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64505 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 64505 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 Saint Joseph, MO quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 64505.

Shopping for insurance quotes on GetHomeInsuranceQuotes.com is always free and we will provide you with a free consultation to answer any questions you may have about coverages and rates.

If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 64505 and start shopping.

Quickly and Easily Compare Average Rates for 64505

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

Average Policy Rates in 64505

Homeowners in Saint Joseph are paying roughly $983 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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64505 Home Insurance Average Premiums

Local 64505 homeowners insurance quotes comparison

$733 /yr.

Shows Zip Code: 64505 lowest rates with discounts applied on average.

For the 64505, 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)		$733 /yr.
Average Coverage:$983 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1283 /yr.

What is the average home insurance cost for a home in 64505?

  • • The average homeowners insurance premium paid annually for a home in 64505 is around $983 per year.

What does it cost on average per month for home insurance in 64505?

  • • Homeowners in 64505 pay a monthly average cost per month around $82.00.

What kind of discount could I get if I combine my home and auto insurance together in 64505?

  • • Autoowners in 64505 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 Saint Joseph area, check out other zip codes nearby 64505.
Review average rates in another zip code:
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64505 homeowners insurance rates

Home Replacement Cost Coverage in 64505

Average Building Cost Per Square Foot in 64505: $122

Location: Saint Joseph, Missouri (Buchanan County)

Average Square Footage in 64505: 1,192 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 64505 before you start any project. Saint Joseph 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 64505 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 64505 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,192 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 Saint Joseph 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$1221,192$145,400
Additional Upgrades & Added Features$1531,192$181,750
Major Home Updates or Advancements$1831,192$218,100

It's important to understand that when you estimate your replacement cost of your home in the 64505 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 64505

Best Home & Auto Insurance Agencies in 64505

American Family Insurance- Tom C Lemmon

Address: 2524 Saint Joseph Ave St Joseph, MO 64505
Phone:
Website: http://www.amfam.com/
Info:

Housing Demographics for 64505

Population Review for 64505 Zip Code

For the city of Saint Joseph, the population within 64505 has increased to over 13,884 residents in population size. The current population total is 13,261. We have broken down the population based on race below. In 64505, there are over 6490 in male population and 6771 females.

PopulationValues
Total Population13,261
White Population11699
Black Population341
Hispanic Population599
Asian Population106
Hawaiian Population20
Indian Population65
Other Population204
Male Population6490
Female Population6771
Population Estimate13884

Household Data for 64505

The average number of homes in 64505 is around 5,344, there are an average of 2.46 per household. The average house value according to local real estate values is around $145,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,344
Persons Per Household2.46
Average House Value$145,400
Income Per Household$61508
Median Age41.2
Median Age Male40.2
Median Age Female42.0
64505 DetailsValues
StateMO
State Full NameMissouri
City TypeP
City Alias Abbreviation
Area Code816
CitySaint Joseph
City Alias NameSAINT JOSEPH
CountyBuchanan
County FIPS021
State FIPS29
Time Zone6
Day Light SavingY
MSA7000
PMSA
CSA312
CBSA41140
CBSA_DIV
CBSA_TypeMetro
CBSA_NameSt. Joseph, MO-KS
MSA_NameSt. Joseph, MO MSA
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses181
Number Of Employees1387
Business First Quarter Payroll13579
Business Annual Payroll60272
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population127329
CBSA Division Population0
Congressional District06
Congressional LandArea18198.62
Delivery Residential5644
Delivery Business204
Delivery Total5946
Preferred Last Line KeyW17767
Classification Code
Multi-CountyY
CSA NameKansas City-Overland Park-Kansas City, MO-KS
CBSA_DIV_Name
City State KeyW17767
Land Area45.647000
Water Area0.616000
City Alias Code
City Mixed CaseSaint Joseph
City Alias Mixed CaseSaint Joseph
Box Count5
SFDU5332
MFDU12
State ANSI29
County ANSI021
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number287134
Unique ZIP Name
SSA State County Code26100
Medicare CBSA Code41140
Medicare CBSA NameSt. Joseph, MO-KS
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseBuchanan

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 […]