Compare 64056 Home Insurance Rates

Are you looking to easily compare home insurance prices online for your home in the 64056 area? The average homeowners premium in Missouri for a standard homeowners policy is around $983/yr., paid annually through your mortgage provider if your home is not currently paid in full. A standard policy for your home is referred to as an HO-3 policy which is the most common homeowners policy. This type of policy covers all perils, but will exclude certain major perils like flood and earthquake damage. The exceptions are listed on your current policy so it is important to know what type of coverage you currently have so you can compare the best home insurance rates, companies and policy protection. In the 64056 zip code, the population size is around 17,373 with 6,286 currently occupied homeowners. Our online quoting process helps make it easy for you to shop and compare the best home insurance rates for your home in 64056.

Please give us a call now at 1-913-276-4017, and easily get up to 12 rates over the phone in minutes. Easily shop the best rates for Independence, MO Homeowners Insurance. Compare companies, quotes, coverages and more.

Avg. MO Rate	Discounts	Savings	Shop Rates
$1,301	up to 40% off	$520	Get Independence, MO Rates!

64056 Home Insurance Average Premiums

Local 64056 homeowners insurance quotes comparison

$733 /yr.

Shows Zip Code: 64056 lowest rates with discounts applied on average.

For the 64056, 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)	$733 /yr.
Average Coverage:	$983 /yr.
2600 sq. ft. or higher (all discounts applied)	$1283 /yr.

What is the average home insurance cost for a home in 64056?

• The average homeowners insurance premium paid annually for a home in 64056 is around $983 per year.

What does it cost on average per month for home insurance in 64056?

• Homeowners in 64056 pay a monthly average cost per month around $82.00.

What kind of discount could I get if I combine my home and auto insurance together in 64056?

• Autoowners in 64056 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 64056.
Review average rates in another zip code:
64058 homeowners insurance rates
64052 homeowners insurance rates
64057 homeowners insurance rates
64053 homeowners insurance rates
64050 homeowners insurance rates
64055 homeowners insurance rates
64054 homeowners insurance rates
64056 homeowners insurance rates

Home Replacement Cost Coverage in 64056

Average Building Cost Per Square Foot in 64056: $122

Location: Independence, Missouri (Jackson County)

Average Square Footage in 64056: 1,092 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 64056 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 64056 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 64056 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,092 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	1,092	$133,200
Additional Upgrades & Added Features	$153	1,092	$166,500
Major Home Updates or Advancements	$183	1,092	$199,800

Calculate Your Dwelling Coverage in 64056

It's important to understand that when you estimate your replacement cost of your home in the 64056 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 64056

Shelter Insurance

Address: 825 North Dakota Drive Independence, MO 64056
Phone:
Website: http://www.shelterinsurance.com/CA/agent/GHOYER
Info:

Larry E Crum Agency - Nationwide Insurance

Address: 18616 East Arrowhead Lane Independence, MO 64056
Phone:
Website: http://www.nationwide.com/agent/Independence-MISSOURI-insurance-agent/larry-crum-mo-1/office.html
Info:

Barr, Cliff Agent - State Farm Insurance

Address: 18110 East US Highway 24 Circle Independence, MO 64056
Phone:
Website: http://www.statefarm.com/
Info:

Metlife Auto & Home Insurance

Address: 700 North Piute Avenue Independence, MO 64056
Phone:
Website: http://www.metlife.com/
Info:

Barr- Clifford L

Address: 18110 E Us Highway 24 Independence, MO 64056
Phone:
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 64056

Population Review for 64056 Zip Code

For the city of Independence, the population within 64056 has increased to over 18,268 residents in population size. The current population total is 17,373. We have broken down the population based on race below. In 64056, there are over 8403 in male population and 8970 females.

Population	Values
Total Population	17,373
White Population	12553
Black Population	1635
Hispanic Population	1767
Asian Population	130
Hawaiian Population	203
Indian Population	117
Other Population	648
Male Population	8403
Female Population	8970
Population Estimate	18268

Household Data for 64056

The average number of homes in 64056 is around 6,286, there are an average of 2.76 per household. The average house value according to local real estate values is around $133,200. Please review the following demographics below for average income and media age.

Housing / Income Data	Values
Households Per Zipcode	6,286
Persons Per Household	2.76
Average House Value	$133,200
Income Per Household	$63947
Median Age	33.8
Median Age Male	32.5
Median Age Female	34.9

64056 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	183
Number Of Employees	2413
Business First Quarter Payroll	27461
Business Annual Payroll	110645
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	04\|05\|06
Congressional LandArea	14401.38\|2424.85\|18198.62
Delivery Residential	6619
Delivery Business	201
Delivery Total	9208
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	19.672000
Water Area	0.223000
City Alias Code
City Mixed Case	Independence
City Alias Mixed Case	Independence
Box Count	0
SFDU	4658
MFDU	387
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 […]

Home Insurance Quotes in 64056!