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64098, MO Home Insurance

In the zip code of 64098, the population size is around 3,054, which consists of 1,269 occupied homes in your area. We often hear homeowners ask us what the average home insurance premiums are for residence living in Weston, MO. A few years ago, a study was done and found that the average home insurance rates for Missouri are around $931 per year for a standard homeowners policy. At GetHomeInsuranceQuotes.com, we help homeowners find cheaper rates and better coverage for an existing or new home purchase opportunity. We have partnered with 12 major home insurance companies that have the most competitive rates for homes in the 64098 zip code location. Our savings model helps you not only save up to 40% or more, but also includes enhanced coverage options to help protect your home and family while livings in Weston. If you enter your zip code for the home you would like to shop and compare rates for today, we can help you review the premiums and coverage online or over the phone. Give us a call now at 1-913-276-4017 so we can help you compare rates today!

If you would like to review more information on rates within your area, please click Weston, MO Homeowners Insurance Online Rates Today!

64098 Home Insurance Average Premiums

Local 64098 homeowners insurance quotes comparison

$681 /yr.

Shows Zip Code: 64098 lowest rates with discounts applied on average.

For the 64098, 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)
$681 /yr.
Average Coverage:$931 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1231 /yr.

What is the average home insurance cost for a home in 64098?

  • • The average homeowners insurance premium paid annually for a home in 64098 is around $931 per year.

What does it cost on average per month for home insurance in 64098?

  • • Homeowners in 64098 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 64098?

  • • Autoowners in 64098 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 Weston area, check out other zip codes nearby 64098.
Review average rates in another zip code:
64098 homeowners insurance rates

Home Replacement Cost Coverage in 64098

Average Building Cost Per Square Foot in 64098: $122

Location: Weston, Missouri (Platte County)

Average Square Footage in 64098: 2,069 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 64098 before you start any project. Weston 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 64098 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 64098 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,069 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 Weston 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$1222,069$252,400
Additional Upgrades & Added Features$1532,069$315,500
Major Home Updates or Advancements$1832,069$378,600

It's important to understand that when you estimate your replacement cost of your home in the 64098 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 64098

Best Home & Auto Insurance Agencies in 64098

Housing Demographics for 64098

Population Review for 64098 Zip Code

For the city of Weston, the population within 64098 has increased to over 3,067 residents in population size. The current population total is 3,054. We have broken down the population based on race below. In 64098, there are over 1472 in male population and 1582 females.

PopulationValues
Total Population3,054
White Population2858
Black Population11
Hispanic Population72
Asian Population5
Hawaiian Population0
Indian Population16
Other Population21
Male Population1472
Female Population1582
Population Estimate3067

Household Data for 64098

The average number of homes in 64098 is around 1,269, there are an average of 2.41 per household. The average house value according to local real estate values is around $252,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,269
Persons Per Household2.41
Average House Value$252,400
Income Per Household$71477
Median Age43.7
Median Age Male43.4
Median Age Female43.9
64098 DetailsValues
StateMO
State Full NameMissouri
City TypeP
City Alias Abbreviation
Area Code816
CityWeston
City Alias NameWESTON
CountyPlatte
County FIPS165
State FIPS29
Time Zone6
Day Light SavingY
MSA3760
PMSA
CSA312
CBSA28140
CBSA_DIV
CBSA_TypeMetro
CBSA_NameKansas City, MO-KS
MSA_NameKansas City, MO-KS MSA
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses78
Number Of Employees934
Business First Quarter Payroll12848
Business Annual Payroll52818
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population2035334
CBSA Division Population0
Congressional District06
Congressional LandArea18198.62
Delivery Residential1273
Delivery Business86
Delivery Total1469
Preferred Last Line KeyW18633
Classification Code
Multi-County
CSA NameKansas City-Overland Park-Kansas City, MO-KS
CBSA_DIV_Name
City State KeyW18633
Land Area74.155000
Water Area0.637000
City Alias Code
City Mixed CaseWeston
City Alias Mixed CaseWeston
Box Count61
SFDU1188
MFDU0
State ANSI29
County ANSI165
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationC
Finance Number288418
Unique ZIP Name
SSA State County Code26820
Medicare CBSA Code28140
Medicare CBSA NameKansas City, MO-KS
Medicare CBSA TypeMetro
Market Rating Area ID3
County Mixed CasePlatte

Missouri Homeowners Insurance News & Information

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

  • $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 […]