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Home Insurance in 40390
Our rates are very competitive for homeowners living in the 40390 zip code. Many homeowners based out of Wilmore, 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 40390 should appear in the zip code field ready to go.
40390 Average Home Insurance Rates
Are you looking for a standard HO-3 homeowners policy for your single family home in the Wilmore area? The average homeowners premium in 40390 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 40390, you can expect to pay around $832 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 40390
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 40390 home insurance shopping today!
40390 Home Insurance Average Premiums
$582 /yr.
Shows Zip Code: 40390 lowest rates with discounts applied on average.
For the 40390, 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) | $582 /yr. |
| Average Coverage: | $832 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1132 /yr. |
What is the average home insurance cost for a home in 40390?
- • The average homeowners insurance premium paid annually for a home in 40390 is around $832 per year.
What does it cost on average per month for home insurance in 40390?
- • Homeowners in 40390 pay a monthly average cost per month around $69.00.
What kind of discount could I get if I combine my home and auto insurance together in 40390?
- • Autoowners in 40390 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 Wilmore area, check out other zip codes nearby 40390.
Review average rates in another zip code:
40390 homeowners insurance rates
Home Replacement Cost Coverage in 40390
Average Building Cost Per Square Foot in 40390: $118
Location: Wilmore, Kentucky (Jessamine County)Average Square Footage in 40390: 1,584 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 40390 before you start any project. Wilmore 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 40390 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 40390 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,584 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 Wilmore 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $118 | 1,584 | $186,900 |
| Additional Upgrades & Added Features | $148 | 1,584 | $233,625 |
| Major Home Updates or Advancements | $177 | 1,584 | $280,350 |
It's important to understand that when you estimate your replacement cost of your home in the 40390 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 40390
Best Home & Auto Insurance Agencies in 40390
Housing Demographics for 40390
Population Review for 40390 Zip Code
For the city of Wilmore, the population within 40390 has increased to over 6,722 residents in population size. The current population total is 7,469. We have broken down the population based on race below. In 40390, there are over 3668 in male population and 3801 females.
| Population | Values |
|---|---|
| Total Population | 7,469 |
| White Population | 6594 |
| Black Population | 204 |
| Hispanic Population | 286 |
| Asian Population | 199 |
| Hawaiian Population | 2 |
| Indian Population | 25 |
| Other Population | 117 |
| Male Population | 3668 |
| Female Population | 3801 |
| Population Estimate | 6722 |
Household Data for 40390
The average number of homes in 40390 is around 2,391, there are an average of 2.62 per household. The average house value according to local real estate values is around $186,900. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 2,391 |
| Persons Per Household | 2.62 |
| Average House Value | $186,900 |
| Income Per Household | $58702 |
| Median Age | 32.8 |
| Median Age Male | 32.8 |
| Median Age Female | 32.9 |
| 40390 Details | Values |
|---|---|
| State | KY |
| State Full Name | Kentucky |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 859 |
| City | Wilmore |
| City Alias Name | WILMORE |
| County | Jessamine |
| County FIPS | 113 |
| State FIPS | 21 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | 4280 |
| PMSA | |
| CSA | 336 |
| CBSA | 30460 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Lexington-Fayette, KY |
| MSA_Name | Lexington, KY MSA |
| PMSA_Name | |
| Region | South |
| Division | East South Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 102 |
| Number Of Employees | 2008 |
| Business First Quarter Payroll | 11357 |
| Business Annual Payroll | 47901 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 472099 |
| CBSA Division Population | 0 |
| Congressional District | 06 |
| Congressional LandArea | 4292.72 |
| Delivery Residential | 2566 |
| Delivery Business | 68 |
| Delivery Total | 2763 |
| Preferred Last Line Key | X16812 |
| Classification Code | |
| Multi-County | Y |
| CSA Name | Lexington-Fayette--Richmond--Frankfort, KY |
| CBSA_DIV_Name | |
| City State Key | X16812 |
| Land Area | 24.710000 |
| Water Area | 0.675000 |
| City Alias Code | |
| City Mixed Case | Wilmore |
| City Alias Mixed Case | Wilmore |
| Box Count | 74 |
| SFDU | 2022 |
| MFDU | 49 |
| State ANSI | 21 |
| County ANSI | 113 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | C |
| Finance Number | 208416 |
| Unique ZIP Name | |
| SSA State County Code | 18560 |
| Medicare CBSA Code | 30460 |
| Medicare CBSA Name | Lexington-Fayette, KY |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 5 |
| County Mixed Case | Jessamine |
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