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Compare multiple home insurance rates for your home in Bay Saint Louis just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 6,369 neighbors looking to save on their home insurance policy in the local 39520 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 39520. 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 Bay Saint Louis, 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 Bay Saint Louis, MS
39520 Home Insurance Average Premiums
$952 /yr.
Shows Zip Code: 39520 lowest rates with discounts applied on average.
For the 39520, 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) | $952 /yr. |
| Average Coverage: | $1202 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1502 /yr. |
What is the average home insurance cost for a home in 39520?
- • The average homeowners insurance premium paid annually for a home in 39520 is around $1202 per year.
What does it cost on average per month for home insurance in 39520?
- • Homeowners in 39520 pay a monthly average cost per month around $100.00.
What kind of discount could I get if I combine my home and auto insurance together in 39520?
- • Autoowners in 39520 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 Bay Saint Louis area, check out other zip codes nearby 39520.
Review average rates in another zip code:
39520 homeowners insurance rates
Home Replacement Cost Coverage in 39520
Average Building Cost Per Square Foot in 39520: $96
Location: Bay Saint Louis, Mississippi (Hancock County)Average Square Footage in 39520: 1,780 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 39520 before you start any project. Bay Saint Louis 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 39520 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 39520 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,780 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 Bay Saint Louis 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $96 | 1,780 | $170,900 |
| Additional Upgrades & Added Features | $120 | 1,780 | $213,625 |
| Major Home Updates or Advancements | $144 | 1,780 | $256,350 |
It's important to understand that when you estimate your replacement cost of your home in the 39520 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 39520
American States Insurance
Address: 112 Court Street Bay Saint Louis, MS 39520Phone: (228)467-5662
Website:
Treutel Insurance Agency Inc
Address: 112 Court Street Bay Saint Louis, MS 39520Phone: (228)467-5662
Website: www.treutel.com
Paul Smith Insurance Agency
Address: 603 Highway 90 Bay Saint Louis, MS 39520Phone: (228)467-1152
Website:
Best Home & Auto Insurance Agencies in 39520
Treutel Insurance Agency Inc
Address: 112 Court St Bay St Louis, MS 39520Phone:
Website: http://www.treutel.com
Info:
Paul Smith Insurance Agency
Address: 603 Highway 90 Bay St Louis, MS 39520Phone:
Website:
Info:
Meyers- Michael W - State Farm Insurance Agent
Address: 835 Highway 90, Ste 16 Bay St Louis, MS 39520Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards
Valu Care
Address: 1166 Highway 90 Bay St Louis, MS 39520Phone:
Website:
Info:
Comeaux George H Jr Insurance
Address: 321 Shieldsboro Sq Bay St Louis, MS 39520Phone:
Website:
Info:
Housing Demographics for 39520
Population Review for 39520 Zip Code
For the city of Bay Saint Louis, the population within 39520 has increased to over 16,380 residents in population size. The current population total is 14,963. We have broken down the population based on race below. In 39520, there are over 7315 in male population and 7648 females.
| Population | Values |
|---|---|
| Total Population | 14,963 |
| White Population | 11441 |
| Black Population | 1983 |
| Hispanic Population | 654 |
| Asian Population | 180 |
| Hawaiian Population | 1 |
| Indian Population | 120 |
| Other Population | 208 |
| Male Population | 7315 |
| Female Population | 7648 |
| Population Estimate | 16380 |
Household Data for 39520
The average number of homes in 39520 is around 6,369, there are an average of 2.34 per household. The average house value according to local real estate values is around $170,900. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 6,369 |
| Persons Per Household | 2.34 |
| Average House Value | $170,900 |
| Income Per Household | $52301 |
| Median Age | 44.7 |
| Median Age Male | 43.4 |
| Median Age Female | 45.5 |
| 39520 Details | Values |
|---|---|
| State | MS |
| State Full Name | Mississippi |
| City Type | P |
| City Alias Abbreviation | BAY ST LOUIS |
| Area Code | 228 |
| City | Bay Saint Louis |
| City Alias Name | BAY SAINT LOUIS |
| County | Hancock |
| County FIPS | 045 |
| State FIPS | 28 |
| Time Zone | 6 |
| Day Light Saving | Y |
| MSA | 0920 |
| PMSA | |
| CSA | |
| CBSA | 25060 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Gulfport-Biloxi, MS |
| MSA_Name | Biloxi-Gulfport-Pascagoula, MS MSA |
| PMSA_Name | |
| Region | South |
| Division | East South Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 318 |
| Number Of Employees | 4064 |
| Business First Quarter Payroll | 38485 |
| Business Annual Payroll | 158467 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 248820 |
| CBSA Division Population | 0 |
| Congressional District | 04 |
| Congressional LandArea | 8044.48 |
| Delivery Residential | 7000 |
| Delivery Business | 486 |
| Delivery Total | 8721 |
| Preferred Last Line Key | Y13221 |
| Classification Code | |
| Multi-County | |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | Y13221 |
| Land Area | 96.925000 |
| Water Area | 5.278000 |
| City Alias Code | |
| City Mixed Case | Bay Saint Louis |
| City Alias Mixed Case | Bay Saint Louis |
| Box Count | 0 |
| SFDU | 6146 |
| MFDU | 640 |
| State ANSI | 28 |
| County ANSI | 045 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 270455 |
| Unique ZIP Name | |
| SSA State County Code | 25220 |
| Medicare CBSA Code | 25060 |
| Medicare CBSA Name | Gulfport-Biloxi, MS |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 5 |
| County Mixed Case | Hancock |
Mississippi Homeowners Insurance News & Information
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