Compare quotes for your home in 63123! Compare the best 12 carriers in minutes.
63123 Homeowners Insurance Rate Quotes
Are you shopping for homeowners insurance quotes in 63123? Our rates are very competitive for homeowners living in Saint Louis, MO. Many homeowners based out of your 63123 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our homeowners insurance quotes are free and our Missouri licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 63123 should appear in the zip code field ready to go. For Saint Louis, MO Home Insurance Rate Quotes click to review the best rates and service online!
63123 Average Premium is Rated: High!
Homeowners living in 63123 can easily save up to 40% off the average home insurance premium of $1022 a year by comparing rates with us at GetHomeInsuranceQuotes.com. You don't have to do the research to find the best company, rate and coverage options. We have already done this for you. We have 12 major carriers in Saint Louis that are all very competitive and have the best rate and coverage option available. All you need to do is request quotes online for zip code 63123 and we will help you compare prices and apply all available discounts. If you want savings and also need help deciding which policy is best for you, than let us help you compare multiple rates today!
63123 Home Insurance Average Premiums
$772 /yr.
Shows Zip Code: 63123 lowest rates with discounts applied on average.
For the 63123, 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) | $772 /yr. |
| Average Coverage: | $1022 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1322 /yr. |
What is the average home insurance cost for a home in 63123?
- • The average homeowners insurance premium paid annually for a home in 63123 is around $1022 per year.
What does it cost on average per month for home insurance in 63123?
- • Homeowners in 63123 pay a monthly average cost per month around $85.00.
What kind of discount could I get if I combine my home and auto insurance together in 63123?
- • Autoowners in 63123 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.
You can easily shop and compare home insurance rates within Saint Louis, check out other zip codes nearby 63123.
To review average rates in another zip code, click on a zip code below:
63130 | 63104 | 63117 | 63126 | 63114 | 63121 | 63110 | 63136 | 63132 | 63141 |
Home Replacement Cost Coverage in 63123
Average Building Cost Per Square Foot in 63123: $122
Location: Saint Louis, Missouri (Saint Louis County)Average Square Footage in 63123: 1,363 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 63123 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 63123 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 63123 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,363 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 | 1,363 | $166,300 |
| Additional Upgrades & Added Features | $153 | 1,363 | $207,875 |
| Major Home Updates or Advancements | $183 | 1,363 | $249,450 |
It's important to understand that when you estimate your replacement cost of your home in the 63123 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 63123
State Farm Insurance
Address: 11400 Concord Village Avenue Suite B Saint Louis, MO 63123Phone: (314)729-1900
Website: statefarm.com
Allstate Insurance - Tom Kozlowski
Address: 56 Grasso Plz Affton, MO 63123Phone: (314)631-2303
Website:
Best Home & Auto Insurance Agencies in 63123
Allstate Insurance - Tom Kozlowski
Address: 56 Grasso Plz Affton, MO 63123Phone:
Website:
Info:
GEICO
Address: 5516 S Lindbergh Blvd St Louis, MO 63123Phone:
Website: http://www.geico.com/local/jbody
Info:
Crancer Jr, David A - Crancer Insurance
Address: Po Box 29303 Sappington, MO 63123Phone:
Website: http://www.progressiveagent.com/crancer-insurance-agency-fenton
Info:
Tim Kempf-Farmers Insurance
Address: 5714 S Lindbergh Blvd, Ste 8 St Louis, MO 63123Phone:
Website: http://www.farmersagent.com/tkempf/
Info:
American Family Insurance - Jamie Dunphy
Address: 9951 Lin Ferry Dr St Louis, MO 63123Phone:
Website: http://www.insurance-agency.amfam.com/MO/jamie-dunphy/default.aspx?tid=agp0001023184
Info:
Housing Demographics for 63123
Population Review for 63123 Zip Code
For the city of Saint Louis, the population within 63123 has increased to over 51,562 residents in population size. The current population total is 50,989. We have broken down the population based on race below. In 63123, there are over 24545 in male population and 26444 females.
| Population | Values |
|---|---|
| Total Population | 50,989 |
| White Population | 43219 |
| Black Population | 1568 |
| Hispanic Population | 1708 |
| Asian Population | 2467 |
| Hawaiian Population | 22 |
| Indian Population | 118 |
| Other Population | 539 |
| Male Population | 24545 |
| Female Population | 26444 |
| Population Estimate | 51562 |
Household Data for 63123
The average number of homes in 63123 is around 22,711, there are an average of 2.24 per household. The average house value according to local real estate values is around $166,300. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 22,711 |
| Persons Per Household | 2.24 |
| Average House Value | $166,300 |
| Income Per Household | $65693 |
| Median Age | 40.8 |
| Median Age Male | 39.3 |
| Median Age Female | 42.7 |
| 63123 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 | 927 |
| Number Of Employees | 13635 |
| Business First Quarter Payroll | 153057 |
| Business Annual Payroll | 719008 |
| 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|02 |
| Congressional LandArea | 225.36|465.76 |
| Delivery Residential | 23019 |
| Delivery Business | 805 |
| Delivery Total | 24643 |
| 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 | 12.454000 |
| Water Area | 0.100000 |
| City Alias Code | |
| City Mixed Case | Saint Louis |
| City Alias Mixed Case | Saint Louis |
| Box Count | 107 |
| SFDU | 18824 |
| MFDU | 3877 |
| 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
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Texas Homeowner Insurance Claims Were Closed Without Any Payment Posted on Monday 14th July, 2025
According to a recent study that was reported on in the Houston Chronicle, almost half of all Texas homeowner insurance claims were closed without any payment to the homeowner. A company called Weiss Ratings was in charge of the study and they found that 47% of claims filed by Texas homeowners have been closed by […]
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What causes North Carolina home insurance to go up? Posted on Monday 7th July, 2025
A homeowner in North Carolina was greeted with a nasty surprise this year, a 41% increase in his insurance premium. On average, homeowners in North Carolina saw a rate jump of 7.5% on June 1st due to a settlement reached by the North Carolina Department of Insurance but this certainly doesn’t explain a 41% increase. Doug Corkhill is […]
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Is the U.S. Home Buying Market Going to Drop in 2025? Posted on Friday 4th July, 2025
A recent report from the Harvard Joint Center for Housing Studies found that U.S. homebuying has dropped to its lowest levels since the mid-1990s. The report, The State of the Nation’s Housing 2025 blames record high real estate prices combined with higher interests for the drop in home sales. While high home prices and elevated interest rates […]