Compare quotes for your home in 38732! Compare the best 12 carriers in minutes.
38732 Home Insurance Rates
Getting multiple homeowners insurance rates in 38732 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 Cleveland, MS. Many homeowners based out of the 38732 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 Mississippi 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 38732 should appear in the zip code field ready to go. For Cleveland, MS Home Insurance Quotes, Click to easily get started!
38732 Homeowners Insurance Rates, Average Rating: Very High!
Your homeowners insurance policy in 38732 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 Cleveland. For a basic HO-3, standard homeowners policy, the average premium per year in Mississippi is around $1231. 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 38732 zip code today and let us help you save time and money on your homeowners insurance premium.
38732 Home Insurance Average Premiums
$981 /yr.
Shows Zip Code: 38732 lowest rates with discounts applied on average.
For the 38732, 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) | $981 /yr. |
| Average Coverage: | $1231 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1531 /yr. |
What is the average home insurance cost for a home in 38732?
- • The average homeowners insurance premium paid annually for a home in 38732 is around $1231 per year.
What does it cost on average per month for home insurance in 38732?
- • Homeowners in 38732 pay a monthly average cost per month around $103.00.
What kind of discount could I get if I combine my home and auto insurance together in 38732?
- • Autoowners in 38732 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 Cleveland, check out other zip codes nearby 38732.
To review average rates in another zip code, click on a zip code below:
38732 |
Home Replacement Cost Coverage in 38732
Average Building Cost Per Square Foot in 38732: $96
Location: Cleveland, Mississippi (Bolivar County)Average Square Footage in 38732: 1,492 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 38732 before you start any project. Cleveland homeowners pay on average around $96 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 38732 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 38732 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,492 sq. ft. and the average cost to rebuild the home in this area is around $96 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 Cleveland 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $96 | 1,492 | $143,200 |
| Additional Upgrades & Added Features | $120 | 1,492 | $179,000 |
| Major Home Updates or Advancements | $144 | 1,492 | $214,800 |
It's important to understand that when you estimate your replacement cost of your home in the 38732 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 38732
State Farm Insurance CO
Address: 103 Cotton Row Cleveland, MS 38732Phone: (662)843-1591
Website: www.statefarm.com
South Group Bolivar Insurance
Address: 105 South Court Street Cleveland, MS 38732Phone: (662)843-2747
Website:
Bolivar Insurance Agency
Address: 105 S Court St Cleveland, MS 38732Phone: (662)843-2747
Website:
Best Home & Auto Insurance Agencies in 38732
Express Lease Mortgage
Address: 420 N Davis Ave Cleveland, MS 38732Phone:
Website:
Info:
Bolivar Insurance Agency
Address: 105 S Court St Cleveland, MS 38732Phone:
Website:
Info:
Bell- Daniel C - State Farm Insurance Agent
Address: 1101 Highway 8 Cleveland, MS 38732Phone:
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
American Auto Insurance Agency of Cleveland
Address: 109 N Davis Ave Cleveland, MS 38732Phone:
Website: http://www.clevelandms.auto-car-insurance-quote.com
Info:
Johnson Trucking
Address: 1783 Pearman Rd Cleveland, MS 38732Phone:
Website:
Info:
Housing Demographics for 38732
Population Review for 38732 Zip Code
For the city of Cleveland, the population within 38732 has increased to over 17,655 residents in population size. The current population total is 17,652. We have broken down the population based on race below. In 38732, there are over 8317 in male population and 9335 females.
| Population | Values |
|---|---|
| Total Population | 17,652 |
| White Population | 7351 |
| Black Population | 9279 |
| Hispanic Population | 516 |
| Asian Population | 227 |
| Hawaiian Population | 0 |
| Indian Population | 17 |
| Other Population | 269 |
| Male Population | 8317 |
| Female Population | 9335 |
| Population Estimate | 17655 |
Household Data for 38732
The average number of homes in 38732 is around 6,618, there are an average of 2.46 per household. The average house value according to local real estate values is around $143,200. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 6,618 |
| Persons Per Household | 2.46 |
| Average House Value | $143,200 |
| Income Per Household | $38537 |
| Median Age | 35.5 |
| Median Age Male | 33.8 |
| Median Age Female | 37.3 |
| 38732 Details | Values |
|---|---|
| State | MS |
| State Full Name | Mississippi |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 662 |
| City | Cleveland |
| City Alias Name | CLEVELAND |
| County | Bolivar |
| County FIPS | 011 |
| State FIPS | 28 |
| Time Zone | 6 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | 17380 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Cleveland, MS |
| MSA_Name | |
| PMSA_Name | |
| Region | South |
| Division | East South Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 499 |
| Number Of Employees | 6020 |
| Business First Quarter Payroll | 61325 |
| Business Annual Payroll | 260993 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 34145 |
| CBSA Division Population | 0 |
| Congressional District | 02 |
| Congressional LandArea | 15551.51 |
| Delivery Residential | 7177 |
| Delivery Business | 609 |
| Delivery Total | 9052 |
| Preferred Last Line Key | Y13410 |
| Classification Code | |
| Multi-County | Y |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | Y13410 |
| Land Area | 88.328000 |
| Water Area | 1.329000 |
| City Alias Code | |
| City Mixed Case | Cleveland |
| City Alias Mixed Case | Cleveland |
| Box Count | 933 |
| SFDU | 5353 |
| MFDU | 694 |
| State ANSI | 28 |
| County ANSI | 011 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 271534 |
| Unique ZIP Name | |
| SSA State County Code | 25050 |
| Medicare CBSA Code | 99925 |
| Medicare CBSA Name | Rural Areas in MS |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 6 |
| County Mixed Case | Bolivar |
Mississippi Homeowners Insurance News & Information
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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 […]
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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. […]
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2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025
Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance. We thought it might be a good idea to look at some spring cleaning and maintenance […]