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40223 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 40223? There are over 9,747 occupied homes in the 40223 area. With a population size of 23,227, it's not uncommon for residence of Louisville, KY to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Kentucky is around $941 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 40223 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Louisville, KY Home Insurance Rate Quotes

40223 Home Insurance Average Premiums

Local 40223 homeowners insurance quotes comparison

$691 /yr.

Shows Zip Code: 40223 lowest rates with discounts applied on average.

For the 40223, 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)		$691 /yr.
Average Coverage:$941 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1241 /yr.

What is the average home insurance cost for a home in 40223?

  • • The average homeowners insurance premium paid annually for a home in 40223 is around $941 per year.

What does it cost on average per month for home insurance in 40223?

  • • Homeowners in 40223 pay a monthly average cost per month around $78.00.

What kind of discount could I get if I combine my home and auto insurance together in 40223?

  • • Autoowners in 40223 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 40223.
Review average rates in another zip code:
40280 homeowners insurance rates
40206 homeowners insurance rates
40205 homeowners insurance rates
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40220 homeowners insurance rates
40212 homeowners insurance rates
40203 homeowners insurance rates

Home Replacement Cost Coverage in 40223

Average Building Cost Per Square Foot in 40223: $118

Location: Louisville, Kentucky (Jefferson County)

Average Square Footage in 40223: 2,508 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 40223 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 40223 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 40223 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,508 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$1182,508$296,000
Additional Upgrades & Added Features$1482,508$370,000
Major Home Updates or Advancements$1772,508$444,000

It's important to understand that when you estimate your replacement cost of your home in the 40223 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 40223

Allstate Insurance - Sam Lotze

Address: 9931 Corporate Campus Dr Suite 2200 Louisville, KY 40223
Phone: (502)327-8116
Website: www.allstatetoolkit.com/clicks_rate.asp?MB_ID=6676

Glenne E Martin Insurance

Address: 10226 Shelbyville Road Louisville, KY 40223
Phone: (502)245-8870
Website:

Underwriters Sarety

Address: PO Box 23790 Louisville, KY 40223
Phone: (502)244-1343
Website: www.uscky.com

Sandy Hutchinson Agency

Address: 13326 Shelbyville Road Louisville, KY 40223
Phone: (502)245-8188
Website:

Best Home & Auto Insurance Agencies in 40223

Lisa Spalding Sherman Ins - Nationwide Insurance

Address: 10339 Linn Station Rd Louisville, KY 40223
Phone:
Website: http://www.nationwide.com/agent/Louisville-KENTUCKY-insurance-agent/lisa-sherman/office.html
Info:

John H Schoene Ins Agcy Inc - State Farm Insurance Agent

Address: 315 N English Station Rd Louisville, KY 40223
Phone:
Website:
Info:

Sandy Hutchinson Agency

Address: 13326 Shelbyville Rd Louisville, KY 40223
Phone:
Website:
Info:

Bob Dotson Insurance Agcy Inc

Address: 9800 Shelbyville Rd Louisville, KY 40223
Phone:
Website:
Info:

Allstate Insurance Companies

Address: 9931 Corporate Campus Dr Louisville, KY 40223
Phone:
Website:
Info:

Housing Demographics for 40223

Population Review for 40223 Zip Code

For the city of Louisville, the population within 40223 has increased to over 26,174 residents in population size. The current population total is 23,227. We have broken down the population based on race below. In 40223, there are over 11144 in male population and 12083 females.

PopulationValues
Total Population23,227
White Population17622
Black Population1970
Hispanic Population1189
Asian Population1524
Hawaiian Population8
Indian Population63
Other Population606
Male Population11144
Female Population12083
Population Estimate26174

Household Data for 40223

The average number of homes in 40223 is around 9,747, there are an average of 2.37 per household. The average house value according to local real estate values is around $296,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode9,747
Persons Per Household2.37
Average House Value$296,000
Income Per Household$91647
Median Age41.8
Median Age Male40.2
Median Age Female43.3
40223 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 Businesses1263
Number Of Employees33329
Business First Quarter Payroll618056
Business Annual Payroll2466632
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 Residential11044
Delivery Business1276
Delivery Total13240
Preferred Last Line KeyX15639
Classification Code
Multi-County
CSA NameLouisville/Jefferson County--Elizabethtown, KY-IN
CBSA_DIV_Name
City State KeyX15639
Land Area12.056000
Water Area0.168000
City Alias Code
City Mixed CaseLouisville
City Alias Mixed CaseLouisville
Box Count69
SFDU7054
MFDU1138
State ANSI21
County ANSI111
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
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

Kentucky Homeowners Insurance News & Information

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