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Home Insurance Rates in 38862

For homeowners shopping online in 38862, our insurance rates are very competitive for homeowners living in Plantersville, MS. Many homeowners based out of the great city of Plantersville have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Mississippi licensed agents can provide a free consultation service to you that allows you to ask questions about which rates and coverage options are best suited for you and your family. To get free home insurance quotes in 38862, simply click the "Get Multiple Quotes Now" button. Your 38862 should appear in the zip code field ready to go. We only need some basic home information to start running multiple quotes for you. Plantersville, MS Home Insurance Rate Quotes are available for you, we easily review and compare multiple coverage and rate options.

38862 Home Insurance Rating is: Very High!

If you live in 38862, you can easily save up to 40% off the average home insurance premium of $1280 a year by letting us help you compare the best rate and coverage option for your home. We can compare up to 12 major top rated home insurance companies all at once. We also will do a professional analysis to determine which coverage is best suited to cover the risk that you need. Home insurance in Plantersville can come in a variety of different packages, it's important to understand which homeowners policy is best. Let us help you compare home insurance rates in 38862 today!

Get Multiple Home Insurance Rates in 38862!

38862 Home Insurance Average Premiums

Local 38862 homeowners insurance quotes comparison

$1030 /yr.

Shows Zip Code: 38862 lowest rates with discounts applied on average.

For the 38862, 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)
$1030 /yr.
Average Coverage:$1280 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1580 /yr.

What is the average home insurance cost for a home in 38862?

  • • The average homeowners insurance premium paid annually for a home in 38862 is around $1280 per year.

What does it cost on average per month for home insurance in 38862?

  • • Homeowners in 38862 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 38862?

  • • Autoowners in 38862 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 Plantersville area, check out other zip codes nearby 38862.
Review average rates in another zip code:
38862 homeowners insurance rates

Home Replacement Cost Coverage in 38862

Average Building Cost Per Square Foot in 38862: $96

Location: Plantersville, Mississippi (Lee County)

Average Square Footage in 38862: 948 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 38862 before you start any project. Plantersville 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 38862 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 38862 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 948 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 Plantersville 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$96948$91,000
Additional Upgrades & Added Features$120948$113,750
Major Home Updates or Advancements$144948$136,500

It's important to understand that when you estimate your replacement cost of your home in the 38862 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 38862

Best Home & Auto Insurance Agencies in 38862

Housing Demographics for 38862

Population Review for 38862 Zip Code

For the city of Plantersville, the population within 38862 has increased to over 2,355 residents in population size. The current population total is 2,271. We have broken down the population based on race below. In 38862, there are over 1114 in male population and 1157 females.

PopulationValues
Total Population2,271
White Population1474
Black Population708
Hispanic Population46
Asian Population2
Hawaiian Population1
Indian Population3
Other Population28
Male Population1114
Female Population1157
Population Estimate2355

Household Data for 38862

The average number of homes in 38862 is around 1,010, there are an average of 2.21 per household. The average house value according to local real estate values is around $91,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,010
Persons Per Household2.21
Average House Value$91,000
Income Per Household$47203
Median Age46.6
Median Age Male45.1
Median Age Female48.9
38862 DetailsValues
StateMS
State Full NameMississippi
City TypeP
City Alias Abbreviation
Area Code662
CityPlantersville
City Alias NamePLANTERSVILLE
CountyLee
County FIPS081
State FIPS28
Time Zone6
Day Light SavingY
MSA
PMSA
CSA539
CBSA46180
CBSA_DIV
CBSA_TypeMicro
CBSA_NameTupelo, MS
MSA_Name
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses22
Number Of Employees129
Business First Quarter Payroll1035
Business Annual Payroll5161
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population136268
CBSA Division Population0
Congressional District01
Congressional LandArea10572.8
Delivery Residential1066
Delivery Business9
Delivery Total1352
Preferred Last Line KeyY14231
Classification Code
Multi-County
CSA NameTupelo-Corinth, MS
CBSA_DIV_Name
City State KeyY14231
Land Area29.769000
Water Area0.067000
City Alias Code
City Mixed CasePlantersville
City Alias Mixed CasePlantersville
Box Count213
SFDU1012
MFDU54
State ANSI28
County ANSI081
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number276318
Unique ZIP Name
SSA State County Code25400
Medicare CBSA Code99925
Medicare CBSA NameRural Areas in MS
Medicare CBSA TypeMicro
Market Rating Area ID2
County Mixed CaseLee

Mississippi Homeowners Insurance News & Information

  • 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 […]

  • 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 […]