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Searching for Homeowners Insurance in 39762
If you are a homeowners that lives in 39762 you may be searching for more affordable homeowners insurance in Mississippi State. Insurance rates can change on a yearly basis so if your current insurer has raised your rates recently it may be time to shop your coverage and we can help.
GetHomeInsuranceQuotes.com makes shopping your insurance policy quick and easy for residents of Mississippi State, MS. All you have to do is enter a bit of information about your home and we will gather 12 quotes from nationwide insurers, making sure that you get the best coverage levels and rates available.
Our Mississippi licensed agents will provide a free consultation to make sure you are fully protected as well as answer any questions you may have about policy options. Insurance can be complicated so it pays to have a professional walk you through your various policy choices. As always, our service is free.
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You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Mississippi State, MS home insurance quotes in your local city and review the most competitive coverages and premiums.
Check Out 39762 Home Insurance Costs: very high!
In Mississippi State, homeowners are paying roughly $1289 per year for a HO-3 policy which is considered the standard for a single family home. In order to find the best policy at the best price, we compare rates from some of the most competitive insurers and present you with your best options for homeowners insurance coverage in 39762 zip code.
Our service is free and we never spam our clients so you only receive the information that you request. While all situations are different, in most cases, homeowners in Mississippi State are saving up to 40 percent on their policy costs by using GetHomeInsuranceQuotes.com.
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39762 Home Insurance Average Premiums
$1039 /yr.
Shows Zip Code: 39762 lowest rates with discounts applied on average.
For the 39762, 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) | $1039 /yr. |
| Average Coverage: | $1289 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1589 /yr. |
What is the average home insurance cost for a home in 39762?
- • The average homeowners insurance premium paid annually for a home in 39762 is around $1289 per year.
What does it cost on average per month for home insurance in 39762?
- • Homeowners in 39762 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 39762?
- • Autoowners in 39762 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 Mississippi State area, check out other zip codes nearby 39762.
Review average rates in another zip code:
39762 homeowners insurance rates
Home Replacement Cost Coverage in 39762
Average Building Cost Per Square Foot in 39762: $96
Location: Mississippi State, Mississippi (Oktibbeha County)Average Square Footage in 39762: 1,719 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 39762 before you start any project. Mississippi State 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 39762 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 39762 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,719 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 Mississippi State 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 | 1,719 | $165,000 |
| Additional Upgrades & Added Features | $120 | 1,719 | $206,250 |
| Major Home Updates or Advancements | $144 | 1,719 | $247,500 |
It's important to understand that when you estimate your replacement cost of your home in the 39762 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 39762
Best Home & Auto Insurance Agencies in 39762
Housing Demographics for 39762
Population Review for 39762 Zip Code
For the city of Mississippi State, the population within 39762 has increased to over 0 residents in population size. The current population total is 4,963. We have broken down the population based on race below. In 39762, there are over 2149 in male population and 2814 females.
| Population | Values |
|---|---|
| Total Population | 4,963 |
| White Population | 3759 |
| Black Population | 893 |
| Hispanic Population | 160 |
| Asian Population | 66 |
| Hawaiian Population | 1 |
| Indian Population | 26 |
| Other Population | 187 |
| Male Population | 2149 |
| Female Population | 2814 |
| Population Estimate | 0 |
Household Data for 39762
The average number of homes in 39762 is around 10, there are an average of 5.00 per household. The average house value according to local real estate values is around $165,000. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 10 |
| Persons Per Household | 5.00 |
| Average House Value | $165,000 |
| Income Per Household | $0 |
| Median Age | 19.6 |
| Median Age Male | 19.7 |
| Median Age Female | 19.6 |
| 39762 Details | Values |
|---|---|
| State | MS |
| State Full Name | Mississippi |
| City Type | Z |
| City Alias Abbreviation | MS STATE |
| Area Code | 662 |
| City | Mississippi State |
| City Alias Name | MISSISSIPPI STATE |
| County | Oktibbeha |
| County FIPS | 105 |
| State FIPS | 28 |
| Time Zone | 6 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | 523 |
| CBSA | 44260 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Starkville, MS |
| MSA_Name | |
| PMSA_Name | |
| Region | South |
| Division | East South Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 25 |
| Number Of Employees | 336 |
| Business First Quarter Payroll | 3906 |
| Business Annual Payroll | 18793 |
| 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 | 47671 |
| CBSA Division Population | 0 |
| Congressional District | 03 |
| Congressional LandArea | 12754.48 |
| Delivery Residential | 0 |
| Delivery Business | 0 |
| Delivery Total | 2773 |
| Preferred Last Line Key | Y14024 |
| Classification Code | P |
| Multi-County | |
| CSA Name | Starkville-Columbus, MS |
| CBSA_DIV_Name | |
| City State Key | Y14024 |
| Land Area | 1.227000 |
| Water Area | 0.000000 |
| City Alias Code | U |
| City Mixed Case | Mississippi State |
| City Alias Mixed Case | Mississippi State |
| Box Count | 2606 |
| SFDU | 0 |
| MFDU | 0 |
| State ANSI | 28 |
| County ANSI | 105 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 275245 |
| Unique ZIP Name | |
| SSA State County Code | 25520 |
| Medicare CBSA Code | 99925 |
| Medicare CBSA Name | Rural Areas in MS |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 6 |
| County Mixed Case | Oktibbeha |
Mississippi Homeowners Insurance News & Information
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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 […]
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I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024
According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]
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How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024
Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm. Understanding the different coverages that are available to homeowners is key to making sure you […]