Get multiple home insurance quotes in 40350. Our licensed 40350, KY agents are ready to serve you.

40350 Home Insurance Rates & Premiums

Did you know there are over 265 people living within the 40350 zip code area? There are over 118 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 40350.

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 $839 a year for a standard homeowners insurance policy in Moorefield. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Moorefield, KY Homeowners Insurance Quotes Online

40350 Home Insurance Average Premiums

Local 40350 homeowners insurance quotes comparison

$589 /yr.

Shows Zip Code: 40350 lowest rates with discounts applied on average.

For the 40350, 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)		$589 /yr.
Average Coverage:$839 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1139 /yr.

What is the average home insurance cost for a home in 40350?

  • • The average homeowners insurance premium paid annually for a home in 40350 is around $839 per year.

What does it cost on average per month for home insurance in 40350?

  • • Homeowners in 40350 pay a monthly average cost per month around $70.00.

What kind of discount could I get if I combine my home and auto insurance together in 40350?

  • • Autoowners in 40350 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 Moorefield area, check out other zip codes nearby 40350.
Review average rates in another zip code:
40350 homeowners insurance rates

Home Replacement Cost Coverage in 40350

Average Building Cost Per Square Foot in 40350: $118

Location: Moorefield, Kentucky (Nicholas County)

Average Square Footage in 40350: 1,398 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 40350 before you start any project. Moorefield 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 40350 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 40350 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,398 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 Moorefield 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$1181,398$165,000
Additional Upgrades & Added Features$1481,398$206,250
Major Home Updates or Advancements$1771,398$247,500

It's important to understand that when you estimate your replacement cost of your home in the 40350 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 40350

Best Home & Auto Insurance Agencies in 40350

Housing Demographics for 40350

Population Review for 40350 Zip Code

For the city of Moorefield, the population within 40350 has increased to over 245 residents in population size. The current population total is 265. We have broken down the population based on race below. In 40350, there are over 132 in male population and 133 females.

PopulationValues
Total Population265
White Population253
Black Population2
Hispanic Population4
Asian Population0
Hawaiian Population0
Indian Population2
Other Population2
Male Population132
Female Population133
Population Estimate245

Household Data for 40350

The average number of homes in 40350 is around 118, there are an average of 2.25 per household. The average house value according to local real estate values is around $165,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode118
Persons Per Household2.25
Average House Value$165,000
Income Per Household$0
Median Age43.3
Median Age Male41.0
Median Age Female44.3
40350 DetailsValues
StateKY
State Full NameKentucky
City TypeN
City Alias Abbreviation
Area Code859/606
CityMoorefield
City Alias NameMOOREFIELD
CountyNicholas
County FIPS181
State FIPS21
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses0
Number Of Employees0
Business First Quarter Payroll0
Business Annual Payroll0
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District06
Congressional LandArea4292.72
Delivery Residential109
Delivery Business0
Delivery Total109
Preferred Last Line Key004277
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State Key004277
Land Area14.215000
Water Area0.170000
City Alias Code
City Mixed CaseMoorefield
City Alias Mixed CaseMoorefield
Box Count0
SFDU109
MFDU0
State ANSI21
County ANSI181
ZIP Intro
Alias Intro
Facility CodeN
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number201288
Unique ZIP Name
SSA State County Code18900
Medicare CBSA Code99918
Medicare CBSA NameRural Areas in KY
Medicare CBSA TypeMicro
Market Rating Area ID5
County Mixed CaseNicholas

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