Get multiple home insurance quotes in 38954. Our licensed 38954, MS agents are ready to serve you.

38954 Online Home Insurance Rates

Comparing a bunch of different rates for your home in 38954 is very time consuming. At GetHomeInsuranceQuotes.com, we help you shop and compare up to 12 major top-rated A.M. Best companies, to present the most affordable rates for homeowners living in Sidon, MS. Not only do we provide free comparitive rates, but we also answer any questions you have and offer a free consultation process to help you decide which coverage option is best for you. Most of the time, we can add up to 40% more in savings by applying all the discounts and credits, like a home/auto package, security alarm, new roof upgrade or even deadbolts. It's easy to shop with us, we have already partnered with the most competitive home insurance companies in the 38954 area. If you enter your zip code, you can easily begin the online quoting process, it only takes a few minutes. If you would like to give us a call now at 1-855-976-2656 we will be happy to hear from you.

If you would like to review more information on home insurance premiums in Mississippi, like average Sidon homeowners insurance rates, coverage options or home insurance types, please select Sidon, MS Home Insurance Rates Online!

38954 Home Insurance Average Premiums

Local 38954 homeowners insurance quotes comparison

$982 /yr.

Shows Zip Code: 38954 lowest rates with discounts applied on average.

For the 38954, 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 38954?

  • • The average homeowners insurance premium paid annually for a home in 38954 is around $1232 per year.

What does it cost on average per month for home insurance in 38954?

  • • Homeowners in 38954 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 38954?

  • • Autoowners in 38954 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 Sidon area, check out other zip codes nearby 38954.
Review average rates in another zip code:
38954 homeowners insurance rates

Home Replacement Cost Coverage in 38954

Average Building Cost Per Square Foot in 38954: $96

Location: Sidon, Mississippi (Carroll County)

Average Square Footage in 38954: 657 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 38954 before you start any project. Sidon 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 38954 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 38954 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 657 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 Sidon 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$96657$63,100
Additional Upgrades & Added Features$120657$78,875
Major Home Updates or Advancements$144657$94,650

It's important to understand that when you estimate your replacement cost of your home in the 38954 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 38954

Best Home & Auto Insurance Agencies in 38954

Housing Demographics for 38954

Population Review for 38954 Zip Code

For the city of Sidon, the population within 38954 has increased to over 1,117 residents in population size. The current population total is 1,086. We have broken down the population based on race below. In 38954, there are over 518 in male population and 568 females.

PopulationValues
Total Population1,086
White Population345
Black Population658
Hispanic Population71
Asian Population2
Hawaiian Population0
Indian Population0
Other Population61
Male Population518
Female Population568
Population Estimate1117

Household Data for 38954

The average number of homes in 38954 is around 435, there are an average of 2.50 per household. The average house value according to local real estate values is around $63,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode435
Persons Per Household2.50
Average House Value$63,100
Income Per Household$0
Median Age34.5
Median Age Male33.6
Median Age Female35.3
38954 DetailsValues
StateMS
State Full NameMississippi
City TypeP
City Alias Abbreviation
Area Code662
CitySidon
City Alias NameSIDON
CountyCarroll
County FIPS015
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 Businesses9
Number Of Employees213
Business First Quarter Payroll2083
Business Annual Payroll8687
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 Residential447
Delivery Business10
Delivery Total573
Preferred Last Line KeyY14400
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyY14400
Land Area64.716000
Water Area3.340000
City Alias Code
City Mixed CaseSidon
City Alias Mixed CaseSidon
Box Count109
SFDU223
MFDU0
State ANSI28
County ANSI015
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number277475
Unique ZIP Name
SSA State County Code25070
Medicare CBSA Code99925
Medicare CBSA NameRural Areas in MS
Medicare CBSA TypeMicro
Market Rating Area ID6
County Mixed CaseCarroll

Mississippi Homeowners Insurance News & Information

  • North Carolina Homeowners’ Insurance Premiums May See a 15% Increase Posted on Thursday 23rd January, 2025

    The base rate for North Carolina homeowners insurance will be headed up by an average of 15% by the middle of 2026. The rate increases are part of a settlement that was reached with the insurance industry by the North Carolina Insurance Department. The state Insurance Commissioner Mike Causey recently announced the rate increase agreement […]

  • 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 […]