Get multiple home insurance quotes in 40075. Our licensed 40075, KY agents are ready to serve you.

Homeowners Insurance coverage in 40075

If you are a homeowner in 40075 or Turners Station, KY you can now easily shop for homeowners insurance from the comfort of your own home. Check out GetHomeInsuranceQuotes.com and we will provide you with up to 12 insurance rate quotes from a variety of national insurance companies, making sure that you get the best premium quotes in Turners Station.

Our service is always free so join the thousands of homeowners who have shopped for coverage, compared a variety of quotes and purchased a great policy using our site. Enter your zip code now and start shopping for a brand new homeowners policy.

Compare rates and find the best homeowners policy in 40075.

Learn more about our homeowners insurance shopping service by selecting the best Turners Station, KY Home Insurance Quotes Online.

What is the Average Home Insurance Rates in 40075?

Residents of Turners Station have found that shopping online for homeowners insurance coverage saves them not only time but money as well. So what is the average rate for homeowners insurance in Kentucky? While Kentucky is not the cheapest state in the country when it comes to homeowners insurance, it does rank fairly well. According to industry data, Kentucky comes in at 28 in the country for homeowners insurance premiums.

If you are living in 40075 zipcode, expect to pay around $882 for homeowners coverage compared to the national average of $1,249. It’s important to remember that these figures are averages and your own premium may be higher or lower depending on your personal factors.

Average rates listed here are based on a standard homeowners insurance policy, which protects your home, personal possessions, liability protection, loss of use and even medical payments. As with most standard homeowner insurance policies, coverage in Turners Station does not offer protection against flood damage. If you live within a flood zone, a separate flood insurance policy may be required.

Get started now and our agents will help you determine what coverages your need and the ideal coverage levels for your particular situation.

40075 Home Insurance Average Premiums

Local 40075 homeowners insurance quotes comparison

$632 /yr.

Shows Zip Code: 40075 lowest rates with discounts applied on average.

For the 40075, 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)
$632 /yr.
Average Coverage:$882 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1182 /yr.

What is the average home insurance cost for a home in 40075?

  • • The average homeowners insurance premium paid annually for a home in 40075 is around $882 per year.

What does it cost on average per month for home insurance in 40075?

  • • Homeowners in 40075 pay a monthly average cost per month around $74.00.

What kind of discount could I get if I combine my home and auto insurance together in 40075?

  • • Autoowners in 40075 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.

For shopping home insurance rates within the Turners Station area, check out other zip codes nearby 40075.
Review average rates in another zip code:
40075 homeowners insurance rates

Home Replacement Cost Coverage in 40075

Average Building Cost Per Square Foot in 40075: $118

Location: Turners Station, Kentucky (Henry County)

Average Square Footage in 40075: 1,175 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 40075 before you start any project. Turners Station homeowners pay on average around $118 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 40075 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 40075 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,175 sq. ft. and the average cost to rebuild the home in this area is around $118 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 Turners Station 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$1181,175$138,700
Additional Upgrades & Added Features$1481,175$173,375
Major Home Updates or Advancements$1771,175$208,050

It's important to understand that when you estimate your replacement cost of your home in the 40075 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 40075

Best Home & Auto Insurance Agencies in 40075

Housing Demographics for 40075

Population Review for 40075 Zip Code

For the city of Turners Station, the population within 40075 has increased to over 1,356 residents in population size. The current population total is 1,294. We have broken down the population based on race below. In 40075, there are over 676 in male population and 618 females.

PopulationValues
Total Population1,294
White Population1217
Black Population9
Hispanic Population15
Asian Population0
Hawaiian Population0
Indian Population1
Other Population14
Male Population676
Female Population618
Population Estimate1356

Household Data for 40075

The average number of homes in 40075 is around 487, there are an average of 2.66 per household. The average house value according to local real estate values is around $138,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode487
Persons Per Household2.66
Average House Value$138,700
Income Per Household$60433
Median Age42.8
Median Age Male40.5
Median Age Female44.8
40075 DetailsValues
StateKY
State Full NameKentucky
City TypeN
City Alias AbbreviationTURNERS STA
Area Code502
CityTurners Station
City Alias NameTURNERS STATION
CountyHenry
County FIPS103
State FIPS21
Time Zone5
Day Light SavingY
MSA
PMSA
CSA350
CBSA31140
CBSA_DIV
CBSA_TypeMetro
CBSA_NameLouisville/Jefferson County, KY-IN
MSA_Name
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses4
Number Of Employees7
Business First Quarter Payroll56
Business Annual Payroll364
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population1283566
CBSA Division Population0
Congressional District04
Congressional LandArea4382.19
Delivery Residential510
Delivery Business1
Delivery Total731
Preferred Last Line KeyX1C368
Classification Code
Multi-CountyY
CSA NameLouisville/Jefferson County--Elizabethtown, KY-IN
CBSA_DIV_Name
City State KeyX1C368
Land Area48.548000
Water Area0.514000
City Alias Code
City Mixed CaseTurners Station
City Alias Mixed CaseTurners Station
Box Count0
SFDU510
MFDU0
State ANSI21
County ANSI103
ZIP Intro
Alias Intro
Facility CodeN
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number201212
Unique ZIP Name
SSA State County Code18510
Medicare CBSA Code31140
Medicare CBSA NameLouisville/Jefferson County, KY-IN
Medicare CBSA TypeMetro
Market Rating Area ID3
County Mixed CaseHenry

Kentucky Homeowners Insurance News & Information

  • Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025

    Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]

  • Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024

    Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies.  Here are some common exclusions that could leave you […]

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]