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Compare 39204 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Jackson just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 6,195 neighbors looking to save on their home insurance policy in the local 39204 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 39204. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Mississippi rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Jackson, MS home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Jackson, MS

39204 Home Insurance Average Premiums

Local 39204 homeowners insurance quotes comparison

$1008 /yr.

Shows Zip Code: 39204 lowest rates with discounts applied on average.

For the 39204, 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)		$1008 /yr.
Average Coverage:$1258 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1558 /yr.

What is the average home insurance cost for a home in 39204?

  • • The average homeowners insurance premium paid annually for a home in 39204 is around $1258 per year.

What does it cost on average per month for home insurance in 39204?

  • • Homeowners in 39204 pay a monthly average cost per month around $105.00.

What kind of discount could I get if I combine my home and auto insurance together in 39204?

  • • Autoowners in 39204 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 Jackson, check out other zip codes nearby 39204.
To review average rates in another zip code, click on a zip code below:
39211  |  39201  |  39203  |  39212  |  39202  |  39216  |  39213  |  39204  |  39217  |  39206  | 

Home Replacement Cost Coverage in 39204

Average Building Cost Per Square Foot in 39204: $96

Location: Jackson, Mississippi (Hinds County)

Average Square Footage in 39204: 599 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 39204 before you start any project. Jackson 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 39204 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 39204 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 599 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 Jackson 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$96599$57,500
Additional Upgrades & Added Features$120599$71,875
Major Home Updates or Advancements$144599$86,250

It's important to understand that when you estimate your replacement cost of your home in the 39204 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 39204

Porters Insurance Agency

Address: 1020 Terry Road Jackson, MS 39204
Phone: (601)355-8471
Website: www.portersinsurance.com

Best Home & Auto Insurance Agencies in 39204

Direct General Insurance Agency Inc - Jackson

Address: 1999 US-80 Jackson, MS 39204
Phone:
Website:
Info:

Porters Insurance Agency

Address: 1020 Terry Rd Jackson, MS 39204
Phone:
Website: http://www.portersinsurance.com
Info:

Aflac Insurance

Address: 2310 Highway 80 W Jackson, MS 39204
Phone:
Website: http://www.shtm.ws/ca/syls
Info:

Affordable Insurance

Address: 1929 Highway 80 W Jackson, MS 39204
Phone:
Website:
Info:

The Policy Center Inc

Address: 1350 W McDowell Rd Jackson, MS 39204
Phone:
Website: http://www.thepolicycenter.net
Info:

Housing Demographics for 39204

Population Review for 39204 Zip Code

For the city of Jackson, the population within 39204 has increased to over 15,604 residents in population size. The current population total is 15,433. We have broken down the population based on race below. In 39204, there are over 7335 in male population and 8098 females.

PopulationValues
Total Population15,433
White Population1167
Black Population13607
Hispanic Population286
Asian Population33
Hawaiian Population3
Indian Population36
Other Population175
Male Population7335
Female Population8098
Population Estimate15604

Household Data for 39204

The average number of homes in 39204 is around 6,195, there are an average of 2.45 per household. The average house value according to local real estate values is around $57,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode6,195
Persons Per Household2.45
Average House Value$57,500
Income Per Household$28279
Median Age33.1
Median Age Male31.6
Median Age Female34.4
39204 DetailsValues
StateMS
State Full NameMississippi
City TypeP
City Alias Abbreviation
Area Code601
CityJackson
City Alias NameJACKSON
CountyHinds
County FIPS049
State FIPS28
Time Zone6
Day Light SavingY
MSA3560
PMSA
CSA298
CBSA27140
CBSA_DIV
CBSA_TypeMetro
CBSA_NameJackson, MS
MSA_NameJackson, MS MSA
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses366
Number Of Employees6964
Business First Quarter Payroll75326
Business Annual Payroll313464
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population539057
CBSA Division Population0
Congressional District02|03
Congressional LandArea15551.51|12754.48
Delivery Residential6369
Delivery Business727
Delivery Total7318
Preferred Last Line KeyY13801
Classification Code
Multi-County
CSA NameJackson-Vicksburg-Brookhaven, MS
CBSA_DIV_Name
City State KeyY13801
Land Area9.428000
Water Area0.000000
City Alias Code
City Mixed CaseJackson
City Alias Mixed CaseJackson
Box Count0
SFDU4123
MFDU2109
State ANSI28
County ANSI049
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number273783
Unique ZIP Name
SSA State County Code25240
Medicare CBSA Code27140
Medicare CBSA NameJackson, MS
Medicare CBSA TypeMetro
Market Rating Area ID3
County Mixed CaseHinds

Mississippi Homeowners Insurance News & Information

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    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.  […]

  • 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 […]