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Compare 65243 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Clark just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 881 neighbors looking to save on their home insurance policy in the local 65243 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 65243. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Missouri rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Clark, MO home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Clark, MO

65243 Home Insurance Average Premiums

Local 65243 homeowners insurance quotes comparison

$703 /yr.

Shows Zip Code: 65243 lowest rates with discounts applied on average.

For the 65243, 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)
$703 /yr.
Average Coverage:$953 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1253 /yr.

What is the average home insurance cost for a home in 65243?

  • • The average homeowners insurance premium paid annually for a home in 65243 is around $953 per year.

What does it cost on average per month for home insurance in 65243?

  • • Homeowners in 65243 pay a monthly average cost per month around $79.00.

What kind of discount could I get if I combine my home and auto insurance together in 65243?

  • • Autoowners in 65243 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 Clark area, check out other zip codes nearby 65243.
Review average rates in another zip code:
65243 homeowners insurance rates

Home Replacement Cost Coverage in 65243

Average Building Cost Per Square Foot in 65243: $122

Location: Clark, Missouri (Randolph County)

Average Square Footage in 65243: 1,271 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 65243 before you start any project. Clark 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 65243 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 65243 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,271 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 Clark 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$1221,271$155,100
Additional Upgrades & Added Features$1531,271$193,875
Major Home Updates or Advancements$1831,271$232,650

It's important to understand that when you estimate your replacement cost of your home in the 65243 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 65243

Best Home & Auto Insurance Agencies in 65243

Housing Demographics for 65243

Population Review for 65243 Zip Code

For the city of Clark, the population within 65243 has increased to over 2,954 residents in population size. The current population total is 2,734. We have broken down the population based on race below. In 65243, there are over 1427 in male population and 1307 females.

PopulationValues
Total Population2,734
White Population2591
Black Population14
Hispanic Population63
Asian Population6
Hawaiian Population0
Indian Population8
Other Population19
Male Population1427
Female Population1307
Population Estimate2954

Household Data for 65243

The average number of homes in 65243 is around 881, there are an average of 3.10 per household. The average house value according to local real estate values is around $155,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode881
Persons Per Household3.10
Average House Value$155,100
Income Per Household$54554
Median Age34.1
Median Age Male33.0
Median Age Female35.0
65243 DetailsValues
StateMO
State Full NameMissouri
City TypeP
City Alias Abbreviation
Area Code660/573
CityClark
City Alias NameCLARK
CountyRandolph
County FIPS175
State FIPS29
Time Zone6
Day Light SavingY
MSA
PMSA
CSA190
CBSA33620
CBSA_DIV
CBSA_TypeMicro
CBSA_NameMoberly, MO
MSA_Name
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses12
Number Of Employees43
Business First Quarter Payroll307
Business Annual Payroll1576
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population25414
CBSA Division Population0
Congressional District04|06
Congressional LandArea14401.38|18198.62
Delivery Residential953
Delivery Business5
Delivery Total1165
Preferred Last Line KeyW16181
Classification Code
Multi-CountyY
CSA NameColumbia-Jefferson City-Moberly, MO
CBSA_DIV_Name
City State KeyW16181
Land Area97.679000
Water Area0.205000
City Alias Code
City Mixed CaseClark
City Alias Mixed CaseClark
Box Count55
SFDU953
MFDU0
State ANSI29
County ANSI175
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number281530
Unique ZIP Name
SSA State County Code26870
Medicare CBSA Code99926
Medicare CBSA NameRural Areas in MO
Medicare CBSA TypeMicro
Market Rating Area ID5
County Mixed CaseRandolph

Missouri Homeowners Insurance News & Information

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  • 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 […]