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65350 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 65350? There are over 632 occupied homes in the 65350 area. With a population size of 1,681, it's not uncommon for residence of Smithton, 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 $1,017 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 65350 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: Smithton, MO Home Insurance Rate Quotes

65350 Home Insurance Average Premiums

Local 65350 homeowners insurance quotes comparison

$767 /yr.

Shows Zip Code: 65350 lowest rates with discounts applied on average.

For the 65350, 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)		$767 /yr.
Average Coverage:$1017 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1317 /yr.

What is the average home insurance cost for a home in 65350?

  • • The average homeowners insurance premium paid annually for a home in 65350 is around $1017 per year.

What does it cost on average per month for home insurance in 65350?

  • • Homeowners in 65350 pay a monthly average cost per month around $85.00.

What kind of discount could I get if I combine my home and auto insurance together in 65350?

  • • Autoowners in 65350 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 Smithton area, check out other zip codes nearby 65350.
Review average rates in another zip code:
65350 homeowners insurance rates

Home Replacement Cost Coverage in 65350

Average Building Cost Per Square Foot in 65350: $122

Location: Smithton, Missouri (Pettis County)

Average Square Footage in 65350: 1,507 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 65350 before you start any project. Smithton 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 65350 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 65350 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,507 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 Smithton 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$1221,507$183,800
Additional Upgrades & Added Features$1531,507$229,750
Major Home Updates or Advancements$1831,507$275,700

It's important to understand that when you estimate your replacement cost of your home in the 65350 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 65350

Best Home & Auto Insurance Agencies in 65350

Housing Demographics for 65350

Population Review for 65350 Zip Code

For the city of Smithton, the population within 65350 has increased to over 1,534 residents in population size. The current population total is 1,681. We have broken down the population based on race below. In 65350, there are over 845 in male population and 836 females.

PopulationValues
Total Population1,681
White Population1543
Black Population0
Hispanic Population52
Asian Population9
Hawaiian Population2
Indian Population11
Other Population30
Male Population845
Female Population836
Population Estimate1534

Household Data for 65350

The average number of homes in 65350 is around 632, there are an average of 2.65 per household. The average house value according to local real estate values is around $183,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode632
Persons Per Household2.65
Average House Value$183,800
Income Per Household$53750
Median Age41.2
Median Age Male39.1
Median Age Female43.3
65350 DetailsValues
StateMO
State Full NameMissouri
City TypeP
City Alias Abbreviation
Area Code660
CitySmithton
City Alias NameSMITHTON
CountyPettis
County FIPS159
State FIPS29
Time Zone6
Day Light SavingY
MSA
PMSA
CSA
CBSA42740
CBSA_DIV
CBSA_TypeMicro
CBSA_NameSedalia, MO
MSA_Name
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses20
Number Of Employees137
Business First Quarter Payroll1128
Business Annual Payroll5254
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population42201
CBSA Division Population0
Congressional District03|04
Congressional LandArea6851.54|14401.38
Delivery Residential579
Delivery Business7
Delivery Total745
Preferred Last Line KeyW17939
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyW17939
Land Area63.930000
Water Area0.264000
City Alias Code
City Mixed CaseSmithton
City Alias Mixed CaseSmithton
Box Count93
SFDU571
MFDU0
State ANSI29
County ANSI159
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number287440
Unique ZIP Name
SSA State County Code26790
Medicare CBSA Code99926
Medicare CBSA NameRural Areas in MO
Medicare CBSA TypeMicro
Market Rating Area ID4
County Mixed CasePettis

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 […]