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Home Insurance in 64118

If your primary reason for shopping for homeowners insurance in the 64118 zip code is based primarily on the rising cost of your home insurance premium. Then, it's imporant to know that our rates are very competitive for homeowners living in Kansas City, MO. Many homeowners that live in the 64118 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase up to 12 carriers that we will shop for you. Plus, our home insurance quotes are free and our Missouri licensed agents can also provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free homeowners insurance quote, simply click the "Get Multiple Quotes Now" button at the top. Your 64118 zip code should already appear in the zip code field ready to go. For Kansas City, MO Homeowners Insurance Quotes, Click to easily get started!

Average Homeowners Premiums in 64118

Homeowners living in the city of Kansas City are paying on average around $977 per year for homeowners insurance coverage. This estimated premium is based on a standard HO-3 policy which covers the basic requirements if your home was ever damaged. This is also a minimum requirement by mortgage lenders if there is a lien on your home. A basic policy will cover your home, contents, loss of use, liability and medical payments. It's important to know that homes in the 64118 zip code with a standard homeowners policy does not cover flood damage. You will need to purchase a seperate flood policy to add this additional coverage. Missouri home insurance premiums have been recently ranked 20 in the country in terms of the annual cost of premiums. Because premiums in 64118 are higher compared to other states it is always a good idea to shop your home insurance coverage. Our online quoting application can easily help you compare the best rates and coverage options.

Easily Compare 64118 Home Insurance Quotes Now!

We enjoy helping you do two very important things: First, we like to help you save more money per year on your homeowners insurance. Second, we like to help you learn about the best coverage options for your home in Kansas City. It is possible to pay a lower premium and get more enhanced coverage. Let us help you shop your home insurance premiums today!

64118 Home Insurance Average Premiums

Local 64118 homeowners insurance quotes comparison

$727 /yr.

Shows Zip Code: 64118 lowest rates with discounts applied on average.

For the 64118, 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)
$727 /yr.
Average Coverage:$977 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1277 /yr.

What is the average home insurance cost for a home in 64118?

  • • The average homeowners insurance premium paid annually for a home in 64118 is around $977 per year.

What does it cost on average per month for home insurance in 64118?

  • • Homeowners in 64118 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 64118?

  • • Autoowners in 64118 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 64118.
Review average rates in another zip code:
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64155 homeowners insurance rates

Home Replacement Cost Coverage in 64118

Average Building Cost Per Square Foot in 64118: $122

Location: Kansas City, Missouri (Clay County)

Average Square Footage in 64118: 1,302 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 64118 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 64118 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 64118 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,302 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$1221,302$158,900
Additional Upgrades & Added Features$1531,302$198,625
Major Home Updates or Advancements$1831,302$238,350

It's important to understand that when you estimate your replacement cost of your home in the 64118 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 64118

Allstate Insurance-Phyllis M. Turner

Address: 1420 Nw Vivion Rd Ste 102 Kansas City, MO 64118
Phone: (816)584-1868
Website: agent.allstate.com/81523

Jenkins & James Insurance Agency

Address: 5814 North Oak Trfy Kansas City, MO 64118
Phone: (816)453-8555
Website: www.jenkinsandjames.com

Best Home & Auto Insurance Agencies in 64118

American Family Insurance - Tony M Osborn

Address: 6510 North Oak Trafficway Kansas City, MO 64118
Phone:
Website: http://www.insurance-agency.amfam.com/MO/tony-m-osborn/default.aspx?sourceid=yp3
Info:

Presko Terry Insurance

Address: 7001 N Locust St, #123 Kansas City, MO 64118
Phone:
Website:
Info:

Jenkins & James Insurance Agency

Address: 5814 N Oak Tfwy Kansas City, MO 64118
Phone:
Website: http://www.jenkinsandjames.com
Info:

American Family Insurance - David E Cline

Address: 7684 North Oak Trafficway Kansas City, MO 64118
Phone:
Website: http://www.insurance-agency.amfam.com/MO/david-e-cline/default.aspx?sourceid=yp3
Info:

Allstate Insurance-Phyllis M. Turner

Address: 1420 NW Vivion Rd, #102 Kansas City, MO 64118
Phone:
Website: http://www.agent.allstate.com/81523
Info:

Housing Demographics for 64118

Population Review for 64118 Zip Code

For the city of Kansas City, the population within 64118 has increased to over 44,590 residents in population size. The current population total is 42,897. We have broken down the population based on race below. In 64118, there are over 20908 in male population and 21989 females.

PopulationValues
Total Population42,897
White Population30394
Black Population4671
Hispanic Population4285
Asian Population1389
Hawaiian Population370
Indian Population318
Other Population1367
Male Population20908
Female Population21989
Population Estimate44590

Household Data for 64118

The average number of homes in 64118 is around 18,472, there are an average of 2.32 per household. The average house value according to local real estate values is around $158,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode18,472
Persons Per Household2.32
Average House Value$158,900
Income Per Household$62980
Median Age35.9
Median Age Male34.6
Median Age Female37.4
64118 DetailsValues
StateMO
State Full NameMissouri
City TypeP
City Alias Abbreviation
Area Code816
CityKansas City
City Alias NameKANSAS CITY
CountyClay
County FIPS047
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 Businesses742
Number Of Employees7483
Business First Quarter Payroll65500
Business Annual Payroll292891
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|06
Congressional LandArea2424.85|18198.62
Delivery Residential19220
Delivery Business857
Delivery Total21136
Preferred Last Line KeyW16888
Classification Code
Multi-CountyY
CSA NameKansas City-Overland Park-Kansas City, MO-KS
CBSA_DIV_Name
City State KeyW16888
Land Area12.776000
Water Area0.017000
City Alias Code
City Mixed CaseKansas City
City Alias Mixed CaseKansas City
Box Count0
SFDU11714
MFDU2767
State ANSI29
County ANSI047
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number284218
Unique ZIP Name
SSA State County Code26230
Medicare CBSA Code28140
Medicare CBSA NameKansas City, MO-KS
Medicare CBSA TypeMetro
Market Rating Area ID3
County Mixed CaseClay

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 […]