Home Insurance in 64482

Our rates are very competitive for homeowners living in the 64482 zip code. Many homeowners based out of Rock Port, MO 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 MO 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 64482 should appear in the zip code field ready to go.

64482 Average Home Insurance Rates

Are you looking for a standard HO-3 homeowners policy for your single family home in the Rock Port area? The average homeowners premium in 64482 is high in comparison to other states. For example, the national average is $1,249 per year for home insurance coverage for a basic home insurance policy. For homeowners living in the 64482, you can expect to pay around $950 per year for homeowners coverage. If you want to see which company has the best rates and coverage options, than easily compare rates with us. You can review each premium and we can help explain any question that you may have about different types of coverages and what is best for you and your family.

Get Home Insurance Coverage in 64482 Today!

Get Home Insurance Quotes in 64482

We can shop up to 12 home insurance quotes for you easily online. You can find out more by exploring one of the three links below to review average homeowners insurance rates in the great state of Missouri. Start your 64482 home insurance shopping today!

1. Rock Port, MO Home Insurance Quotes

Average Building Cost Per Square Foot in 64482: $122

Average Square Footage in 64482: 844 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 64482 before you start any project. Rock Port 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 64482 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 64482 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 844 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 Rock Port 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.

It's important to understand that when you estimate your replacement cost of your home in the 64482 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.

Andrews- William L - State Farm Insurance Agent

Andrews- Bill Agent

Shelter Insurance

Shelter Insurance Agent

Household Data for 64482

The average number of homes in 64482 is around 852, there are an average of 2.21 per household. The average house value according to local real estate values is around $103,000. Please review the following demographics below for average income and media age.

• $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 […]