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Compare 38878 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Vardaman just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 1,012 neighbors looking to save on their home insurance policy in the local 38878 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 38878. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Mississippi rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Vardaman, MS home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Vardaman, MS

38878 Home Insurance Average Premiums

Local 38878 homeowners insurance quotes comparison

$1004 /yr.

Shows Zip Code: 38878 lowest rates with discounts applied on average.

For the 38878, 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 38878?

  • • The average homeowners insurance premium paid annually for a home in 38878 is around $1254 per year.

What does it cost on average per month for home insurance in 38878?

  • • Homeowners in 38878 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 38878?

  • • Autoowners in 38878 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 Vardaman area, check out other zip codes nearby 38878.
Review average rates in another zip code:
38878 homeowners insurance rates

Home Replacement Cost Coverage in 38878

Average Building Cost Per Square Foot in 38878: $96

Location: Vardaman, Mississippi (Calhoun County)

Average Square Footage in 38878: 669 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 38878 before you start any project. Vardaman 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 38878 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 38878 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 669 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 Vardaman 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$96669$64,200
Additional Upgrades & Added Features$120669$80,250
Major Home Updates or Advancements$144669$96,300

It's important to understand that when you estimate your replacement cost of your home in the 38878 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 38878

Best Home & Auto Insurance Agencies in 38878

Housing Demographics for 38878

Population Review for 38878 Zip Code

For the city of Vardaman, the population within 38878 has increased to over 2,987 residents in population size. The current population total is 2,557. We have broken down the population based on race below. In 38878, there are over 1241 in male population and 1316 females.

PopulationValues
Total Population2,557
White Population1619
Black Population458
Hispanic Population463
Asian Population4
Hawaiian Population0
Indian Population7
Other Population354
Male Population1241
Female Population1316
Population Estimate2987

Household Data for 38878

The average number of homes in 38878 is around 1,012, there are an average of 2.53 per household. The average house value according to local real estate values is around $64,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,012
Persons Per Household2.53
Average House Value$64,200
Income Per Household$39604
Median Age40.4
Median Age Male39.0
Median Age Female42.9
38878 DetailsValues
StateMS
State Full NameMississippi
City TypeP
City Alias Abbreviation
Area Code662
CityVardaman
City Alias NameVARDAMAN
CountyCalhoun
County FIPS013
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 Businesses29
Number Of Employees367
Business First Quarter Payroll2351
Business Annual Payroll10974
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 District01
Congressional LandArea10572.8
Delivery Residential1181
Delivery Business34
Delivery Total1382
Preferred Last Line KeyY14565
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyY14565
Land Area87.158000
Water Area0.053000
City Alias Code
City Mixed CaseVardaman
City Alias Mixed CaseVardaman
Box Count138
SFDU1131
MFDU24
State ANSI28
County ANSI013
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number278658
Unique ZIP Name
SSA State County Code25060
Medicare CBSA Code99925
Medicare CBSA NameRural Areas in MS
Medicare CBSA TypeMicro
Market Rating Area ID6
County Mixed CaseCalhoun

Mississippi Homeowners Insurance News & Information

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