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63540 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 63540 zip code it's important to know that our rates are very competitive for homeowners living in Gibbs, MO. Many homeowners based out of your 63540 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 63540 should appear in the zip code field ready to go. For Gibbs, MO Homeowners Insurance Quotes nearby, we offer the best rates and service.

63540: Average Home Insurance Rates

For homeowners living in the great city of Gibbs, the average homeowners policy is considered high in comparison to other states. Missouri premiums are estimated to be around $974 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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63540 Home Insurance Average Premiums

Local 63540 homeowners insurance quotes comparison

$724 /yr.

Shows Zip Code: 63540 lowest rates with discounts applied on average.

For the 63540, 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)
$724 /yr.
Average Coverage:$974 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1274 /yr.

What is the average home insurance cost for a home in 63540?

  • • The average homeowners insurance premium paid annually for a home in 63540 is around $974 per year.

What does it cost on average per month for home insurance in 63540?

  • • Homeowners in 63540 pay a monthly average cost per month around $81.00.

What kind of discount could I get if I combine my home and auto insurance together in 63540?

  • • Autoowners in 63540 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 Gibbs area, check out other zip codes nearby 63540.
Review average rates in another zip code:
63540 homeowners insurance rates

Home Replacement Cost Coverage in 63540

Average Building Cost Per Square Foot in 63540: $122

Location: Gibbs, Missouri (Adair County)

Average Square Footage in 63540: 541 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 63540 before you start any project. Gibbs 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 63540 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 63540 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 541 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 Gibbs 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$122541$66,000
Additional Upgrades & Added Features$153541$82,500
Major Home Updates or Advancements$183541$99,000

It's important to understand that when you estimate your replacement cost of your home in the 63540 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 63540

Best Home & Auto Insurance Agencies in 63540

Housing Demographics for 63540

Population Review for 63540 Zip Code

For the city of Gibbs, the population within 63540 has increased to over 168 residents in population size. The current population total is 141. We have broken down the population based on race below. In 63540, there are over 67 in male population and 74 females.

PopulationValues
Total Population141
White Population137
Black Population0
Hispanic Population1
Asian Population1
Hawaiian Population0
Indian Population1
Other Population0
Male Population67
Female Population74
Population Estimate168

Household Data for 63540

The average number of homes in 63540 is around 47, there are an average of 3.00 per household. The average house value according to local real estate values is around $66,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode47
Persons Per Household3.00
Average House Value$66,000
Income Per Household$53000
Median Age37.4
Median Age Male23.5
Median Age Female42.3
63540 DetailsValues
StateMO
State Full NameMissouri
City TypeN
City Alias Abbreviation
Area Code660
CityGibbs
City Alias NameGIBBS
CountyAdair
County FIPS001
State FIPS29
Time Zone6
Day Light SavingY
MSA
PMSA
CSA
CBSA28860
CBSA_DIV
CBSA_TypeMicro
CBSA_NameKirksville, MO
MSA_Name
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses0
Number Of Employees0
Business First Quarter Payroll0
Business Annual Payroll0
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population30038
CBSA Division Population0
Congressional District06
Congressional LandArea18198.62
Delivery Residential56
Delivery Business1
Delivery Total57
Preferred Last Line Key013223
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State Key013223
Land Area13.910000
Water Area0.001000
City Alias Code
City Mixed CaseGibbs
City Alias Mixed CaseGibbs
Box Count0
SFDU56
MFDU0
State ANSI29
County ANSI001
ZIP Intro
Alias Intro
Facility CodeN
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number284506
Unique ZIP Name
SSA State County Code26000
Medicare CBSA Code99926
Medicare CBSA NameRural Areas in MO
Medicare CBSA TypeMicro
Market Rating Area ID2
County Mixed CaseAdair

Missouri Homeowners Insurance News & Information

  • 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 […]