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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
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
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:
Schilkoski- Jim - State Farm Insurance Agent
Address: 2009 Highway K, #O39FALLON Bonne Terre, MO 63628Phone:
Website:
Info:
Richardson- Thomas G - State Farm Insurance Agent
Address: 2713 Highway K, #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
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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2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025
While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future. According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]
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Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025
Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]
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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 […]