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65240 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 65240? There are over 3,163 occupied homes in the 65240 area. With a population size of 8,292, it's not uncommon for residence of Centralia, MO to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Missouri is around $989 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 65240 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Centralia, MO Home Insurance Rate Quotes

65240 Home Insurance Average Premiums

Local 65240 homeowners insurance quotes comparison

$739 /yr.

Shows Zip Code: 65240 lowest rates with discounts applied on average.

For the 65240, 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)
$739 /yr.
Average Coverage:$989 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1289 /yr.

What is the average home insurance cost for a home in 65240?

  • • The average homeowners insurance premium paid annually for a home in 65240 is around $989 per year.

What does it cost on average per month for home insurance in 65240?

  • • Homeowners in 65240 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 65240?

  • • Autoowners in 65240 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 Centralia area, check out other zip codes nearby 65240.
Review average rates in another zip code:
65240 homeowners insurance rates

Home Replacement Cost Coverage in 65240

Average Building Cost Per Square Foot in 65240: $122

Location: Centralia, Missouri (Boone County)

Average Square Footage in 65240: 1,198 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 65240 before you start any project. Centralia 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 65240 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 65240 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,198 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 Centralia 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$1221,198$146,200
Additional Upgrades & Added Features$1531,198$182,750
Major Home Updates or Advancements$1831,198$219,300

It's important to understand that when you estimate your replacement cost of your home in the 65240 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 65240

Best Home & Auto Insurance Agencies in 65240

American Family Insurance

Address: 108 S Rollins St Centralia, MO 65240
Phone:
Website:
Info:

Shelter Insurance

Address: 8995 Audrain Road 104 Centralia, MO 65240
Phone:
Website:
Info:

Housing Demographics for 65240

Population Review for 65240 Zip Code

For the city of Centralia, the population within 65240 has increased to over 8,564 residents in population size. The current population total is 8,292. We have broken down the population based on race below. In 65240, there are over 4070 in male population and 4222 females.

PopulationValues
Total Population8,292
White Population7717
Black Population82
Hispanic Population185
Asian Population24
Hawaiian Population6
Indian Population21
Other Population53
Male Population4070
Female Population4222
Population Estimate8564

Household Data for 65240

The average number of homes in 65240 is around 3,163, there are an average of 2.60 per household. The average house value according to local real estate values is around $146,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode3,163
Persons Per Household2.60
Average House Value$146,200
Income Per Household$63509
Median Age38.8
Median Age Male37.7
Median Age Female40.2
65240 DetailsValues
StateMO
State Full NameMissouri
City TypeP
City Alias Abbreviation
Area Code573
CityCentralia
City Alias NameCENTRALIA
CountyBoone
County FIPS019
State FIPS29
Time Zone6
Day Light SavingY
MSA1740
PMSA
CSA190
CBSA17860
CBSA_DIV
CBSA_TypeMetro
CBSA_NameColumbia, MO
MSA_NameColumbia, MO MSA
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses138
Number Of Employees1624
Business First Quarter Payroll16928
Business Annual Payroll71509
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population172786
CBSA Division Population0
Congressional District03|04|06
Congressional LandArea6851.54|14401.38|18198.62
Delivery Residential3294
Delivery Business155
Delivery Total3627
Preferred Last Line KeyW16149
Classification Code
Multi-CountyY
CSA NameColumbia-Jefferson City-Moberly, MO
CBSA_DIV_Name
City State KeyW16149
Land Area180.137000
Water Area0.685000
City Alias Code
City Mixed CaseCentralia
City Alias Mixed CaseCentralia
Box Count83
SFDU3151
MFDU0
State ANSI29
County ANSI019
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number281434
Unique ZIP Name
SSA State County Code26090
Medicare CBSA Code17860
Medicare CBSA NameColumbia, MO
Medicare CBSA TypeMetro
Market Rating Area ID5
County Mixed CaseBoone

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 […]