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65065 Home Insurance Rates & Premiums

Did you know there are over 6,881 people living within the 65065 zip code area? There are over 3,207 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 65065.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-913-276-4017, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Missouri are on the rise. The estimated average premium is around $985 a year for a standard homeowners insurance policy in Osage Beach. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Osage Beach, MO Homeowners Insurance Quotes Online

65065 Home Insurance Average Premiums

Local 65065 homeowners insurance quotes comparison

$735 /yr.

Shows Zip Code: 65065 lowest rates with discounts applied on average.

For the 65065, 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)		$735 /yr.
Average Coverage:$985 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1285 /yr.

What is the average home insurance cost for a home in 65065?

  • • The average homeowners insurance premium paid annually for a home in 65065 is around $985 per year.

What does it cost on average per month for home insurance in 65065?

  • • Homeowners in 65065 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 65065?

  • • Autoowners in 65065 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 Osage Beach area, check out other zip codes nearby 65065.
Review average rates in another zip code:
65065 homeowners insurance rates

Home Replacement Cost Coverage in 65065

Average Building Cost Per Square Foot in 65065: $122

Location: Osage Beach, Missouri (Camden County)

Average Square Footage in 65065: 2,189 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 65065 before you start any project. Osage Beach 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 65065 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 65065 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,189 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 Osage Beach 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$1222,189$267,100
Additional Upgrades & Added Features$1532,189$333,875
Major Home Updates or Advancements$1832,189$400,650

It's important to understand that when you estimate your replacement cost of your home in the 65065 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 65065

Best Home & Auto Insurance Agencies in 65065

Byler- Darrell L

Address: 4681 Highway 54 Osage Beach, MO 65065
Phone:
Website:
Info:

Housing Demographics for 65065

Population Review for 65065 Zip Code

For the city of Osage Beach, the population within 65065 has increased to over 8,234 residents in population size. The current population total is 6,881. We have broken down the population based on race below. In 65065, there are over 3397 in male population and 3484 females.

PopulationValues
Total Population6,881
White Population6031
Black Population104
Hispanic Population410
Asian Population89
Hawaiian Population4
Indian Population30
Other Population145
Male Population3397
Female Population3484
Population Estimate8234

Household Data for 65065

The average number of homes in 65065 is around 3,207, there are an average of 2.08 per household. The average house value according to local real estate values is around $267,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode3,207
Persons Per Household2.08
Average House Value$267,100
Income Per Household$55101
Median Age51.9
Median Age Male51.4
Median Age Female52.8
65065 DetailsValues
StateMO
State Full NameMissouri
City TypeP
City Alias Abbreviation
Area Code573
CityOsage Beach
City Alias NameOSAGE BEACH
CountyCamden
County FIPS029
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 Businesses635
Number Of Employees7698
Business First Quarter Payroll67781
Business Annual Payroll323170
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 District03|04
Congressional LandArea6851.54|14401.38
Delivery Residential3959
Delivery Business665
Delivery Total5187
Preferred Last Line KeyW17456
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyW17456
Land Area16.519000
Water Area5.553000
City Alias Code
City Mixed CaseOsage Beach
City Alias Mixed CaseOsage Beach
Box Count493
SFDU2641
MFDU25
State ANSI29
County ANSI029
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number286036
Unique ZIP Name
SSA State County Code26140
Medicare CBSA Code99926
Medicare CBSA NameRural Areas in MO
Medicare CBSA TypeMicro
Market Rating Area ID5
County Mixed CaseCamden

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 […]