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65656 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 65656 zip code it's important to know that our rates are very competitive for homeowners living in Galena, MO. Many homeowners based out of your 65656 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Missouri licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 65656 should appear in the zip code field ready to go. For Galena, MO Homeowners Insurance Quotes nearby, we offer the best rates and service.

65656: Average Home Insurance Rates

For homeowners living in the great city of Galena, the average homeowners policy is considered high in comparison to other states. Missouri premiums are estimated to be around $962 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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65656 Home Insurance Average Premiums

Local 65656 homeowners insurance quotes comparison

$712 /yr.

Shows Zip Code: 65656 lowest rates with discounts applied on average.

For the 65656, 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)		$712 /yr.
Average Coverage:$962 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1262 /yr.

What is the average home insurance cost for a home in 65656?

  • • The average homeowners insurance premium paid annually for a home in 65656 is around $962 per year.

What does it cost on average per month for home insurance in 65656?

  • • Homeowners in 65656 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 65656?

  • • Autoowners in 65656 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 Galena area, check out other zip codes nearby 65656.
Review average rates in another zip code:
65656 homeowners insurance rates

Home Replacement Cost Coverage in 65656

Average Building Cost Per Square Foot in 65656: $122

Location: Galena, Missouri (Stone County)

Average Square Footage in 65656: 1,602 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 65656 before you start any project. Galena 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 65656 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 65656 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,602 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 Galena 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$1221,602$195,500
Additional Upgrades & Added Features$1531,602$244,375
Major Home Updates or Advancements$1831,602$293,250

It's important to understand that when you estimate your replacement cost of your home in the 65656 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 65656

Best Home & Auto Insurance Agencies in 65656

Housing Demographics for 65656

Population Review for 65656 Zip Code

For the city of Galena, the population within 65656 has increased to over 5,473 residents in population size. The current population total is 4,684. We have broken down the population based on race below. In 65656, there are over 2395 in male population and 2289 females.

PopulationValues
Total Population4,684
White Population4282
Black Population12
Hispanic Population128
Asian Population12
Hawaiian Population4
Indian Population44
Other Population37
Male Population2395
Female Population2289
Population Estimate5473

Household Data for 65656

The average number of homes in 65656 is around 1,885, there are an average of 2.48 per household. The average house value according to local real estate values is around $195,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,885
Persons Per Household2.48
Average House Value$195,500
Income Per Household$55473
Median Age49.9
Median Age Male48.6
Median Age Female51.3
65656 DetailsValues
StateMO
State Full NameMissouri
City TypeP
City Alias Abbreviation
Area Code417
CityGalena
City Alias NameGALENA
CountyStone
County FIPS209
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 Businesses65
Number Of Employees338
Business First Quarter Payroll2585
Business Annual Payroll12213
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 District07
Congressional LandArea6272.84
Delivery Residential2207
Delivery Business24
Delivery Total2380
Preferred Last Line KeyW16554
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyW16554
Land Area114.197000
Water Area5.061000
City Alias Code
City Mixed CaseGalena
City Alias Mixed CaseGalena
Box Count113
SFDU2206
MFDU0
State ANSI29
County ANSI209
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number282958
Unique ZIP Name
SSA State County Code26986
Medicare CBSA Code99926
Medicare CBSA NameRural Areas in MO
Medicare CBSA TypeMicro
Market Rating Area ID8
County Mixed CaseStone

Missouri Homeowners Insurance News & Information

  • Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024

    Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies.  Here are some common exclusions that could leave you […]

  • 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 […]