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64481 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 64481 zip code it's important to know that our rates are very competitive for homeowners living in Ridgeway, MO. Many homeowners based out of your 64481 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Missouri licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 64481 should appear in the zip code field ready to go. For Ridgeway, MO Homeowners Insurance Quotes nearby, we offer the best rates and service.

64481: Average Home Insurance Rates

For homeowners living in the great city of Ridgeway, the average homeowners policy is considered high in comparison to other states. Missouri premiums are estimated to be around $958 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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64481 Home Insurance Average Premiums

Local 64481 homeowners insurance quotes comparison

$708 /yr.

Shows Zip Code: 64481 lowest rates with discounts applied on average.

For the 64481, 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)		$708 /yr.
Average Coverage:$958 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1258 /yr.

What is the average home insurance cost for a home in 64481?

  • • The average homeowners insurance premium paid annually for a home in 64481 is around $958 per year.

What does it cost on average per month for home insurance in 64481?

  • • Homeowners in 64481 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 64481?

  • • Autoowners in 64481 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 Ridgeway area, check out other zip codes nearby 64481.
Review average rates in another zip code:
64481 homeowners insurance rates

Home Replacement Cost Coverage in 64481

Average Building Cost Per Square Foot in 64481: $122

Location: Ridgeway, Missouri (Harrison County)

Average Square Footage in 64481: 608 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 64481 before you start any project. Ridgeway 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 64481 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 64481 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 608 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 Ridgeway 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$122608$74,200
Additional Upgrades & Added Features$153608$92,750
Major Home Updates or Advancements$183608$111,300

It's important to understand that when you estimate your replacement cost of your home in the 64481 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 64481

Best Home & Auto Insurance Agencies in 64481

Housing Demographics for 64481

Population Review for 64481 Zip Code

For the city of Ridgeway, the population within 64481 has increased to over 1,076 residents in population size. The current population total is 945. We have broken down the population based on race below. In 64481, there are over 474 in male population and 471 females.

PopulationValues
Total Population945
White Population879
Black Population2
Hispanic Population11
Asian Population2
Hawaiian Population2
Indian Population3
Other Population2
Male Population474
Female Population471
Population Estimate1076

Household Data for 64481

The average number of homes in 64481 is around 381, there are an average of 2.48 per household. The average house value according to local real estate values is around $74,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode381
Persons Per Household2.48
Average House Value$74,200
Income Per Household$46667
Median Age47.7
Median Age Male48.2
Median Age Female47.5
64481 DetailsValues
StateMO
State Full NameMissouri
City TypeP
City Alias Abbreviation
Area Code660
CityRidgeway
City Alias NameRIDGEWAY
CountyHarrison
County FIPS081
State FIPS29
Time Zone6
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses6
Number Of Employees20
Business First Quarter Payroll156
Business Annual Payroll666
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District06
Congressional LandArea18198.62
Delivery Residential434
Delivery Business8
Delivery Total484
Preferred Last Line KeyW17675
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyW17675
Land Area128.052000
Water Area1.030000
City Alias Code
City Mixed CaseRidgeway
City Alias Mixed CaseRidgeway
Box Count32
SFDU434
MFDU0
State ANSI29
County ANSI081
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number286822
Unique ZIP Name
SSA State County Code26400
Medicare CBSA Code99926
Medicare CBSA NameRural Areas in MO
Medicare CBSA TypeMicro
Market Rating Area ID1
County Mixed CaseHarrison

Missouri Homeowners Insurance News & Information

  • Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024

    Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies.  Here are some common exclusions that could leave you […]

  • 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 […]