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Home Insurance in 40210

Our rates are very competitive for homeowners living in the 40210 zip code. Many homeowners based out of Louisville, KY have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our KY licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 40210 should appear in the zip code field ready to go.

40210 Average Home Insurance Rates

Are you looking for a standard HO-3 homeowners policy for your single family home in the Louisville area? The average homeowners premium in 40210 is medium in comparison to other states. For example, the national average is $1,249 per year for home insurance coverage for a basic home insurance policy. For homeowners living in the 40210, you can expect to pay around $873 per year for homeowners coverage. If you want to see which company has the best rates and coverage options, than easily compare rates with us. You can review each premium and we can help explain any question that you may have about different types of coverages and what is best for you and your family.

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Get Home Insurance Quotes in 40210

We can shop up to 12 home insurance quotes for you easily online. You can find out more by exploring one of the three links below to review average homeowners insurance rates in the great state of Kentucky. Start your 40210 home insurance shopping today!

  1. Louisville, KY Home Insurance Quotes

40210 Home Insurance Average Premiums

Local 40210 homeowners insurance quotes comparison

$623 /yr.

Shows Zip Code: 40210 lowest rates with discounts applied on average.

For the 40210, 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)		$623 /yr.
Average Coverage:$873 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1173 /yr.

What is the average home insurance cost for a home in 40210?

  • • The average homeowners insurance premium paid annually for a home in 40210 is around $873 per year.

What does it cost on average per month for home insurance in 40210?

  • • Homeowners in 40210 pay a monthly average cost per month around $73.00.

What kind of discount could I get if I combine my home and auto insurance together in 40210?

  • • Autoowners in 40210 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 Louisville area, check out other zip codes nearby 40210.
Review average rates in another zip code:
40213 homeowners insurance rates
40258 homeowners insurance rates
40205 homeowners insurance rates
40202 homeowners insurance rates
40203 homeowners insurance rates
40222 homeowners insurance rates
40217 homeowners insurance rates
40204 homeowners insurance rates
40223 homeowners insurance rates
40242 homeowners insurance rates

Home Replacement Cost Coverage in 40210

Average Building Cost Per Square Foot in 40210: $118

Location: Louisville, Kentucky (Jefferson County)

Average Square Footage in 40210: 647 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 40210 before you start any project. Louisville 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 40210 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 40210 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 647 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 Louisville 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$118647$76,300
Additional Upgrades & Added Features$148647$95,375
Major Home Updates or Advancements$177647$114,450

It's important to understand that when you estimate your replacement cost of your home in the 40210 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 40210

Best Home & Auto Insurance Agencies in 40210

Housing Demographics for 40210

Population Review for 40210 Zip Code

For the city of Louisville, the population within 40210 has increased to over 15,425 residents in population size. The current population total is 14,418. We have broken down the population based on race below. In 40210, there are over 6550 in male population and 7868 females.

PopulationValues
Total Population14,418
White Population1385
Black Population12003
Hispanic Population408
Asian Population40
Hawaiian Population9
Indian Population40
Other Population225
Male Population6550
Female Population7868
Population Estimate15425

Household Data for 40210

The average number of homes in 40210 is around 5,732, there are an average of 2.45 per household. The average house value according to local real estate values is around $76,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,732
Persons Per Household2.45
Average House Value$76,300
Income Per Household$29733
Median Age35.9
Median Age Male34.4
Median Age Female37.1
40210 DetailsValues
StateKY
State Full NameKentucky
City TypeP
City Alias Abbreviation
Area Code502
CityLouisville
City Alias NameLOUISVILLE
CountyJefferson
County FIPS111
State FIPS21
Time Zone5
Day Light SavingY
MSA4520
PMSA
CSA350
CBSA31140
CBSA_DIV
CBSA_TypeMetro
CBSA_NameLouisville/Jefferson County, KY-IN
MSA_NameLouisville, KY-IN MSA
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses171
Number Of Employees4760
Business First Quarter Payroll70806
Business Annual Payroll302199
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 District03
Congressional LandArea319.34
Delivery Residential6296
Delivery Business319
Delivery Total6604
Preferred Last Line KeyX15639
Classification Code
Multi-County
CSA NameLouisville/Jefferson County--Elizabethtown, KY-IN
CBSA_DIV_Name
City State KeyX15639
Land Area3.174000
Water Area0.000000
City Alias Code
City Mixed CaseLouisville
City Alias Mixed CaseLouisville
Box Count0
SFDU5031
MFDU538
State ANSI21
County ANSI111
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number204788
Unique ZIP Name
SSA State County Code18550
Medicare CBSA Code31140
Medicare CBSA NameLouisville/Jefferson County, KY-IN
Medicare CBSA TypeMetro
Market Rating Area ID3
County Mixed CaseJefferson

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