Get Union Star, MO Home Insurance Rates!
We have great home insurance rates for your home in Union Star, Missouri, our online quoting application helps you easily compare the best insurance companies in your area. Our quoting process allows you to review up to 12 competitive homeowners insurance quotes to help you compare prices, coverage options and ratings. Let us help you shop the best rate and coverage for your Union Star home today, simply enter your Missouri zip code or give us a call now!
One of the most common questions we get asked is "how much is my home insurance"? For homeowners living in Union Star, MO, the average homeowners policy is around $108 per month or $1,301 per year. Average home rates are based on a standard HO-3 policy. Home insurance companies rate risk differently so it is important to let a company like GetHomeInsuranceQuotes.com do the shopping for you and help answer any questions that you may have about your rate, coverage options, flood insurance coverage, wind hail coverage and discounts.
Other common questions about homes in Union Star:
How many people live in Union Star?
The total city area population for Union Star, MO is 1,018.
How many homes in the Union Star area?
The total homes in the city of Union Star is 403 housing units.
What is the average Union Star household income?
The average income in the Union Star area is around $57,500.
How much do the homes in Union Star cost on average?
The average cost of a home in Union Star is estimated to be around $81,800.
What is my replacement cost for my home?
Insurers will assign a replacement cost value to your home if it was ever in need of rebuilding. Remember the cost to replace the home is not the same as buying the home because the cost of land does not need to be factored into the replacement cost. Try our online home replacement cost calculator to easily generate a dwelling coverage amount.
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Average Rates Nearby Union Star
Are you looking for homeowners insurance in a city near Union Star? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!
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Home Insurance Rates by Zipcode in Union Star, MO
Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Union Star.
Union Star, MO Home Insurance Average Premiums
$705 /yr.
For the city of Union Star, 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) | $705 /yr. |
| Average Coverage: | $955 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1255 /yr. |
What is the average home insurance cost for a home in Union Star, MO?
- • The average homeowners insurance premium paid annually for a home in Union Star is around $955 per year.
What does it cost on average per month for home insurance in Union Star, MO?
- • Homeowners in Union Star pay an average cost per month around $80.00 for insurance coverage.
Union Star, MO - 2023 Housing Information
| Month | Current Home Value (2023) | Last Year Home Value (2022) |
|---|---|---|
| January | $154,137 | $157,540 |
| February | $153,007 | $160,681 |
| March | $155,070 | $164,183 |
| April | $162,322 | $166,601 |
Homeowners insurance will help cover the cost to repair or replace your Union Star home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:
- Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Union Star
- Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
- Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
- Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
- Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.
Get up to 12 competitive Union Star, MO homeowners insurance rates all in one place! |
Saving Money Tips on Union Star Home Insurance
A great way to save money on Union Star homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:
- Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
- Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
- Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
- Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.
Are you shopping for the best rate near or wihin the Union Star area? Check out what homeowners are paying on average for Missouri homeowners insurance.
Elevation Review for Coastal Wind or Flooding Risk
| Elevation | Details | Homeowners Tips |
|---|---|---|
| 995 ft. | This is the average home elevation in Union Star, MO | Did you know that the elevation in which your home resides is crucial to a home insurance policy because it determines the risk factor related to your home being in a flood zone. It is important to understand that your home is not covered for floods under a standard homeowners policy. You will need to speak with a local Missouri flood insurance agent about a flood insurance policy, please give us a call now at 888-620-1954. |
To get online quotes on your home and compare rates on home insurance premiums in Union Star, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Dekalb County.
Missouri Homeowners Insurance News & Information
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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 […]
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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 […]
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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 […]
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Texas Homeowner Insurance Claims Were Closed Without Any Payment Posted on Monday 14th July, 2025
According to a recent study that was reported on in the Houston Chronicle, almost half of all Texas homeowner insurance claims were closed without any payment to the homeowner. A company called Weiss Ratings was in charge of the study and they found that 47% of claims filed by Texas homeowners have been closed by […]
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What causes North Carolina home insurance to go up? Posted on Monday 7th July, 2025
A homeowner in North Carolina was greeted with a nasty surprise this year, a 41% increase in his insurance premium. On average, homeowners in North Carolina saw a rate jump of 7.5% on June 1st due to a settlement reached by the North Carolina Department of Insurance but this certainly doesn’t explain a 41% increase. Doug Corkhill is […]
Union Star, MO Dwelling Coverage Estimate
It is important to calculate your dwelling coverage for your home in Union Star so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.
Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.
What is the average replacement cost coverage in Union Star, MO?
- The average square footage in Union Star is around 670 Sq. Ft. which would cost you around $81,800 to replace the home if you base the home on the price to build per square foot of $122.
Minimum Replacement Cost Total: $81,800
Location: Union Star, Missouri (Dekalb County)
Average Building Cost Per Square Foot in Union Star: $122 (low end)
Average Square Footage in Union Star: 670 Sq. Ft.
| Home Improvement Status | Price per Sq. Ft. | Dwelling Coverage |
|---|---|---|
| None or Very Minor Improvements | $122 | $81,800 |
| Some Additional Upgrades | $153 | $102,250 |
| Major Home Updates or Advancements | $183 | $122,700 |
The dwelling coverage is calculated by the average cost per square foot ($122) in Union Star, Missouri times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $381,250 (Media price to build of $153 x 2500 sq. ft.) to cover the cost to rebuild your new home.
What is the difference between actual cash value and replacement cost value?
Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:
Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.
Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.