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Homeowners Insurance in 65802

For homeowners living in 65802, you want more affordable home insurance rates in Springfield, right? Our rates are very competitive for homeowners living in the great city of Springfield, MO. Many homeowners living in the 65802 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the top home insurance companies that we will shop for you all in one place. Plus, our homeowners insurance quotes are free and our Missouri licensed agents can provide a free consultation service to you that allows you to ask questions about which policy and coverage option is best for you and your family. Get the home insurance protection you need and start a free home insurance quote today, simply click the "Get Multiple Quotes Now" button. Your 65802 should appear in the zip code field ready to go. Comparing Springfield, MO Home Insurance Quotes in your area, we can review the best rates and coverage options with multiple carriers to choose from.

65802 Home Insurance Costs Are Considered: High!

The overall cost of homeowners insurance on average for a standard HO-3 home insurance policy for homeowners living in Springfield pay around $991 per year. For affordable homeowners insurance, we have the best prices when it comes to comparing Missouri home insurance rates. At GetHomeInsuranceQuotes.com, we compare the most competitive companies then we let you review the most affordable rates and coverage options. Homeowners living in the 65802 zip code usually have questions about which coverage option is best. Our process is spam and hassle free so you can get your questions answer quickly and review the best home insurance policy for you. Most of all, Springfield homeowners enjoy saving up to 40% or even more when we apply all the discounts available. Let us help you shop and save on your Missouri home insurance premium today!

Get 65802 Homeowners Insurance Rates Now!

65802 Home Insurance Average Premiums

Local 65802 homeowners insurance quotes comparison

$741 /yr.

Shows Zip Code: 65802 lowest rates with discounts applied on average.

For the 65802, 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)
$741 /yr.
Average Coverage:$991 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1291 /yr.

What is the average home insurance cost for a home in 65802?

  • • The average homeowners insurance premium paid annually for a home in 65802 is around $991 per year.

What does it cost on average per month for home insurance in 65802?

  • • Homeowners in 65802 pay a monthly average cost per month around $83.00.

What kind of discount could I get if I combine my home and auto insurance together in 65802?

  • • Autoowners in 65802 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 Springfield area, check out other zip codes nearby 65802.
Review average rates in another zip code:
65810 homeowners insurance rates
65807 homeowners insurance rates
65802 homeowners insurance rates
65806 homeowners insurance rates
65804 homeowners insurance rates
65809 homeowners insurance rates
65803 homeowners insurance rates

Home Replacement Cost Coverage in 65802

Average Building Cost Per Square Foot in 65802: $122

Location: Springfield, Missouri (Greene County)

Average Square Footage in 65802: 1,016 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 65802 before you start any project. Springfield 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 65802 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 65802 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,016 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 Springfield 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$1221,016$124,000
Additional Upgrades & Added Features$1531,016$155,000
Major Home Updates or Advancements$1831,016$186,000

It's important to understand that when you estimate your replacement cost of your home in the 65802 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 65802

Best Home & Auto Insurance Agencies in 65802

Hefley- Burlin - State Farm Insurance Agent

Address: 1763 E Elm St Springfield, MO 65802
Phone:
Website: http://www.burlinhefley.com
Info:

Dents Unlimited

Address: 221 S National Ave Springfield, MO 65802
Phone:
Website: http://www.dentsunlimitedusa.com
Info:

Lloyd F Meacheam Ins Agcy Inc - State Farm Insurance Agent

Address: 1516 E Saint Louis St Springfield, MO 65802
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Hammock- Jeffery D - State Farm Insurance Agent

Address: 510 NW Bypass Springfield, MO 65802
Phone:
Website:
Info:

Hammons- Robert C

Address: 2953 E Chestnut Expy Springfield, MO 65802
Phone:
Website:
Info:

Housing Demographics for 65802

Population Review for 65802 Zip Code

For the city of Springfield, the population within 65802 has increased to over 48,736 residents in population size. The current population total is 48,233. We have broken down the population based on race below. In 65802, there are over 24010 in male population and 24223 females.

PopulationValues
Total Population48,233
White Population38859
Black Population2318
Hispanic Population3062
Asian Population529
Hawaiian Population75
Indian Population391
Other Population1256
Male Population24010
Female Population24223
Population Estimate48736

Household Data for 65802

The average number of homes in 65802 is around 19,223, there are an average of 2.35 per household. The average house value according to local real estate values is around $124,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode19,223
Persons Per Household2.35
Average House Value$124,000
Income Per Household$43778
Median Age34.3
Median Age Male33.8
Median Age Female34.9
65802 DetailsValues
StateMO
State Full NameMissouri
City TypeP
City Alias Abbreviation
Area Code417
CitySpringfield
City Alias NameSPRINGFIELD
CountyGreene
County FIPS077
State FIPS29
Time Zone6
Day Light SavingY
MSA7920
PMSA
CSA
CBSA44180
CBSA_DIV
CBSA_TypeMetro
CBSA_NameSpringfield, MO
MSA_NameSpringfield, MO MSA
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses1236
Number Of Employees39416
Business First Quarter Payroll471706
Business Annual Payroll1853654
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population436712
CBSA Division Population0
Congressional District07
Congressional LandArea6272.84
Delivery Residential20739
Delivery Business1501
Delivery Total22054
Preferred Last Line KeyW17989
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyW17989
Land Area61.415000
Water Area0.000000
City Alias Code
City Mixed CaseSpringfield
City Alias Mixed CaseSpringfield
Box Count0
SFDU17376
MFDU752
State ANSI29
County ANSI077
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number287530
Unique ZIP Name
SSA State County Code26380
Medicare CBSA Code44180
Medicare CBSA NameSpringfield, MO
Medicare CBSA TypeMetro
Market Rating Area ID8
County Mixed CaseGreene

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 […]