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Home Insurance in 65085

If your primary reason for shopping for homeowners insurance in the 65085 zip code is based primarily on the rising cost of your home insurance premium. Then, it's imporant to know that our rates are very competitive for homeowners living in Westphalia, MO. Many homeowners that live in the 65085 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase up to 12 carriers that we will shop for you. Plus, our home insurance quotes are free and our Missouri licensed agents can also provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free homeowners insurance quote, simply click the "Get Multiple Quotes Now" button at the top. Your 65085 zip code should already appear in the zip code field ready to go. For Westphalia, MO Homeowners Insurance Quotes, Click to easily get started!

Average Homeowners Premiums in 65085

Homeowners living in the city of Westphalia are paying on average around $960 per year for homeowners insurance coverage. This estimated premium is based on a standard HO-3 policy which covers the basic requirements if your home was ever damaged. This is also a minimum requirement by mortgage lenders if there is a lien on your home. A basic policy will cover your home, contents, loss of use, liability and medical payments. It's important to know that homes in the 65085 zip code with a standard homeowners policy does not cover flood damage. You will need to purchase a seperate flood policy to add this additional coverage. Missouri home insurance premiums have been recently ranked 20 in the country in terms of the annual cost of premiums. Because premiums in 65085 are higher compared to other states it is always a good idea to shop your home insurance coverage. Our online quoting application can easily help you compare the best rates and coverage options.

Easily Compare 65085 Home Insurance Quotes Now!

We enjoy helping you do two very important things: First, we like to help you save more money per year on your homeowners insurance. Second, we like to help you learn about the best coverage options for your home in Westphalia. It is possible to pay a lower premium and get more enhanced coverage. Let us help you shop your home insurance premiums today!

65085 Home Insurance Average Premiums

Local 65085 homeowners insurance quotes comparison

$710 /yr.

Shows Zip Code: 65085 lowest rates with discounts applied on average.

For the 65085, 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 65085?

  • • The average homeowners insurance premium paid annually for a home in 65085 is around $960 per year.

What does it cost on average per month for home insurance in 65085?

  • • Homeowners in 65085 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 65085?

  • • Autoowners in 65085 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 Westphalia area, check out other zip codes nearby 65085.
Review average rates in another zip code:
65085 homeowners insurance rates

Home Replacement Cost Coverage in 65085

Average Building Cost Per Square Foot in 65085: $122

Location: Westphalia, Missouri (Osage County)

Average Square Footage in 65085: 1,829 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 65085 before you start any project. Westphalia 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 65085 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 65085 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,829 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 Westphalia 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$1221,829$223,100
Additional Upgrades & Added Features$1531,829$278,875
Major Home Updates or Advancements$1831,829$334,650

It's important to understand that when you estimate your replacement cost of your home in the 65085 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 65085

Best Home & Auto Insurance Agencies in 65085

Wolfe, Jeff - Shelter Insurance

Address: 201 E Main St Westphalia, MO 65085
Phone:
Website: http://www.shelterinsurance.com/CA/agent/JEFFWOLFE
Info:

American Family Insurance- Mike McDaniel Agency Incorporated

Address: 204 E Main St Westphalia, MO 65085
Phone:
Website: http://www.amfam.com/
Info:

Housing Demographics for 65085

Population Review for 65085 Zip Code

For the city of Westphalia, the population within 65085 has increased to over 970 residents in population size. The current population total is 1,165. We have broken down the population based on race below. In 65085, there are over 582 in male population and 583 females.

PopulationValues
Total Population1,165
White Population1133
Black Population1
Hispanic Population11
Asian Population1
Hawaiian Population1
Indian Population2
Other Population1
Male Population582
Female Population583
Population Estimate970

Household Data for 65085

The average number of homes in 65085 is around 437, there are an average of 2.50 per household. The average house value according to local real estate values is around $223,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode437
Persons Per Household2.50
Average House Value$223,100
Income Per Household$78333
Median Age42.1
Median Age Male42.1
Median Age Female42.1
65085 DetailsValues
StateMO
State Full NameMissouri
City TypeP
City Alias Abbreviation
Area Code573
CityWestphalia
City Alias NameWESTPHALIA
CountyOsage
County FIPS151
State FIPS29
Time Zone6
Day Light SavingY
MSA
PMSA
CSA190
CBSA27620
CBSA_DIV
CBSA_TypeMetro
CBSA_NameJefferson City, MO
MSA_Name
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses30
Number Of Employees300
Business First Quarter Payroll2415
Business Annual Payroll11430
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population149807
CBSA Division Population0
Congressional District03
Congressional LandArea6851.54
Delivery Residential388
Delivery Business7
Delivery Total800
Preferred Last Line KeyW18634
Classification Code
Multi-County
CSA NameColumbia-Jefferson City-Moberly, MO
CBSA_DIV_Name
City State KeyW18634
Land Area57.050000
Water Area0.870000
City Alias Code
City Mixed CaseWestphalia
City Alias Mixed CaseWestphalia
Box Count182
SFDU372
MFDU0
State ANSI29
County ANSI151
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number288424
Unique ZIP Name
SSA State County Code26750
Medicare CBSA Code27620
Medicare CBSA NameJefferson City, MO
Medicare CBSA TypeMetro
Market Rating Area ID5
County Mixed CaseOsage

Missouri Homeowners Insurance News & Information

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    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 […]