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Home Insurance Rates in 40402

For homeowners shopping online in 40402, our insurance rates are very competitive for homeowners living in Annville, KY. Many homeowners based out of the great city of Annville have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Kentucky licensed agents can provide a free consultation service to you that allows you to ask questions about which rates and coverage options are best suited for you and your family. To get free home insurance quotes in 40402, simply click the "Get Multiple Quotes Now" button. Your 40402 should appear in the zip code field ready to go. We only need some basic home information to start running multiple quotes for you. Annville, KY Home Insurance Rate Quotes are available for you, we easily review and compare multiple coverage and rate options.

40402 Home Insurance Rating is: Medium!

If you live in 40402, you can easily save up to 40% off the average home insurance premium of $858 a year by letting us help you compare the best rate and coverage option for your home. We can compare up to 12 major top rated home insurance companies all at once. We also will do a professional analysis to determine which coverage is best suited to cover the risk that you need. Home insurance in Annville can come in a variety of different packages, it's important to understand which homeowners policy is best. Let us help you compare home insurance rates in 40402 today!

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40402 Home Insurance Average Premiums

Local 40402 homeowners insurance quotes comparison

$608 /yr.

Shows Zip Code: 40402 lowest rates with discounts applied on average.

For the 40402, 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)		$608 /yr.
Average Coverage:$858 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1158 /yr.

What is the average home insurance cost for a home in 40402?

  • • The average homeowners insurance premium paid annually for a home in 40402 is around $858 per year.

What does it cost on average per month for home insurance in 40402?

  • • Homeowners in 40402 pay a monthly average cost per month around $72.00.

What kind of discount could I get if I combine my home and auto insurance together in 40402?

  • • Autoowners in 40402 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 Annville area, check out other zip codes nearby 40402.
Review average rates in another zip code:
40402 homeowners insurance rates

Home Replacement Cost Coverage in 40402

Average Building Cost Per Square Foot in 40402: $118

Location: Annville, Kentucky (Jackson County)

Average Square Footage in 40402: 636 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 40402 before you start any project. Annville 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 40402 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 40402 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 636 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 Annville 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$118636$75,000
Additional Upgrades & Added Features$148636$93,750
Major Home Updates or Advancements$177636$112,500

It's important to understand that when you estimate your replacement cost of your home in the 40402 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 40402

Best Home & Auto Insurance Agencies in 40402

Housing Demographics for 40402

Population Review for 40402 Zip Code

For the city of Annville, the population within 40402 has increased to over 2,783 residents in population size. The current population total is 3,000. We have broken down the population based on race below. In 40402, there are over 1458 in male population and 1542 females.

PopulationValues
Total Population3,000
White Population2892
Black Population2
Hispanic Population19
Asian Population2
Hawaiian Population1
Indian Population11
Other Population9
Male Population1458
Female Population1542
Population Estimate2783

Household Data for 40402

The average number of homes in 40402 is around 1,158, there are an average of 2.53 per household. The average house value according to local real estate values is around $75,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,158
Persons Per Household2.53
Average House Value$75,000
Income Per Household$43750
Median Age42.1
Median Age Male42.5
Median Age Female41.8
40402 DetailsValues
StateKY
State Full NameKentucky
City TypeP
City Alias Abbreviation
Area Code606
CityAnnville
City Alias NameANNVILLE
CountyJackson
County FIPS109
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 Businesses35
Number Of Employees474
Business First Quarter Payroll3829
Business Annual Payroll16724
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 District05
Congressional LandArea11235.15
Delivery Residential1100
Delivery Business29
Delivery Total1390
Preferred Last Line KeyX14199
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyX14199
Land Area48.318000
Water Area0.172000
City Alias Code
City Mixed CaseAnnville
City Alias Mixed CaseAnnville
Box Count229
SFDU1085
MFDU0
State ANSI21
County ANSI109
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number200184
Unique ZIP Name
SSA State County Code18540
Medicare CBSA Code99918
Medicare CBSA NameRural Areas in KY
Medicare CBSA TypeMicro
Market Rating Area ID5
County Mixed CaseJackson

Kentucky Homeowners Insurance News & Information

  • Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024

    Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies.  Here are some common exclusions that could leave you […]

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]