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64108 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 64108 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 Kansas City, MO quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 64108.

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If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 64108 and start shopping.

Quickly and Easily Compare Average Rates for 64108

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

Average Policy Rates in 64108

Homeowners in Kansas City are paying roughly $962 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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64108 Home Insurance Average Premiums

Local 64108 homeowners insurance quotes comparison

$712 /yr.

Shows Zip Code: 64108 lowest rates with discounts applied on average.

For the 64108, 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)		$712 /yr.
Average Coverage:$962 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1262 /yr.

What is the average home insurance cost for a home in 64108?

  • • The average homeowners insurance premium paid annually for a home in 64108 is around $962 per year.

What does it cost on average per month for home insurance in 64108?

  • • Homeowners in 64108 pay a monthly average cost per month around $80.00.

What kind of discount could I get if I combine my home and auto insurance together in 64108?

  • • Autoowners in 64108 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 Kansas City area, check out other zip codes nearby 64108.
Review average rates in another zip code:
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Home Replacement Cost Coverage in 64108

Average Building Cost Per Square Foot in 64108: $122

Location: Kansas City, Missouri (Jackson County)

Average Square Footage in 64108: 1,832 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 64108 before you start any project. Kansas City 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 64108 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 64108 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,832 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 Kansas City 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$1221,832$223,500
Additional Upgrades & Added Features$1531,832$279,375
Major Home Updates or Advancements$1831,832$335,250

It's important to understand that when you estimate your replacement cost of your home in the 64108 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 64108

Best Home & Auto Insurance Agencies in 64108

Blue Cross & Blue Shield KC

Address: 2301 Main St Kansas City, MO 64108
Phone:
Website:
Info:

Housing Demographics for 64108

Population Review for 64108 Zip Code

For the city of Kansas City, the population within 64108 has increased to over 12,315 residents in population size. The current population total is 9,839. We have broken down the population based on race below. In 64108, there are over 4935 in male population and 4904 females.

PopulationValues
Total Population9,839
White Population5390
Black Population2224
Hispanic Population1923
Asian Population326
Hawaiian Population10
Indian Population105
Other Population842
Male Population4935
Female Population4904
Population Estimate12315

Household Data for 64108

The average number of homes in 64108 is around 5,276, there are an average of 1.74 per household. The average house value according to local real estate values is around $223,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,276
Persons Per Household1.74
Average House Value$223,500
Income Per Household$64112
Median Age33.6
Median Age Male33.6
Median Age Female33.6
64108 DetailsValues
StateMO
State Full NameMissouri
City TypeP
City Alias Abbreviation
Area Code816
CityKansas City
City Alias NameKANSAS CITY
CountyJackson
County FIPS095
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 Businesses1097
Number Of Employees34573
Business First Quarter Payroll689127
Business Annual Payroll2770692
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 District05
Congressional LandArea2424.85
Delivery Residential7078
Delivery Business1503
Delivery Total9345
Preferred Last Line KeyW16888
Classification Code
Multi-County
CSA NameKansas City-Overland Park-Kansas City, MO-KS
CBSA_DIV_Name
City State KeyW16888
Land Area3.651000
Water Area0.002000
City Alias Code
City Mixed CaseKansas City
City Alias Mixed CaseKansas City
Box Count0
SFDU1570
MFDU3671
State ANSI29
County ANSI095
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number284218
Unique ZIP Name
SSA State County Code26470
Medicare CBSA Code28140
Medicare CBSA NameKansas City, MO-KS
Medicare CBSA TypeMetro
Market Rating Area ID3
County Mixed CaseJackson

Missouri Homeowners Insurance News & Information

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  • Should I raise my deductible to $10,000 to help offset the cost of rising premiums? Posted on Wednesday 15th May, 2024

    According to industry reports, homeowners are raising their deductibles to $5,000 to $10,000 to help offset the cost of rising premiums.  While raising a deductible into the stratosphere will absolutely lower your homeowner insurance premium, it does mean that you will have to cover your deductible amount in the event you have to make a […]