63005 Home Insurance Rates & Premiums

Did you know there are over 19,235 people living within the 63005 zip code area? There are over 6,636 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

1. We will shop up to 12 home insurance companies for free.
2. We will apply all discounts and credits to help you save up to 40% or more.
3. We will answer any questions that you may.
4. We will review the best policy and coverage option in 63005.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-913-276-4017, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Missouri are on the rise. The estimated average premium is around $1,083 a year for a standard homeowners insurance policy in Chesterfield. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Chesterfield, MO Homeowners Insurance Quotes Online

Average Building Cost Per Square Foot in 63005: $122

Average Square Footage in 63005: 4,815 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 63005 before you start any project. Chesterfield homeowners pay on average around $122 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 63005 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 63005 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 4,815 sq. ft. and the average cost to rebuild the home in this area is around $122 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 Chesterfield 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.

It's important to understand that when you estimate your replacement cost of your home in the 63005 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.

Sheehan- Danny W - State Farm Insurance Agent

Barry Chelist Insurance

Sander- Robert L - State Farm Insurance Agent

Allstate Insurance Sales Office

American Family Insurance- Jeffrey Weiss

Household Data for 63005

The average number of homes in 63005 is around 6,636, there are an average of 2.90 per household. The average house value according to local real estate values is around $587,400. Please review the following demographics below for average income and media age.

• 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 […]