation
Area Code601/662
CityGrace
City Alias NameGRACE
CountyIssaquena
County FIPS055
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 Businesses0
Number Of Employees0
Business First Quarter Payroll0
Business Annual Payroll0
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 Residential0
Delivery Business0
Delivery Total71
Preferred Last Line KeyY13673
Classification CodeP
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyY13673
Land Area10.452000
Water Area0.085000
City Alias Code
City Mixed CaseGrace
City Alias Mixed CaseGrace
Box Count65
SFDU0
MFDU0
State ANSI28
County ANSI055
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number273068
Unique ZIP Name
SSA State County Code25270
Medicare CBSA Code99925
Medicare CBSA NameRural Areas in MS
Medicare CBSA TypeMicro
Market Rating Area ID6
County Mixed CaseIssaquena

Mississippi Homeowners Insurance News & Information

  • 2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025

    While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future.  According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]

  • Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025

    Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]

  • Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024

    Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies.  Here are some common exclusions that could leave you […]