Compare 63105 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Saint Louis just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 6,943 neighbors looking to save on their home insurance policy in the local 63105 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 63105. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Missouri 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 Saint Louis, MO 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 Saint Louis, MO

63105 Home Insurance Average Premiums

Local 63105 homeowners insurance quotes comparison

$883 /yr.

Shows Zip Code: 63105 lowest rates with discounts applied on average.

For the 63105, 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)	$883 /yr.
Average Coverage:	$1133 /yr.
2600 sq. ft. or higher (all discounts applied)	$1433 /yr.

What is the average home insurance cost for a home in 63105?

• The average homeowners insurance premium paid annually for a home in 63105 is around $1133 per year.

What does it cost on average per month for home insurance in 63105?

• Homeowners in 63105 pay a monthly average cost per month around $94.00.

What kind of discount could I get if I combine my home and auto insurance together in 63105?

• Autoowners in 63105 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 Saint Louis area, check out other zip codes nearby 63105.
Review average rates in another zip code:
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Home Replacement Cost Coverage in 63105

Average Building Cost Per Square Foot in 63105: $122

Location: Saint Louis, Missouri (Saint Louis County)

Average Square Footage in 63105: 5,036 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 63105 before you start any project. Saint Louis 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 63105 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 63105 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 5,036 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 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	$122	5,036	$614,400
Additional Upgrades & Added Features	$153	5,036	$768,000
Major Home Updates or Advancements	$183	5,036	$921,600

Calculate Your Dwelling Coverage in 63105

It's important to understand that when you estimate your replacement cost of your home in the 63105 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 Home & Auto Insurance Agencies in 63105

Brad Busch State Farm Insurance

Address: 7908 Bonhomme Ave, Ste 100 Clayton, MO 63105
Phone:
Website: http://www.bradbusch.net/
Info:

Leroy Berry Jr Ins Agency Inc - State Farm Insurance Agent

Address: 950 Francis Pl, #101 Clayton, MO 63105
Phone:
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

Sclair- Jacquelyn D

Address: 7777 Bonhomme Ave, #1901 Clayton, MO 63105
Phone:
Website:
Info:

Allstate Insurance CO

Address: 8230 Forsyth Blvd St Louis, MO 63105
Phone:
Website:
Info:

American Family Insurance - Theodore S Wheeler

Address: 7916 Kingsbury Blvd St Louis, MO 63105
Phone:
Website: http://www.insurance-agency.amfam.com/MO/theodore-s-wheeler-ii/default.aspx?sourceid=yp3
Info:

Housing Demographics for 63105

Population Review for 63105 Zip Code

For the city of Saint Louis, the population within 63105 has increased to over 15,096 residents in population size. The current population total is 18,846. We have broken down the population based on race below. In 63105, there are over 9306 in male population and 9540 females.

Population	Values
Total Population	18,846
White Population	13529
Black Population	1428
Hispanic Population	749
Asian Population	2464
Hawaiian Population	2
Indian Population	30
Other Population	196
Male Population	9306
Female Population	9540
Population Estimate	15096

Household Data for 63105

The average number of homes in 63105 is around 6,943, there are an average of 2.10 per household. The average house value according to local real estate values is around $614,400. Please review the following demographics below for average income and media age.

Housing / Income Data	Values
Households Per Zipcode	6,943
Persons Per Household	2.10
Average House Value	$614,400
Income Per Household	$115228
Median Age	31.2
Median Age Male	30.4
Median Age Female	32.1

63105 Details	Values
State	MO
State Full Name	Missouri
City Type	P
City Alias Abbreviation
Area Code	314
City	Saint Louis
City Alias Name	SAINT LOUIS
County	Saint Louis
County FIPS	189
State FIPS	29
Time Zone	6
Day Light Saving	Y
MSA	7040
PMSA
CSA	476
CBSA	41180
CBSA_DIV
CBSA_Type	Metro
CBSA_Name	St. Louis, MO-IL
MSA_Name	St. Louis, MO-IL MSA
PMSA_Name
Region	Midwest
Division	West North Central
MailingName	Y

Economic & Growth Review	Values
Number Of Businesses	1687
Number Of Employees	26133
Business First Quarter Payroll	902402
Business Annual Payroll	3448939
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	2812896
CBSA Division Population	0
Congressional District	01
Congressional LandArea	225.36
Delivery Residential	7189
Delivery Business	1263
Delivery Total	10041
Preferred Last Line Key	W17799
Classification Code
Multi-County	Y
CSA Name	St. Louis-St. Charles-Farmington, MO-IL
CBSA_DIV_Name
City State Key	W17799
Land Area	2.514000
Water Area	0.000000
City Alias Code
City Mixed Case	Saint Louis
City Alias Mixed Case	Saint Louis
Box Count	317
SFDU	2892
MFDU	4297
State ANSI	29
County ANSI	189
ZIP Intro
Alias Intro
Facility Code	P
City Delivery Indicator	Y
Carrier Route Rate Sortation	D
Finance Number	287140
Unique ZIP Name
SSA State County Code	26940
Medicare CBSA Code	41180
Medicare CBSA Name	St. Louis, MO-IL
Medicare CBSA Type	Metro
Market Rating Area ID	6
County Mixed Case	Saint Louis

Missouri Homeowners Insurance News & Information

2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025
Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance. We thought it might be a good idea to look at some spring cleaning and maintenance […]
Homeowners Now Use This Strategy To Save Money on Home Insurance. Is It a Good Idea? Posted on Wednesday 26th March, 2025
According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone. Data from the Intercontinental Exchange (ICE) showed […]
Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025
According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid. Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]

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