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Home Insurance Rates in 38941

For homeowners shopping online in 38941, our insurance rates are very competitive for homeowners living in Itta Bena, MS. Many homeowners based out of the great city of Itta Bena 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 38941, simply click the "Get Multiple Quotes Now" button. Your 38941 should appear in the zip code field ready to go. We only need some basic home information to start running multiple quotes for you. Itta Bena, MS Home Insurance Rate Quotes are available for you, we easily review and compare multiple coverage and rate options.

38941 Home Insurance Rating is: Very High!

If you live in 38941, you can easily save up to 40% off the average home insurance premium of $1232 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 Itta Bena 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 38941 today!

Get Multiple Home Insurance Rates in 38941!

38941 Home Insurance Average Premiums

Local 38941 homeowners insurance quotes comparison

$982 /yr.

Shows Zip Code: 38941 lowest rates with discounts applied on average.

For the 38941, 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)
$982 /yr.
Average Coverage:$1232 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1532 /yr.

What is the average home insurance cost for a home in 38941?

  • • The average homeowners insurance premium paid annually for a home in 38941 is around $1232 per year.

What does it cost on average per month for home insurance in 38941?

  • • Homeowners in 38941 pay a monthly average cost per month around $103.00.

What kind of discount could I get if I combine my home and auto insurance together in 38941?

  • • Autoowners in 38941 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 Itta Bena area, check out other zip codes nearby 38941.
Review average rates in another zip code:
38941 homeowners insurance rates

Home Replacement Cost Coverage in 38941

Average Building Cost Per Square Foot in 38941: $96

Location: Itta Bena, Mississippi (Leflore County)

Average Square Footage in 38941: 782 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 38941 before you start any project. Itta Bena 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 38941 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 38941 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 782 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 Itta Bena 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$96782$75,100
Additional Upgrades & Added Features$120782$93,875
Major Home Updates or Advancements$144782$112,650

It's important to understand that when you estimate your replacement cost of your home in the 38941 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 38941

Best Home & Auto Insurance Agencies in 38941

Housing Demographics for 38941

Population Review for 38941 Zip Code

For the city of Itta Bena, the population within 38941 has increased to over 3,256 residents in population size. The current population total is 4,004. We have broken down the population based on race below. In 38941, there are over 2033 in male population and 1971 females.

PopulationValues
Total Population4,004
White Population391
Black Population3374
Hispanic Population190
Asian Population10
Hawaiian Population0
Indian Population4
Other Population166
Male Population2033
Female Population1971
Population Estimate3256

Household Data for 38941

The average number of homes in 38941 is around 1,516, there are an average of 2.40 per household. The average house value according to local real estate values is around $75,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,516
Persons Per Household2.40
Average House Value$75,100
Income Per Household$28056
Median Age31.8
Median Age Male25.8
Median Age Female38.8
38941 DetailsValues
StateMS
State Full NameMississippi
City TypeP
City Alias Abbreviation
Area Code662
CityItta Bena
City Alias NameITTA BENA
CountyLeflore
County FIPS083
State FIPS28
Time Zone6
Day Light SavingY
MSA
PMSA
CSA
CBSA24900
CBSA_DIV
CBSA_TypeMicro
CBSA_NameGreenwood, MS
MSA_Name
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses35
Number Of Employees925
Business First Quarter Payroll7580
Business Annual Payroll31350
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population42914
CBSA Division Population0
Congressional District02
Congressional LandArea15551.51
Delivery Residential1357
Delivery Business51
Delivery Total1806
Preferred Last Line KeyY13797
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyY13797
Land Area105.866000
Water Area1.200000
City Alias Code
City Mixed CaseItta Bena
City Alias Mixed CaseItta Bena
Box Count375
SFDU755
MFDU464
State ANSI28
County ANSI083
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationC
Finance Number273757
Unique ZIP Name
SSA State County Code25410
Medicare CBSA Code99925
Medicare CBSA NameRural Areas in MS
Medicare CBSA TypeMicro
Market Rating Area ID6
County Mixed CaseLeflore

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 […]