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63130 Home Insurance Quotes & Rates

Currently, the 12,555 homes within the 63130 zip code are being challenged with rate increases and the demand for more affordable homeowners insurance premiums. The average home insurance rate for Missouri is around $1,016 per year for a standard HO-3 homeowners policy. A standard homeowners policy in Saint Louis, MO, insures your home from theft, fire, windstorm damage and liability accidents on your property. Flood or earthquake damage is not covered under a basic homeowners policy, we can help you review the best coverage option for your home in 63130.

Missouri is now ranking #20 in the country for the highest premiums. If you are trying to lower your premium and want to compare up to 12 Saint Louis home insurance quotes all in one place then GetHomeInsuranceQuotes.com of Missouri has the online shopping service for you. Our hassle free online quoting application allows homeowners in the 63130 area to review and compare the best rates and coverage options. We can provide a free consultation process to help you decide which carrier, coverage and policy is the best fit for you and your family. We realize that protecting your most valuable investment is very important to you, that is why we want to help you increase your coverage while providing the most affordable rates available. Let us help you shop and compare your Saint Louis, Missouri home insurance rates today!

Please give us a call now at 1-913-276-4017, easily get up to 12 rates over the phone in minutes. For Saint Louis, MO Home Insurance Quotes, start your shopping process to today, it's easy and hassle free!

63130 Home Insurance Average Premiums

Local 63130 homeowners insurance quotes comparison

$766 /yr.

Shows Zip Code: 63130 lowest rates with discounts applied on average.

For the 63130, 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)
$766 /yr.
Average Coverage:$1016 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1316 /yr.

What is the average home insurance cost for a home in 63130?

  • • The average homeowners insurance premium paid annually for a home in 63130 is around $1016 per year.

What does it cost on average per month for home insurance in 63130?

  • • Homeowners in 63130 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 63130?

  • • Autoowners in 63130 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 63130.
Review average rates in another zip code:
63139 homeowners insurance rates
63136 homeowners insurance rates
63130 homeowners insurance rates
63121 homeowners insurance rates
63122 homeowners insurance rates
63146 homeowners insurance rates
63120 homeowners insurance rates
63127 homeowners insurance rates
63147 homeowners insurance rates
63119 homeowners insurance rates

Home Replacement Cost Coverage in 63130

Average Building Cost Per Square Foot in 63130: $122

Location: Saint Louis, Missouri (Saint Louis County)

Average Square Footage in 63130: 2,258 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 63130 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 63130 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 63130 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,258 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 StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$1222,258$275,500
Additional Upgrades & Added Features$1532,258$344,375
Major Home Updates or Advancements$1832,258$413,250

It's important to understand that when you estimate your replacement cost of your home in the 63130 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 63130

Allstate Insurance - Guang Li

Address: 8120 Olive Blvd University City, MO 63130
Phone: (314)993-8887
Website:

Best Home & Auto Insurance Agencies in 63130

ACE Cash Express

Address: 7856 Olive Blvd St Louis, MO 63130
Phone:
Website: http://www.acecashexpress.com/
Info:

Allstate Insurance - the Hughes Agency

Address: 8106 Olive Blvd St Louis, MO 63130
Phone:
Website:
Info:

Smith- John A - State Farm Insurance Agent

Address: 7165 Delmar Blvd, #111 University City, MO 63130
Phone:
Website:
Info:

Allstate Insurance - Guang Li

Address: 8120 Olive Blvd University City, MO 63130
Phone:
Website:
Info:

American Family Insurance - Renee Bolden

Address: 7299 Olive Blvd, Ste B St Louis, MO 63130
Phone:
Website: http://www.insurance-agency.amfam.com/MO/renee-bolden/default.aspx?sourceid=yp3
Info:

Housing Demographics for 63130

Population Review for 63130 Zip Code

For the city of Saint Louis, the population within 63130 has increased to over 29,352 residents in population size. The current population total is 29,454. We have broken down the population based on race below. In 63130, there are over 13861 in male population and 15593 females.

PopulationValues
Total Population29,454
White Population14236
Black Population10778
Hispanic Population1171
Asian Population2044
Hawaiian Population21
Indian Population48
Other Population563
Male Population13861
Female Population15593
Population Estimate29352

Household Data for 63130

The average number of homes in 63130 is around 12,555, there are an average of 2.19 per household. The average house value according to local real estate values is around $275,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode12,555
Persons Per Household2.19
Average House Value$275,500
Income Per Household$68903
Median Age34.7
Median Age Male33.2
Median Age Female36.3
63130 DetailsValues
StateMO
State Full NameMissouri
City TypeP
City Alias Abbreviation
Area Code314
CitySaint Louis
City Alias NameSAINT LOUIS
CountySaint Louis
County FIPS189
State FIPS29
Time Zone6
Day Light SavingY
MSA7040
PMSA
CSA476
CBSA41180
CBSA_DIV
CBSA_TypeMetro
CBSA_NameSt. Louis, MO-IL
MSA_NameSt. Louis, MO-IL MSA
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses625
Number Of Employees26642
Business First Quarter Payroll458131
Business Annual Payroll2068355
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population2812896
CBSA Division Population0
Congressional District01
Congressional LandArea225.36
Delivery Residential13403
Delivery Business569
Delivery Total16726
Preferred Last Line KeyW17799
Classification Code
Multi-CountyY
CSA NameSt. Louis-St. Charles-Farmington, MO-IL
CBSA_DIV_Name
City State KeyW17799
Land Area5.039000
Water Area0.000000
City Alias Code
City Mixed CaseSaint Louis
City Alias Mixed CaseSaint Louis
Box Count191
SFDU10335
MFDU2905
State ANSI29
County ANSI189
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number287140
Unique ZIP Name
SSA State County Code26940
Medicare CBSA Code41180
Medicare CBSA NameSt. Louis, MO-IL
Medicare CBSA TypeMetro
Market Rating Area ID6
County Mixed CaseSaint Louis

Missouri Homeowners Insurance News & Information

  • Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024

    Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies.  Here are some common exclusions that could leave you […]

  • 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 […]