64055 Homeowners Insurance Quotes & Rates

Independence residents living within the 16,143 homes available in the zip code of 64055 are shopping online to compare cheaper and more affordable Independence, MO home insurance rates. In the great city of Independence, homeowners like you want to find less expensive coverage since the home insurance rates have increased. Currently, the average home insurance rate within the state of Missouri is around $954 per year. These average rates are based on a standard or basic homeowner policy that covers your home for risk of fire, theft or liability issues if someone was to be injured on your property. We can provide enhanced coverage options to give you that added protection that you need for your home in the 64055 zip code.

With our online home insurance quoting application and excellent review service, we can help you save up to 40% or more on your next homeowners policy. We will shop up to 12 competitive home insurance rates, review all the coverage options available and propose any discounts or credits that may be available to you. Each home insurance company is different and likes to generate rates based on a number of different risk factors when it comes to insuring your home. We will be able to explain which home insurance company is best for you based on the coverage details, rate affordability and claim dependability.

Let us help you shop and compare your 64055 home insurance rates today! Please give us a call now at 1-913-276-4017. For Independence, MO Homeowners Insurance Quotes, Click to easily get started!

Average Building Cost Per Square Foot in 64055: $122

Average Square Footage in 64055: 1,157 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 64055 before you start any project. Independence 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 64055 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 64055 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,157 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 Independence 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 64055 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.

Allstate Insurance - Clint Woods

Bill Morgan-Farmers Insurance

Dingeldein Insurance Agency

Noble- Gary L

Ernest Cockrum-Farmers Insurance

American Family Insurance- Ronald Brown Sr

Household Data for 64055

The average number of homes in 64055 is around 16,143, there are an average of 2.24 per household. The average house value according to local real estate values is around $141,100. Please review the following demographics below for average income and media age.

• How can I lower my homeowners insurance rate? Posted on Monday 18th August, 2025

  According to a recent report from the National Association of Realtors, homeowner insurance premiums have jumped up 10% since last year which follows a similar increase in 2023. Premium increases were even higher in states where severe weather and wildfires were more common.  In a recent AOL.com article, Paul Burns commented on how he had […]

• 5 Perils Not Covered by Homeowners Insurance Posted on Tuesday 29th July, 2025

  Homeowners insurance is an absolute necessity to protect your home and its contents. If you have a mortgage on your home, it is also required. While homeowners insurance offers plenty of protection, there are gaps in coverage that you should be aware of because they can lead to massive out of pocket costs if you […]

• Compare 2025 Homeowners Insurance Rates in Every State Posted on Thursday 24th July, 2025

  According to a recent study by Insurify, homeowners in every state will be paying more for insurance coverage by the end of the year.  The study found that climate change fueled natural disaster are the main cause of ever-increasing homeowner premiums. Wildfires out west, hailstorms in the Midwest and hurricanes and flooding in the South […]