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63841 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 63841 zip code find a great new policy that offers the coverage they need at a price they can afford.

GetHomeInsuranceQuotes.com makes shopping for a new policy in Dexter, MO quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 63841.

Shopping for insurance quotes on GetHomeInsuranceQuotes.com is always free and we will provide you with a free consultation to answer any questions you may have about coverages and rates.

If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 63841 and start shopping.

Quickly and Easily Compare Average Rates for 63841

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Dexter, MO home insurance quotes in your local city and review the most competitive coverages and premiums.

Average Policy Rates in 63841

Homeowners in Dexter are paying roughly $1274 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

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63841 Home Insurance Average Premiums

Local 63841 homeowners insurance quotes comparison

$1024 /yr.

Shows Zip Code: 63841 lowest rates with discounts applied on average.

For the 63841, 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)
$1024 /yr.
Average Coverage:$1274 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1574 /yr.

What is the average home insurance cost for a home in 63841?

  • • The average homeowners insurance premium paid annually for a home in 63841 is around $1274 per year.

What does it cost on average per month for home insurance in 63841?

  • • Homeowners in 63841 pay a monthly average cost per month around $106.00.

What kind of discount could I get if I combine my home and auto insurance together in 63841?

  • • Autoowners in 63841 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.

You can easily shop and compare home insurance rates within Dexter, check out other zip codes nearby 63841.
To review average rates in another zip code, click on a zip code below:
63841  | 

Home Replacement Cost Coverage in 63841

Average Building Cost Per Square Foot in 63841: $122

Location: Dexter, Missouri (Stoddard County)

Average Square Footage in 63841: 1,132 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 63841 before you start any project. Dexter 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 63841 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 63841 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,132 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 Dexter 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$1221,132$138,100
Additional Upgrades & Added Features$1531,132$172,625
Major Home Updates or Advancements$1831,132$207,150

It's important to understand that when you estimate your replacement cost of your home in the 63841 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.

Housing Demographics for 63841

Population Review for 63841 Zip Code

For the city of Dexter, the population within 63841 has increased to over 13,997 residents in population size. The current population total is 13,413. We have broken down the population based on race below. In 63841, there are over 6470 in male population and 6943 females.

PopulationValues
Total Population13,413
White Population12572
Black Population112
Hispanic Population320
Asian Population50
Hawaiian Population0
Indian Population38
Other Population103
Male Population6470
Female Population6943
Population Estimate13997

Household Data for 63841

The average number of homes in 63841 is around 5,669, there are an average of 2.34 per household. The average house value according to local real estate values is around $138,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,669
Persons Per Household2.34
Average House Value$138,100
Income Per Household$48130
Median Age41.9
Median Age Male40.2
Median Age Female43.3
63841 DetailsValues
StateMO
State Full NameMissouri
City TypeP
City Alias Abbreviation
Area Code573
CityDexter
City Alias NameDEXTER
CountyStoddard
County FIPS207
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 Businesses390
Number Of Employees5392
Business First Quarter Payroll51943
Business Annual Payroll224870
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 District08
Congressional LandArea19901.17
Delivery Residential5982
Delivery Business429
Delivery Total6780
Preferred Last Line KeyW16344
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyW16344
Land Area129.152000
Water Area0.534000
City Alias Code
City Mixed CaseDexter
City Alias Mixed CaseDexter
Box Count203
SFDU5429
MFDU91
State ANSI29
County ANSI207
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number282106
Unique ZIP Name
SSA State County Code26985
Medicare CBSA Code99926
Medicare CBSA NameRural Areas in MO
Medicare CBSA TypeMicro
Market Rating Area ID10
County Mixed CaseStoddard

Missouri Homeowners Insurance News & Information

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  • California Homeowners Still Struggling to Find Insurance Coverage — What You Can Do in Today’s Market Posted on Wednesday 6th May, 2026

    California homeowners aren’t imagining it—the insurance market has gotten significantly tougher over the past few years. What started as a wildfire-driven problem has now evolved into a full-scale availability and affordability challenge. As a professional homeowners insurance agent, I can tell you this: while the situation is difficult, there are still smart ways to secure solid […]