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64494 Home Insurance Rates & Premiums

Did you know there are over 975 people living within the 64494 zip code area? There are over 415 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 64494.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Missouri are on the rise. The estimated average premium is around $1,273 a year for a standard homeowners insurance policy in Union Star. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Union Star, MO Homeowners Insurance Quotes Online

64494 Home Insurance Average Premiums

Local 64494 homeowners insurance quotes comparison

$1023 /yr.

Shows Zip Code: 64494 lowest rates with discounts applied on average.

For the 64494, 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)		$1023 /yr.
Average Coverage:$1273 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1573 /yr.

What is the average home insurance cost for a home in 64494?

  • • The average homeowners insurance premium paid annually for a home in 64494 is around $1273 per year.

What does it cost on average per month for home insurance in 64494?

  • • Homeowners in 64494 pay a monthly average cost per month around $106.00.

What kind of discount could I get if I combine my home and auto insurance together in 64494?

  • • Autoowners in 64494 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 Union Star, check out other zip codes nearby 64494.
To review average rates in another zip code, click on a zip code below:
64494  | 

Home Replacement Cost Coverage in 64494

Average Building Cost Per Square Foot in 64494: $122

Location: Union Star, Missouri (Dekalb County)

Average Square Footage in 64494: 943 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 64494 before you start any project. Union Star 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 64494 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 64494 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 943 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 Union Star 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$122943$115,000
Additional Upgrades & Added Features$153943$143,750
Major Home Updates or Advancements$183943$172,500

It's important to understand that when you estimate your replacement cost of your home in the 64494 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 64494

Best Home & Auto Insurance Agencies in 64494

Housing Demographics for 64494

Population Review for 64494 Zip Code

For the city of Union Star, the population within 64494 has increased to over 871 residents in population size. The current population total is 975. We have broken down the population based on race below. In 64494, there are over 492 in male population and 483 females.

PopulationValues
Total Population975
White Population925
Black Population3
Hispanic Population9
Asian Population6
Hawaiian Population0
Indian Population3
Other Population3
Male Population492
Female Population483
Population Estimate871

Household Data for 64494

The average number of homes in 64494 is around 415, there are an average of 2.35 per household. The average house value according to local real estate values is around $115,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode415
Persons Per Household2.35
Average House Value$115,000
Income Per Household$54902
Median Age43.2
Median Age Male40.0
Median Age Female45.4
64494 DetailsValues
StateMO
State Full NameMissouri
City TypeP
City Alias Abbreviation
Area Code816
CityUnion Star
City Alias NameUNION STAR
CountyDekalb
County FIPS063
State FIPS29
Time Zone6
Day Light SavingY
MSA
PMSA
CSA312
CBSA41140
CBSA_DIV
CBSA_TypeMetro
CBSA_NameSt. Joseph, MO-KS
MSA_Name
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses8
Number Of Employees47
Business First Quarter Payroll279
Business Annual Payroll2031
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population127329
CBSA Division Population0
Congressional District06
Congressional LandArea18198.62
Delivery Residential371
Delivery Business3
Delivery Total426
Preferred Last Line KeyW18492
Classification Code
Multi-County
CSA NameKansas City-Overland Park-Kansas City, MO-KS
CBSA_DIV_Name
City State KeyW18492
Land Area56.683000
Water Area0.495000
City Alias Code
City Mixed CaseUnion Star
City Alias Mixed CaseUnion Star
Box Count40
SFDU355
MFDU0
State ANSI29
County ANSI063
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number288034
Unique ZIP Name
SSA State County Code26310
Medicare CBSA Code41140
Medicare CBSA NameSt. Joseph, MO-KS
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseDekalb

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