Get multiple home insurance quotes in 65283. Our licensed 65283, MO agents are ready to serve you.

65283 Home Insurance Rates & Premiums

Did you know there are over 459 people living within the 65283 zip code area? There are over 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 65283.

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 $1,029 a year for a standard homeowners insurance policy in Stoutsville. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Stoutsville, MO Homeowners Insurance Quotes Online

65283 Home Insurance Average Premiums

Local 65283 homeowners insurance quotes comparison

$779 /yr.

Shows Zip Code: 65283 lowest rates with discounts applied on average.

For the 65283, 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)		$779 /yr.
Average Coverage:$1029 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1329 /yr.

What is the average home insurance cost for a home in 65283?

  • • The average homeowners insurance premium paid annually for a home in 65283 is around $1029 per year.

What does it cost on average per month for home insurance in 65283?

  • • Homeowners in 65283 pay a monthly average cost per month around $86.00.

What kind of discount could I get if I combine my home and auto insurance together in 65283?

  • • Autoowners in 65283 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 Stoutsville area, check out other zip codes nearby 65283.
Review average rates in another zip code:
65283 homeowners insurance rates

Home Replacement Cost Coverage in 65283

Average Building Cost Per Square Foot in 65283: $122

Location: Stoutsville, Missouri (Monroe County)

Average Square Footage in 65283: 1,715 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 65283 before you start any project. Stoutsville 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 65283 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 65283 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,715 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 Stoutsville 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$1221,715$209,200
Additional Upgrades & Added Features$1531,715$261,500
Major Home Updates or Advancements$1831,715$313,800

It's important to understand that when you estimate your replacement cost of your home in the 65283 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 65283

Best Home & Auto Insurance Agencies in 65283

Housing Demographics for 65283

Population Review for 65283 Zip Code

For the city of Stoutsville, the population within 65283 has increased to over 688 residents in population size. The current population total is 459. We have broken down the population based on race below. In 65283, there are over 230 in male population and 229 females.

PopulationValues
Total Population459
White Population430
Black Population1
Hispanic Population8
Asian Population2
Hawaiian Population0
Indian Population3
Other Population1
Male Population230
Female Population229
Population Estimate688

Household Data for 65283

The average number of homes in 65283 is around 207, there are an average of 2.22 per household. The average house value according to local real estate values is around $209,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode207
Persons Per Household2.22
Average House Value$209,200
Income Per Household$44191
Median Age60.0
Median Age Male60.3
Median Age Female59.4
65283 DetailsValues
StateMO
State Full NameMissouri
City TypeP
City Alias Abbreviation
Area Code573
CityStoutsville
City Alias NameSTOUTSVILLE
CountyMonroe
County FIPS137
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 Businesses4
Number Of Employees11
Business First Quarter Payroll127
Business Annual Payroll478
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 District06
Congressional LandArea18198.62
Delivery Residential310
Delivery Business12
Delivery Total325
Preferred Last Line KeyW18350
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyW18350
Land Area54.464000
Water Area14.005000
City Alias Code
City Mixed CaseStoutsville
City Alias Mixed CaseStoutsville
Box Count2
SFDU310
MFDU0
State ANSI29
County ANSI137
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number287668
Unique ZIP Name
SSA State County Code26680
Medicare CBSA Code99926
Medicare CBSA NameRural Areas in MO
Medicare CBSA TypeMicro
Market Rating Area ID5
County Mixed CaseMonroe

Missouri Homeowners Insurance News & Information

  • Can $600 Million Help Lower Florida Homeowners Insurance Rates? Posted on Friday 14th February, 2025

    Family relax on the couch. Happy beautiful young parents are smiling, hugging and playing with them kids at home together Governor DeSantis recently asked the legislature for over $600 million to help lower homeowners insurance in his 2025-26 budget request. The budget proposal asks for $590 million to go towards the My Safe Florida Home […]

  • North Carolina Homeowners’ Insurance Premiums May See a 15% Increase Posted on Thursday 23rd January, 2025

    The base rate for North Carolina homeowners insurance will be headed up by an average of 15% by the middle of 2026. The rate increases are part of a settlement that was reached with the insurance industry by the North Carolina Insurance Department. The state Insurance Commissioner Mike Causey recently announced the rate increase agreement […]

  • 2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025

    While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future.  According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]