64052 Home Insurance Rates

Getting multiple homeowners insurance rates in 64052 is the best way to review and compare all the coverage options available for you, your home and your family. Our homeowners rates are very competitive for homeowners living in the great city of Independence, MO. Many homeowners based out of the 64052 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. We can compare up to 12 competitive home insurance rates for you all in one place. Plus, our home insurance quotes are free and our Missouri licensed home insurance professionals can provide a free consultation service to you that allows you to ask questions about which policy and coverage package is best for you. To get free home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 64052 should appear in the zip code field ready to go. For Independence, MO Home Insurance Quotes, Click to easily get started!

64052 Homeowners Insurance Rates, Average Rating: High!

Your homeowners insurance policy in 64052 consists of both property and casualty insurance coverage. This type of policy will insure your home against a variety of risks, including fire, theft and windstorm damage. Additional protection is also included in most policies that offer liability coverage against accidents that may injure other people on your property in Independence. For a basic HO-3, standard homeowners policy, the average premium per year in Missouri is around $968. By shopping your home insurance with us at GetHomeInsuranceQuotes.com, we can help you compare the most affordable rates and enhanced coverage options. Please enter your 64052 zip code today and let us help you save time and money on your homeowners insurance premium.

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64052 Home Insurance Average Premiums

Local 64052 homeowners insurance quotes comparison

$718 /yr.

Shows Zip Code: 64052 lowest rates with discounts applied on average.

For the 64052, 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)	$718 /yr.
Average Coverage:	$968 /yr.
2600 sq. ft. or higher (all discounts applied)	$1268 /yr.

What is the average home insurance cost for a home in 64052?

• The average homeowners insurance premium paid annually for a home in 64052 is around $968 per year.

What does it cost on average per month for home insurance in 64052?

• Homeowners in 64052 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 64052?

• Autoowners in 64052 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 Independence area, check out other zip codes nearby 64052.
Review average rates in another zip code:
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Home Replacement Cost Coverage in 64052

Average Building Cost Per Square Foot in 64052: $122

Location: Independence, Missouri (Jackson County)

Average Square Footage in 64052: 807 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 64052 before you start any project. Independence 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 64052 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 64052 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 807 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 Independence 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	807	$98,400
Additional Upgrades & Added Features	$153	807	$123,000
Major Home Updates or Advancements	$183	807	$147,600

Calculate Your Dwelling Coverage in 64052

It's important to understand that when you estimate your replacement cost of your home in the 64052 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 Home & Auto Insurance Agencies in 64052

Keal, Jim Insurance Agency Incorporated

Address: 11308 East 23rd Street South Independence, MO 64052
Phone:
Website: http://www.kealinsurance.com/
Info:

American Family Insurance - Tom Dempsey

Address: 3500 South Sterling Avenue Independence, MO 64052
Phone:
Website: http://www.insurance-agency.amfam.com/MO/tom-dempsey/default.aspx?sourceid=yp3
Info:

A B C Insurance

Address: 11012 E Winner Rd Independence, MO 64052
Phone:
Website:
Info:

Housing Demographics for 64052

Population Review for 64052 Zip Code

For the city of Independence, the population within 64052 has increased to over 23,160 residents in population size. The current population total is 22,204. We have broken down the population based on race below. In 64052, there are over 10992 in male population and 11212 females.

Population	Values
Total Population	22,204
White Population	15007
Black Population	2047
Hispanic Population	4072
Asian Population	198
Hawaiian Population	76
Indian Population	223
Other Population	2053
Male Population	10992
Female Population	11212
Population Estimate	23160

Household Data for 64052

The average number of homes in 64052 is around 9,173, there are an average of 2.41 per household. The average house value according to local real estate values is around $98,400. Please review the following demographics below for average income and media age.

Housing / Income Data	Values
Households Per Zipcode	9,173
Persons Per Household	2.41
Average House Value	$98,400
Income Per Household	$47833
Median Age	38.0
Median Age Male	37.3
Median Age Female	38.8

64052 Details	Values
State	MO
State Full Name	Missouri
City Type	P
City Alias Abbreviation
Area Code	816
City	Independence
City Alias Name	INDEPENDENCE
County	Jackson
County FIPS	095
State FIPS	29
Time Zone	6
Day Light Saving	Y
MSA	3760
PMSA
CSA	312
CBSA	28140
CBSA_DIV
CBSA_Type	Metro
CBSA_Name	Kansas City, MO-KS
MSA_Name	Kansas City, MO-KS MSA
PMSA_Name
Region	Midwest
Division	West North Central
MailingName	Y

Economic & Growth Review	Values
Number Of Businesses	157
Number Of Employees	1065
Business First Quarter Payroll	8739
Business Annual Payroll	36058
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	2035334
CBSA Division Population	0
Congressional District	05
Congressional LandArea	2424.85
Delivery Residential	9610
Delivery Business	283
Delivery Total	10014
Preferred Last Line Key	W16836
Classification Code
Multi-County
CSA Name	Kansas City-Overland Park-Kansas City, MO-KS
CBSA_DIV_Name
City State Key	W16836
Land Area	6.311000
Water Area	0.000000
City Alias Code
City Mixed Case	Independence
City Alias Mixed Case	Independence
Box Count	81
SFDU	8853
MFDU	357
State ANSI	29
County ANSI	095
ZIP Intro
Alias Intro
Facility Code	P
City Delivery Indicator	Y
Carrier Route Rate Sortation	D
Finance Number	284026
Unique ZIP Name
SSA State County Code	26470
Medicare CBSA Code	28140
Medicare CBSA Name	Kansas City, MO-KS
Medicare CBSA Type	Metro
Market Rating Area ID	3
County Mixed Case	Jackson

Missouri Homeowners Insurance News & Information

$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 […]
I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024
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 […]
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 […]

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