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64661 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 64661 zip code it's important to know that our rates are very competitive for homeowners living in Mercer, MO. Many homeowners based out of your 64661 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 64661 should appear in the zip code field ready to go. For Mercer, MO Homeowners Insurance Quotes nearby, we offer the best rates and service.

64661: Average Home Insurance Rates

For homeowners living in the great city of Mercer, the average homeowners policy is considered high in comparison to other states. Missouri premiums are estimated to be around $960 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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64661 Home Insurance Average Premiums

Local 64661 homeowners insurance quotes comparison

$710 /yr.

Shows Zip Code: 64661 lowest rates with discounts applied on average.

For the 64661, 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)		$710 /yr.
Average Coverage:$960 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1260 /yr.

What is the average home insurance cost for a home in 64661?

  • • The average homeowners insurance premium paid annually for a home in 64661 is around $960 per year.

What does it cost on average per month for home insurance in 64661?

  • • Homeowners in 64661 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 64661?

  • • Autoowners in 64661 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 Mercer area, check out other zip codes nearby 64661.
Review average rates in another zip code:
64661 homeowners insurance rates

Home Replacement Cost Coverage in 64661

Average Building Cost Per Square Foot in 64661: $122

Location: Mercer, Missouri (Mercer County)

Average Square Footage in 64661: 640 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 64661 before you start any project. Mercer 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 64661 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 64661 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 640 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 Mercer 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$122640$78,100
Additional Upgrades & Added Features$153640$97,625
Major Home Updates or Advancements$183640$117,150

It's important to understand that when you estimate your replacement cost of your home in the 64661 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 64661

Best Home & Auto Insurance Agencies in 64661

Housing Demographics for 64661

Population Review for 64661 Zip Code

For the city of Mercer, the population within 64661 has increased to over 766 residents in population size. The current population total is 691. We have broken down the population based on race below. In 64661, there are over 362 in male population and 329 females.

PopulationValues
Total Population691
White Population668
Black Population0
Hispanic Population8
Asian Population0
Hawaiian Population0
Indian Population3
Other Population0
Male Population362
Female Population329
Population Estimate766

Household Data for 64661

The average number of homes in 64661 is around 282, there are an average of 2.45 per household. The average house value according to local real estate values is around $78,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode282
Persons Per Household2.45
Average House Value$78,100
Income Per Household$45972
Median Age45.2
Median Age Male45.3
Median Age Female45.1
64661 DetailsValues
StateMO
State Full NameMissouri
City TypeP
City Alias Abbreviation
Area Code660
CityMercer
City Alias NameMERCER
CountyMercer
County FIPS129
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 Businesses15
Number Of Employees87
Business First Quarter Payroll596
Business Annual Payroll3223
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 Residential313
Delivery Business10
Delivery Total393
Preferred Last Line KeyW17235
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyW17235
Land Area99.531000
Water Area0.095000
City Alias Code
City Mixed CaseMercer
City Alias Mixed CaseMercer
Box Count62
SFDU313
MFDU0
State ANSI29
County ANSI129
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number285220
Unique ZIP Name
SSA State County Code26631
Medicare CBSA Code99926
Medicare CBSA NameRural Areas in MO
Medicare CBSA TypeMicro
Market Rating Area ID1
County Mixed CaseMercer

Missouri Homeowners Insurance News & Information

  • 2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025

    While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future.  According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]

  • Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025

    Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]

  • 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 […]