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Home Insurance in 63951

Our rates are very competitive for homeowners living in the 63951 zip code. Many homeowners based out of Lowndes, MO 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 home insurance quotes are free and our MO licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 63951 should appear in the zip code field ready to go.

63951 Average Home Insurance Rates

Are you looking for a standard HO-3 homeowners policy for your single family home in the Lowndes area? The average homeowners premium in 63951 is high in comparison to other states. For example, the national average is $1,249 per year for home insurance coverage for a basic home insurance policy. For homeowners living in the 63951, you can expect to pay around $1014 per year for homeowners coverage. If you want to see which company has the best rates and coverage options, than easily compare rates with us. You can review each premium and we can help explain any question that you may have about different types of coverages and what is best for you and your family.

Get Home Insurance Coverage in 63951 Today!

Get Home Insurance Quotes in 63951

We can shop up to 12 home insurance quotes for you easily online. You can find out more by exploring one of the three links below to review average homeowners insurance rates in the great state of Missouri. Start your 63951 home insurance shopping today!

  1. Lowndes, MO Home Insurance Quotes

63951 Home Insurance Average Premiums

Local 63951 homeowners insurance quotes comparison

$764 /yr.

Shows Zip Code: 63951 lowest rates with discounts applied on average.

For the 63951, 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)		$764 /yr.
Average Coverage:$1014 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1314 /yr.

What is the average home insurance cost for a home in 63951?

  • • The average homeowners insurance premium paid annually for a home in 63951 is around $1014 per year.

What does it cost on average per month for home insurance in 63951?

  • • Homeowners in 63951 pay a monthly average cost per month around $85.00.

What kind of discount could I get if I combine my home and auto insurance together in 63951?

  • • Autoowners in 63951 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 Lowndes, check out other zip codes nearby 63951.
To review average rates in another zip code, click on a zip code below:
63951  | 

Home Replacement Cost Coverage in 63951

Average Building Cost Per Square Foot in 63951: $122

Location: Lowndes, Missouri (Wayne County)

Average Square Footage in 63951: 1,352 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 63951 before you start any project. Lowndes 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 63951 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 63951 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,352 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 Lowndes 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$1221,352$165,000
Additional Upgrades & Added Features$1531,352$206,250
Major Home Updates or Advancements$1831,352$247,500

It's important to understand that when you estimate your replacement cost of your home in the 63951 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 63951

Best Home & Auto Insurance Agencies in 63951

Housing Demographics for 63951

Population Review for 63951 Zip Code

For the city of Lowndes, the population within 63951 has increased to over 273 residents in population size. The current population total is 222. We have broken down the population based on race below. In 63951, there are over 122 in male population and 100 females.

PopulationValues
Total Population222
White Population203
Black Population1
Hispanic Population2
Asian Population0
Hawaiian Population0
Indian Population2
Other Population0
Male Population122
Female Population100
Population Estimate273

Household Data for 63951

The average number of homes in 63951 is around 95, there are an average of 2.34 per household. The average house value according to local real estate values is around $165,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode95
Persons Per Household2.34
Average House Value$165,000
Income Per Household$37679
Median Age55.7
Median Age Male47.0
Median Age Female58.7
63951 DetailsValues
StateMO
State Full NameMissouri
City TypeP
City Alias Abbreviation
Area Code573
CityLowndes
City Alias NameLOWNDES
CountyWayne
County FIPS223
State FIPS29
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 Businesses0
Number Of Employees0
Business First Quarter Payroll0
Business Annual Payroll0
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 District08
Congressional LandArea19901.17
Delivery Residential117
Delivery Business0
Delivery Total136
Preferred Last Line KeyW17111
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyW17111
Land Area36.346000
Water Area0.259000
City Alias Code
City Mixed CaseLowndes
City Alias Mixed CaseLowndes
Box Count12
SFDU117
MFDU0
State ANSI29
County ANSI223
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number284854
Unique ZIP Name
SSA State County Code26993
Medicare CBSA Code99926
Medicare CBSA NameRural Areas in MO
Medicare CBSA TypeMicro
Market Rating Area ID10
County Mixed CaseWayne

Missouri 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 […]