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63453 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 63453 zip code it's important to know that our rates are very competitive for homeowners living in Luray, MO. Many homeowners based out of your 63453 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 home 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 63453 should appear in the zip code field ready to go. For Luray, MO Homeowners Insurance Quotes nearby, we offer the best rates and service.

63453: Average Home Insurance Rates

For homeowners living in the great city of Luray, the average homeowners policy is considered high in comparison to other states. Missouri premiums are estimated to be around $1009 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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63453 Home Insurance Average Premiums

Local 63453 homeowners insurance quotes comparison

$759 /yr.

Shows Zip Code: 63453 lowest rates with discounts applied on average.

For the 63453, 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)		$759 /yr.
Average Coverage:$1009 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1309 /yr.

What is the average home insurance cost for a home in 63453?

  • • The average homeowners insurance premium paid annually for a home in 63453 is around $1009 per year.

What does it cost on average per month for home insurance in 63453?

  • • Homeowners in 63453 pay a monthly average cost per month around $84.00.

What kind of discount could I get if I combine my home and auto insurance together in 63453?

  • • Autoowners in 63453 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 Luray area, check out other zip codes nearby 63453.
Review average rates in another zip code:
63453 homeowners insurance rates

Home Replacement Cost Coverage in 63453

Average Building Cost Per Square Foot in 63453: $122

Location: Luray, Missouri (Clark County)

Average Square Footage in 63453: 1,681 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 63453 before you start any project. Luray 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 63453 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 63453 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,681 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 Luray 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$1221,681$205,100
Additional Upgrades & Added Features$1531,681$256,375
Major Home Updates or Advancements$1831,681$307,650

It's important to understand that when you estimate your replacement cost of your home in the 63453 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 63453

Best Home & Auto Insurance Agencies in 63453

Housing Demographics for 63453

Population Review for 63453 Zip Code

For the city of Luray, the population within 63453 has increased to over 405 residents in population size. The current population total is 373. We have broken down the population based on race below. In 63453, there are over 212 in male population and 161 females.

PopulationValues
Total Population373
White Population352
Black Population1
Hispanic Population2
Asian Population0
Hawaiian Population0
Indian Population0
Other Population2
Male Population212
Female Population161
Population Estimate405

Household Data for 63453

The average number of homes in 63453 is around 158, there are an average of 2.36 per household. The average house value according to local real estate values is around $205,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode158
Persons Per Household2.36
Average House Value$205,100
Income Per Household$86641
Median Age39.4
Median Age Male42.0
Median Age Female37.2
63453 DetailsValues
StateMO
State Full NameMissouri
City TypeN
City Alias Abbreviation
Area Code660
CityLuray
City Alias NameLURAY
CountyClark
County FIPS045
State FIPS29
Time Zone6
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses5
Number Of Employees11
Business First Quarter Payroll92
Business Annual Payroll383
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District01|06
Congressional LandArea225.36|18198.62
Delivery Residential172
Delivery Business5
Delivery Total187
Preferred Last Line Key014771
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State Key014771
Land Area53.743000
Water Area0.350000
City Alias Code
City Mixed CaseLuray
City Alias Mixed CaseLuray
Box Count0
SFDU172
MFDU0
State ANSI29
County ANSI045
ZIP Intro
Alias Intro
Facility CodeN
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number288646
Unique ZIP Name
SSA State County Code26220
Medicare CBSA Code99926
Medicare CBSA NameRural Areas in MO
Medicare CBSA TypeMicro
Market Rating Area ID2
County Mixed CaseClark

Missouri Homeowners Insurance News & Information

  • Homeowners Shopping Rates Due to Rise in Premiums Posted on Monday 23rd September, 2024

    According to the recently released J.D. Power 2024 U.S. Home Insurance Study a nationwide rise in premiums has driven many customers to shop for new policies as their rates are now too high.  “’The average shopping rate among home insurance customers has climbed to a record high of 6.8% through the second quarter of 2024, […]

  • Where is it cheaper to rent than to buy a home in the United States? Posted on Thursday 5th September, 2024

    According to a new study from Clever Real Estate, a St. Louis-based real estate company, monthly rent costs are actually cheaper than a monthly mortgage payment in 48 of the 50 most populous cities in the United States. Their analysis looked at mortgage principals, interest, taxes as well as homeowners insurance and they found that […]

  • Review How Many Homeowners Are Not Insured Per State Posted on Thursday 29th August, 2024

    One of the major costs of owning a home is protecting it with homeowners insurance. This will ensure your home is repaired or rebuilt if it is damage or destroyed by a covered peril. It also helps protect you against lawsuits, theft and even vandalism. If you have a mortgage on your home, your lender […]