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Searching for Homeowners Insurance in 64778
If you are a homeowners that lives in 64778 you may be searching for more affordable homeowners insurance in Richards. Insurance rates can change on a yearly basis so if your current insurer has raised your rates recently it may be time to shop your coverage and we can help.
GetHomeInsuranceQuotes.com makes shopping your insurance policy quick and easy for residents of Richards, MO. All you have to do is enter a bit of information about your home and we will gather 12 quotes from nationwide insurers, making sure that you get the best coverage levels and rates available.
Our Missouri licensed agents will provide a free consultation to make sure you are fully protected as well as answer any questions you may have about policy options. Insurance can be complicated so it pays to have a professional walk you through your various policy choices. As always, our service is free.
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You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Richards, MO home insurance quotes in your local city and review the most competitive coverages and premiums.
Check Out 64778 Home Insurance Costs: high!
In Richards, homeowners are paying roughly $996 per year for a HO-3 policy which is considered the standard for a single family home. In order to find the best policy at the best price, we compare rates from some of the most competitive insurers and present you with your best options for homeowners insurance coverage in 64778 zip code.
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64778 Home Insurance Average Premiums
$746 /yr.
Shows Zip Code: 64778 lowest rates with discounts applied on average.
For the 64778, 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) | $746 /yr. |
| Average Coverage: | $996 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1296 /yr. |
What is the average home insurance cost for a home in 64778?
- • The average homeowners insurance premium paid annually for a home in 64778 is around $996 per year.
What does it cost on average per month for home insurance in 64778?
- • Homeowners in 64778 pay a monthly average cost per month around $83.00.
What kind of discount could I get if I combine my home and auto insurance together in 64778?
- • Autoowners in 64778 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 Richards area, check out other zip codes nearby 64778.
Review average rates in another zip code:
64778 homeowners insurance rates
Home Replacement Cost Coverage in 64778
Average Building Cost Per Square Foot in 64778: $122
Location: Richards, Missouri (Vernon County)Average Square Footage in 64778: 738 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 64778 before you start any project. Richards 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 64778 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 64778 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 738 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 Richards 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $122 | 738 | $90,000 |
| Additional Upgrades & Added Features | $153 | 738 | $112,500 |
| Major Home Updates or Advancements | $183 | 738 | $135,000 |
It's important to understand that when you estimate your replacement cost of your home in the 64778 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 64778
Best Home & Auto Insurance Agencies in 64778
Housing Demographics for 64778
Population Review for 64778 Zip Code
For the city of Richards, the population within 64778 has increased to over 664 residents in population size. The current population total is 569. We have broken down the population based on race below. In 64778, there are over 279 in male population and 290 females.
| Population | Values |
|---|---|
| Total Population | 569 |
| White Population | 536 |
| Black Population | 1 |
| Hispanic Population | 8 |
| Asian Population | 0 |
| Hawaiian Population | 0 |
| Indian Population | 1 |
| Other Population | 3 |
| Male Population | 279 |
| Female Population | 290 |
| Population Estimate | 664 |
Household Data for 64778
The average number of homes in 64778 is around 197, there are an average of 2.89 per household. The average house value according to local real estate values is around $90,000. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 197 |
| Persons Per Household | 2.89 |
| Average House Value | $90,000 |
| Income Per Household | $59773 |
| Median Age | 38.5 |
| Median Age Male | 41.1 |
| Median Age Female | 37.0 |
| 64778 Details | Values |
|---|---|
| State | MO |
| State Full Name | Missouri |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 417 |
| City | Richards |
| City Alias Name | RICHARDS |
| County | Vernon |
| County FIPS | 217 |
| State FIPS | 29 |
| Time Zone | 6 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | |
| CBSA_DIV | |
| CBSA_Type | |
| CBSA_Name | |
| MSA_Name | |
| PMSA_Name | |
| Region | Midwest |
| Division | West North Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 6 |
| Number Of Employees | 28 |
| Business First Quarter Payroll | 247 |
| Business Annual Payroll | 1142 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 0 |
| CBSA Division Population | 0 |
| Congressional District | 04 |
| Congressional LandArea | 14401.38 |
| Delivery Residential | 230 |
| Delivery Business | 5 |
| Delivery Total | 330 |
| Preferred Last Line Key | W17663 |
| Classification Code | |
| Multi-County | |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | W17663 |
| Land Area | 114.884000 |
| Water Area | 1.676000 |
| City Alias Code | |
| City Mixed Case | Richards |
| City Alias Mixed Case | Richards |
| Box Count | 7 |
| SFDU | 230 |
| MFDU | 0 |
| State ANSI | 29 |
| County ANSI | 217 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 286780 |
| Unique ZIP Name | |
| SSA State County Code | 26990 |
| Medicare CBSA Code | 99926 |
| Medicare CBSA Name | Rural Areas in MO |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 4 |
| County Mixed Case | Vernon |
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