Home Insurance Quotes in 63742

Are you shopping for a cheaper homeowners insurance rate in 63742? Our rates are very competitive for homeowners living in Commerce, MO. Many homeowners located in the 63742 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our online quoting process is free to use and our Missouri licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. If you are unsure which policy is best for you, then please contact us so we can help you understand what coverage package you need to protect your home in 63742. To get free 63742 home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 63742 zip code should appear in the zip code field ready to go. Shopping Commerce, MO Homeowners Insurance Rates is easy, just click, complete your online quoting application for the property address located in 63742 to review the best rate coverages.

Your 63742 Home Insurance Costs Is Rated: High!

For the great city of Commerce, the average home insurance premium paid annually is around $1237 for a standard HO-3 homeowners policy. It's important to know that you may need additional coverage like flood or earthquake insurance to cover your home. Most basic home insurance policies do not provide enough coverage to provide the risk and protection you need. Our Missouri specific quoting application process is designed to meet the needs of the homeowner and we can provide the most competitive rates with enhanced coverage options. If you live in Commerce and need insurance on your home in the 63742 zip code, then it is important to use our service and easily discover more affordable homeowners insurance rates.

Get 63742 Homeowners Insurance Rates Now!

Average Building Cost Per Square Foot in 63742: $122

Average Square Footage in 63742: 471 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 63742 before you start any project. Commerce 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 63742 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 63742 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 471 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 Commerce 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.

It's important to understand that when you estimate your replacement cost of your home in the 63742 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.

Household Data for 63742

The average number of homes in 63742 is around 17, there are an average of 2.65 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.

• Homeowner’s Insurance Rates Spiking Over $3,000 a Year on Average Posted on Friday 19th September, 2025

  According to a recent report by The Zebra, the average homeowner is paying roughly $3,000 a year for homeowners insurance. Unfortunately, this is just the nationwide average, in many states premiums are dramatically higher for most homeowners.  According to the Zebra report, the most expensive states for homeowners insurance are: Nebraska: $7,920 Oklahoma: $7,426 Kansas: […]

• Homeowner’s Insurance Premiums Skyrocket: Forcing Homeowners to Consider Moving Posted on Thursday 11th September, 2025

  While states like Florida, California and Louisiana have seen climbing insurance costs for years due to severe weather, flooding and hurricanes, other states, Colorado and Illinois are good examples, are seeing climbing rates as well due to hailstorms and wildfires.  As homeowner’s insurance premiums skyrocket, for some policyholders, the math no longer makes sense forcing […]

• New Report Reveals Reasons Why Home Insurance Prices Increase Posted on Monday 8th September, 2025

  Owning a home is becoming harder to afford for many Americans, in many cases due to the high cost of homeowners insurance. A recent report found that energy companies are responsible for a large amount of the pollution that is leading to climate change and more extreme weather, wildfires and flooding.  A report recently released […]