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Home Insurance in 63628
Our rates are very competitive for homeowners living in the 63628 zip code. Many homeowners based out of Bonne Terre, MO 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 MO 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 63628 should appear in the zip code field ready to go.
63628 Average Home Insurance Rates
Are you looking for a standard HO-3 homeowners policy for your single family home in the Bonne Terre area? The average homeowners premium in 63628 is high in comparison to other states. For example, the national average is $1,249 per year for home insurance coverage for a basic home insurance policy. For homeowners living in the 63628, you can expect to pay around $938 per year for homeowners coverage. If you want to see which company has the best rates and coverage options, than easily compare rates with us. You can review each premium and we can help explain any question that you may have about different types of coverages and what is best for you and your family.
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Get Home Insurance Quotes in 63628
We can shop up to 12 home insurance quotes for you easily online. You can find out more by exploring one of the three links below to review average homeowners insurance rates in the great state of Missouri. Start your 63628 home insurance shopping today!
63628 Home Insurance Average Premiums
$688 /yr.
Shows Zip Code: 63628 lowest rates with discounts applied on average.
For the 63628, 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) | $688 /yr. |
| Average Coverage: | $938 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1238 /yr. |
What is the average home insurance cost for a home in 63628?
- • The average homeowners insurance premium paid annually for a home in 63628 is around $938 per year.
What does it cost on average per month for home insurance in 63628?
- • Homeowners in 63628 pay a monthly average cost per month around $78.00.
What kind of discount could I get if I combine my home and auto insurance together in 63628?
- • Autoowners in 63628 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 Bonne Terre area, check out other zip codes nearby 63628.
Review average rates in another zip code:
63628 homeowners insurance rates
Home Replacement Cost Coverage in 63628
Average Building Cost Per Square Foot in 63628: $122
Location: Bonne Terre, Missouri (Saint Francois County)Average Square Footage in 63628: 1,137 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 63628 before you start any project. Bonne Terre 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 63628 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 63628 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,137 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 Bonne Terre 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 | 1,137 | $138,700 |
| Additional Upgrades & Added Features | $153 | 1,137 | $173,375 |
| Major Home Updates or Advancements | $183 | 1,137 | $208,050 |
It's important to understand that when you estimate your replacement cost of your home in the 63628 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 63628
Best Home & Auto Insurance Agencies in 63628
Vickers, JJ Agent - Shelter Insurance
Address: 63 E School St Bonne Terre, MO 63628Phone:
Website: http://www.finsecurity.com/vickers
Info:
Nebel Insurance Agency
Address: 208 N Division St Bonne Terre, MO 63628Phone:
Website:
Info:
Allstate Insurance - Melanie Wardenburg
Address: 2764 Highway K, #O39FALLON Bonne Terre, MO 63628Phone:
Website:
Info:
Jay F Maitland Ins Agcy Inc - State Farm Insurance Agent
Address: 2957 Highway K, Dierbergs Plaza O39FALLON Bonne Terre, MO 63628Phone:
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
Schilkoski- Jim - State Farm Insurance Agent
Address: 2009 Highway K, #O39FALLON Bonne Terre, MO 63628Phone:
Website:
Info:
Housing Demographics for 63628
Population Review for 63628 Zip Code
For the city of Bonne Terre, the population within 63628 has increased to over 15,480 residents in population size. The current population total is 16,373. We have broken down the population based on race below. In 63628, there are over 9381 in male population and 6992 females.
| Population | Values |
|---|---|
| Total Population | 16,373 |
| White Population | 14083 |
| Black Population | 1322 |
| Hispanic Population | 236 |
| Asian Population | 62 |
| Hawaiian Population | 12 |
| Indian Population | 52 |
| Other Population | 71 |
| Male Population | 9381 |
| Female Population | 6992 |
| Population Estimate | 15480 |
Household Data for 63628
The average number of homes in 63628 is around 5,492, there are an average of 2.52 per household. The average house value according to local real estate values is around $138,700. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 5,492 |
| Persons Per Household | 2.52 |
| Average House Value | $138,700 |
| Income Per Household | $48202 |
| Median Age | 40.4 |
| Median Age Male | 39.2 |
| Median Age Female | 42.5 |
| 63628 Details | Values |
|---|---|
| State | MO |
| State Full Name | Missouri |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 573 |
| City | Bonne Terre |
| City Alias Name | BONNE TERRE |
| County | Saint Francois |
| County FIPS | 187 |
| State FIPS | 29 |
| Time Zone | 6 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | 476 |
| CBSA | 22100 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Farmington, MO |
| MSA_Name | |
| PMSA_Name | |
| Region | Midwest |
| Division | West North Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 226 |
| Number Of Employees | 1908 |
| Business First Quarter Payroll | 14385 |
| Business Annual Payroll | 64211 |
| 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 | 65359 |
| CBSA Division Population | 0 |
| Congressional District | 03|08 |
| Congressional LandArea | 6851.54|19901.17 |
| Delivery Residential | 6143 |
| Delivery Business | 206 |
| Delivery Total | 6733 |
| Preferred Last Line Key | W15890 |
| Classification Code | |
| Multi-County | Y |
| CSA Name | St. Louis-St. Charles-Farmington, MO-IL |
| CBSA_DIV_Name | |
| City State Key | W15890 |
| Land Area | 120.234000 |
| Water Area | 0.959000 |
| City Alias Code | |
| City Mixed Case | Bonne Terre |
| City Alias Mixed Case | Bonne Terre |
| Box Count | 226 |
| SFDU | 4986 |
| MFDU | 9 |
| State ANSI | 29 |
| County ANSI | 187 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 280798 |
| Unique ZIP Name | |
| SSA State County Code | 26930 |
| Medicare CBSA Code | 99926 |
| Medicare CBSA Name | Rural Areas in MO |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 6 |
| County Mixed Case | Saint Francois |
Missouri Homeowners Insurance News & Information
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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 […]
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According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]
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How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024
Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm. Understanding the different coverages that are available to homeowners is key to making sure you […]