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65807 Home Insurance Quotes & Rates

Currently, the 25,501 homes within the 65807 zip code are being challenged with rate increases and the demand for more affordable homeowners insurance premiums. The average home insurance rate for Missouri is around $1,006 per year for a standard HO-3 homeowners policy. A standard homeowners policy in Springfield, MO, insures your home from theft, fire, windstorm damage and liability accidents on your property. Flood or earthquake damage is not covered under a basic homeowners policy, we can help you review the best coverage option for your home in 65807.

Missouri is now ranking #20 in the country for the highest premiums. If you are trying to lower your premium and want to compare up to 12 Springfield home insurance quotes all in one place then GetHomeInsuranceQuotes.com of Missouri has the online shopping service for you. Our hassle free online quoting application allows homeowners in the 65807 area to review and compare the best rates and coverage options. We can provide a free consultation process to help you decide which carrier, coverage and policy is the best fit for you and your family. We realize that protecting your most valuable investment is very important to you, that is why we want to help you increase your coverage while providing the most affordable rates available. Let us help you shop and compare your Springfield, Missouri home insurance rates today!

Please give us a call now at 1-913-276-4017, easily get up to 12 rates over the phone in minutes. For Springfield, MO Home Insurance Quotes, start your shopping process to today, it's easy and hassle free!

65807 Home Insurance Average Premiums

Local 65807 homeowners insurance quotes comparison

$756 /yr.

Shows Zip Code: 65807 lowest rates with discounts applied on average.

For the 65807, 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)
$756 /yr.
Average Coverage:$1006 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1306 /yr.

What is the average home insurance cost for a home in 65807?

  • • The average homeowners insurance premium paid annually for a home in 65807 is around $1006 per year.

What does it cost on average per month for home insurance in 65807?

  • • Homeowners in 65807 pay a monthly average cost per month around $84.00.

What kind of discount could I get if I combine my home and auto insurance together in 65807?

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

Home Replacement Cost Coverage in 65807

Average Building Cost Per Square Foot in 65807: $122

Location: Springfield, Missouri (Greene County)

Average Square Footage in 65807: 1,118 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 65807 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 65807 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 65807 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,118 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$1221,118$136,400
Additional Upgrades & Added Features$1531,118$170,500
Major Home Updates or Advancements$1831,118$204,600

It's important to understand that when you estimate your replacement cost of your home in the 65807 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 65807

Met Life Auto And Home

Address: 3333 S National Ave # 206 Springfield, MO 65807
Phone: (417)883-1334
Website: www.metlife.com

Best Home & Auto Insurance Agencies in 65807

Ray Woody Jr Ins Agency Inc - State Farm Insurance Agent

Address: 1031 E Battlefield St, #114 Springfield, MO 65807
Phone:
Website:
Info:

Bankers Life and Casualty Company

Address: 1721 W Elfindale St Springfield, MO 65807
Phone:
Website:
Info:

Met Life Auto And Home

Address: 3333 S National Ave, #Ave-206 Springfield, MO 65807
Phone:
Website: http://www.metlife.com
Info:

Shurtz- Morton L

Address: 717 W Battlefield St Springfield, MO 65807
Phone:
Website:
Info:

Harle Jr- Fred M - State Farm Insurance Agent

Address: 4150 S Fairview Ave Springfield, MO 65807
Phone:
Website:
Info:

Housing Demographics for 65807

Population Review for 65807 Zip Code

For the city of Springfield, the population within 65807 has increased to over 56,446 residents in population size. The current population total is 55,168. We have broken down the population based on race below. In 65807, there are over 26669 in male population and 28499 females.

PopulationValues
Total Population55,168
White Population44727
Black Population2447
Hispanic Population3512
Asian Population1577
Hawaiian Population94
Indian Population374
Other Population1208
Male Population26669
Female Population28499
Population Estimate56446

Household Data for 65807

The average number of homes in 65807 is around 25,501, there are an average of 2.11 per household. The average house value according to local real estate values is around $136,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode25,501
Persons Per Household2.11
Average House Value$136,400
Income Per Household$45646
Median Age35.2
Median Age Male34.1
Median Age Female36.7
65807 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 Businesses1568
Number Of Employees28627
Business First Quarter Payroll308478
Business Annual Payroll1327880
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 Residential26752
Delivery Business1903
Delivery Total30477
Preferred Last Line KeyW17989
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyW17989
Land Area21.016000
Water Area0.018000
City Alias Code
City Mixed CaseSpringfield
City Alias Mixed CaseSpringfield
Box Count0
SFDU17844
MFDU3142
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 […]