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66948 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 66948? There are over 199 occupied homes in the 66948 area. With a population size of 468, it's not uncommon for residence of Jamestown, KS to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Kansas is around $1,087 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 66948 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: Jamestown, KS Home Insurance Rate Quotes

66948 Home Insurance Average Premiums

Local 66948 homeowners insurance quotes comparison

$837 /yr.

Shows Zip Code: 66948 lowest rates with discounts applied on average.

For the 66948, 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)		$837 /yr.
Average Coverage:$1087 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1387 /yr.

What is the average home insurance cost for a home in 66948?

  • • The average homeowners insurance premium paid annually for a home in 66948 is around $1087 per year.

What does it cost on average per month for home insurance in 66948?

  • • Homeowners in 66948 pay a monthly average cost per month around $91.00.

What kind of discount could I get if I combine my home and auto insurance together in 66948?

  • • Autoowners in 66948 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.

You can easily shop and compare home insurance rates within Jamestown, check out other zip codes nearby 66948.
To review average rates in another zip code, click on a zip code below:
66948  | 

Home Replacement Cost Coverage in 66948

Average Building Cost Per Square Foot in 66948: $126

Location: Jamestown, Kansas (Cloud County)

Average Square Footage in 66948: 604 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 66948 before you start any project. Jamestown homeowners pay on average around $126 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 66948 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 66948 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 604 sq. ft. and the average cost to rebuild the home in this area is around $126 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 Jamestown 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$126604$76,100
Additional Upgrades & Added Features$158604$95,125
Major Home Updates or Advancements$189604$114,150

It's important to understand that when you estimate your replacement cost of your home in the 66948 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 66948

Best Home & Auto Insurance Agencies in 66948

Housing Demographics for 66948

Population Review for 66948 Zip Code

For the city of Jamestown, the population within 66948 has increased to over 401 residents in population size. The current population total is 468. We have broken down the population based on race below. In 66948, there are over 247 in male population and 221 females.

PopulationValues
Total Population468
White Population439
Black Population1
Hispanic Population10
Asian Population1
Hawaiian Population0
Indian Population3
Other Population0
Male Population247
Female Population221
Population Estimate401

Household Data for 66948

The average number of homes in 66948 is around 199, there are an average of 2.35 per household. The average house value according to local real estate values is around $76,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode199
Persons Per Household2.35
Average House Value$76,100
Income Per Household$56932
Median Age44.5
Median Age Male48.2
Median Age Female40.4
66948 DetailsValues
StateKS
State Full NameKansas
City TypeP
City Alias Abbreviation
Area Code785
CityJamestown
City Alias NameJAMESTOWN
CountyCloud
County FIPS029
State FIPS20
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 Businesses6
Number Of Employees13
Business First Quarter Payroll79
Business Annual Payroll340
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 District01
Congressional LandArea52542.5
Delivery Residential171
Delivery Business5
Delivery Total220
Preferred Last Line KeyW20760
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyW20760
Land Area123.721000
Water Area1.696000
City Alias Code
City Mixed CaseJamestown
City Alias Mixed CaseJamestown
Box Count34
SFDU171
MFDU0
State ANSI20
County ANSI029
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number194510
Unique ZIP Name
SSA State County Code17140
Medicare CBSA Code99917
Medicare CBSA NameRural Areas in KS
Medicare CBSA TypeMicro
Market Rating Area ID3
County Mixed CaseCloud

Kansas Homeowners Insurance News & Information

  • Affordable Home Insurance Is Getting Very Hard to Find Posted on Tuesday 6th May, 2025

    According to a recent ValuePenguin study, homeowners are having a harder time finding affordable insurance due to the property insurance crisis spreading around the country.  The report found that a shocking two-thirds of homeowners have seen premium increases in 2024. Another 25% of homeowners said they were dropped by their insurance company which is a […]

  • Which state pays the highest home insurance premiums in 2025? Posted on Thursday 24th April, 2025

    Recently, Insurify released its third annual American Homeowner Insurance report which offers a detailed forecast of insurance trends in the U.S. for 2025.  States that have a high risk of wildfires and severe weather will see the largest increases in homeowners insurance premiums. According to the report, Louisiana will see the largest premium increases with […]

  • Top 10 States That Have the Highest Rates of Uninsured Homes Posted on Tuesday 22nd April, 2025

    As recent headlines have made clear, climate change has led to more frequent extreme weather events which has led to a rise in homeowner insurance claims. As insurers deal with an increased number of claims, they pass those additional costs onto homeowners via higher premiums, regardless of whether you have filed a claim or not.  […]