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65804 Home Insurance Rates

Getting multiple homeowners insurance rates in 65804 is the best way to review and compare all the coverage options available for you, your home and your family. Our homeowners rates are very competitive for homeowners living in the great city of Springfield, MO. Many homeowners based out of the 65804 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. We can compare up to 12 competitive home insurance rates for you all in one place. Plus, our home insurance quotes are free and our Missouri licensed home insurance professionals can provide a free consultation service to you that allows you to ask questions about which policy and coverage package is best for you. To get free home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 65804 should appear in the zip code field ready to go. For Springfield, MO Home Insurance Quotes, Click to easily get started!

65804 Homeowners Insurance Rates, Average Rating: High!

Your homeowners insurance policy in 65804 consists of both property and casualty insurance coverage. This type of policy will insure your home against a variety of risks, including fire, theft and windstorm damage. Additional protection is also included in most policies that offer liability coverage against accidents that may injure other people on your property in Springfield. For a basic HO-3, standard homeowners policy, the average premium per year in Missouri is around $954. By shopping your home insurance with us at GetHomeInsuranceQuotes.com, we can help you compare the most affordable rates and enhanced coverage options. Please enter your 65804 zip code today and let us help you save time and money on your homeowners insurance premium.

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65804 Home Insurance Average Premiums

Local 65804 homeowners insurance quotes comparison

$704 /yr.

Shows Zip Code: 65804 lowest rates with discounts applied on average.

For the 65804, 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)
$704 /yr.
Average Coverage:$954 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1254 /yr.

What is the average home insurance cost for a home in 65804?

  • • The average homeowners insurance premium paid annually for a home in 65804 is around $954 per year.

What does it cost on average per month for home insurance in 65804?

  • • Homeowners in 65804 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 65804?

  • • Autoowners in 65804 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 65804.
Review average rates in another zip code:
65809 homeowners insurance rates
65807 homeowners insurance rates
65802 homeowners insurance rates
65803 homeowners insurance rates
65810 homeowners insurance rates
65806 homeowners insurance rates
65804 homeowners insurance rates

Home Replacement Cost Coverage in 65804

Average Building Cost Per Square Foot in 65804: $122

Location: Springfield, Missouri (Greene County)

Average Square Footage in 65804: 1,413 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 65804 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 65804 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 65804 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,413 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$1221,413$172,400
Additional Upgrades & Added Features$1531,413$215,500
Major Home Updates or Advancements$1831,413$258,600

It's important to understand that when you estimate your replacement cost of your home in the 65804 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 65804

Dean Clarke McClish

Address: 3050 E Battlefield Rd Springfield, MO 65804
Phone: (417)447-0257
Website:

Best Home & Auto Insurance Agencies in 65804

Breeding- Michael D

Address: 1855 S National Ave Springfield, MO 65804
Phone:
Website:
Info:

Dean Clarke McClish

Address: 3050 E Battlefield St Springfield, MO 65804
Phone:
Website:
Info:

Stuart- Victor D - State Farm Insurance Agent

Address: 3020 E Battlefield St Springfield, MO 65804
Phone:
Website:
Info:

Durbin- Frank

Address: 1345 E Sunshine St Springfield, MO 65804
Phone:
Website:
Info:

Cutbirth- Andrew P

Address: 1835 S Stewart Ave Springfield, MO 65804
Phone:
Website:
Info:

Housing Demographics for 65804

Population Review for 65804 Zip Code

For the city of Springfield, the population within 65804 has increased to over 41,255 residents in population size. The current population total is 40,064. We have broken down the population based on race below. In 65804, there are over 19059 in male population and 21005 females.

PopulationValues
Total Population40,064
White Population34094
Black Population1024
Hispanic Population1758
Asian Population1217
Hawaiian Population43
Indian Population262
Other Population596
Male Population19059
Female Population21005
Population Estimate41255

Household Data for 65804

The average number of homes in 65804 is around 18,785, there are an average of 2.12 per household. The average house value according to local real estate values is around $172,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode18,785
Persons Per Household2.12
Average House Value$172,400
Income Per Household$52974
Median Age40.0
Median Age Male37.9
Median Age Female42.3
65804 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 Businesses2185
Number Of Employees33524
Business First Quarter Payroll407510
Business Annual Payroll1715533
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 Residential19460
Delivery Business2259
Delivery Total23801
Preferred Last Line KeyW17989
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyW17989
Land Area18.600000
Water Area0.503000
City Alias Code
City Mixed CaseSpringfield
City Alias Mixed CaseSpringfield
Box Count0
SFDU13919
MFDU1584
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

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    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 […]

  • I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024

    According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]

  • 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 […]