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40157 Home Insurance Rates & Premiums

Did you know there are over 951 people living within the 40157 zip code area? There are over 360 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 40157.

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 Kentucky are on the rise. The estimated average premium is around $944 a year for a standard homeowners insurance policy in Payneville. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Payneville, KY Homeowners Insurance Quotes Online

40157 Home Insurance Average Premiums

Local 40157 homeowners insurance quotes comparison

$694 /yr.

Shows Zip Code: 40157 lowest rates with discounts applied on average.

For the 40157, 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)		$694 /yr.
Average Coverage:$944 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1244 /yr.

What is the average home insurance cost for a home in 40157?

  • • The average homeowners insurance premium paid annually for a home in 40157 is around $944 per year.

What does it cost on average per month for home insurance in 40157?

  • • Homeowners in 40157 pay a monthly average cost per month around $79.00.

What kind of discount could I get if I combine my home and auto insurance together in 40157?

  • • Autoowners in 40157 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 Payneville area, check out other zip codes nearby 40157.
Review average rates in another zip code:
40157 homeowners insurance rates

Home Replacement Cost Coverage in 40157

Average Building Cost Per Square Foot in 40157: $118

Location: Payneville, Kentucky (Meade County)

Average Square Footage in 40157: 2,098 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 40157 before you start any project. Payneville 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 40157 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 40157 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,098 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 Payneville 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$1182,098$247,600
Additional Upgrades & Added Features$1482,098$309,500
Major Home Updates or Advancements$1772,098$371,400

It's important to understand that when you estimate your replacement cost of your home in the 40157 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 40157

Best Home & Auto Insurance Agencies in 40157

Housing Demographics for 40157

Population Review for 40157 Zip Code

For the city of Payneville, the population within 40157 has increased to over 1,013 residents in population size. The current population total is 951. We have broken down the population based on race below. In 40157, there are over 475 in male population and 476 females.

PopulationValues
Total Population951
White Population894
Black Population2
Hispanic Population7
Asian Population2
Hawaiian Population0
Indian Population8
Other Population10
Male Population475
Female Population476
Population Estimate1013

Household Data for 40157

The average number of homes in 40157 is around 360, there are an average of 2.64 per household. The average house value according to local real estate values is around $247,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode360
Persons Per Household2.64
Average House Value$247,600
Income Per Household$81042
Median Age39.0
Median Age Male40.9
Median Age Female33.5
40157 DetailsValues
StateKY
State Full NameKentucky
City TypeP
City Alias Abbreviation
Area Code270/364
CityPayneville
City Alias NamePAYNEVILLE
CountyMeade
County FIPS163
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 Businesses6
Number Of Employees18
Business First Quarter Payroll104
Business Annual Payroll467
Business Employment Flag
Growth Rank39
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number961
Growth Increase Percentage3.4
Metropolitan DetailsValues
CBSA Population1283566
CBSA Division Population0
Congressional District02
Congressional LandArea7177.44
Delivery Residential384
Delivery Business14
Delivery Total692
Preferred Last Line KeyX16008
Classification Code
Multi-CountyY
CSA NameLouisville/Jefferson County--Elizabethtown, KY-IN
CBSA_DIV_Name
City State KeyX16008
Land Area32.305000
Water Area0.160000
City Alias Code
City Mixed CasePayneville
City Alias Mixed CasePayneville
Box Count25
SFDU384
MFDU0
State ANSI21
County ANSI163
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number206000
Unique ZIP Name
SSA State County Code18801
Medicare CBSA Code21060
Medicare CBSA NameElizabethtown-Fort Knox, KY
Medicare CBSA TypeMetro
Market Rating Area ID3
County Mixed CaseMeade

Kentucky Homeowners Insurance News & Information

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    Family relax on the couch. Happy beautiful young parents are smiling, hugging and playing with them kids at home together Governor DeSantis recently asked the legislature for over $600 million to help lower homeowners insurance in his 2025-26 budget request. The budget proposal asks for $590 million to go towards the My Safe Florida Home […]

  • North Carolina Homeowners’ Insurance Premiums May See a 15% Increase Posted on Thursday 23rd January, 2025

    The base rate for North Carolina homeowners insurance will be headed up by an average of 15% by the middle of 2026. The rate increases are part of a settlement that was reached with the insurance industry by the North Carolina Insurance Department. The state Insurance Commissioner Mike Causey recently announced the rate increase agreement […]

  • 2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025

    While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future.  According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]