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Compare 40445 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Livingston just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 351 neighbors looking to save on their home insurance policy in the local 40445 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 40445. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Kentucky rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Livingston, KY home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Livingston, KY

40445 Home Insurance Average Premiums

Local 40445 homeowners insurance quotes comparison

$625 /yr.

Shows Zip Code: 40445 lowest rates with discounts applied on average.

For the 40445, 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)		$625 /yr.
Average Coverage:$875 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1175 /yr.

What is the average home insurance cost for a home in 40445?

  • • The average homeowners insurance premium paid annually for a home in 40445 is around $875 per year.

What does it cost on average per month for home insurance in 40445?

  • • Homeowners in 40445 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 40445?

  • • Autoowners in 40445 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 Livingston area, check out other zip codes nearby 40445.
Review average rates in another zip code:
40445 homeowners insurance rates

Home Replacement Cost Coverage in 40445

Average Building Cost Per Square Foot in 40445: $118

Location: Livingston, Kentucky (Rockcastle County)

Average Square Footage in 40445: 648 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 40445 before you start any project. Livingston 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 40445 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 40445 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 648 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 Livingston 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$118648$76,500
Additional Upgrades & Added Features$148648$95,625
Major Home Updates or Advancements$177648$114,750

It's important to understand that when you estimate your replacement cost of your home in the 40445 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 40445

Best Home & Auto Insurance Agencies in 40445

Housing Demographics for 40445

Population Review for 40445 Zip Code

For the city of Livingston, the population within 40445 has increased to over 631 residents in population size. The current population total is 820. We have broken down the population based on race below. In 40445, there are over 413 in male population and 407 females.

PopulationValues
Total Population820
White Population787
Black Population0
Hispanic Population11
Asian Population1
Hawaiian Population0
Indian Population0
Other Population9
Male Population413
Female Population407
Population Estimate631

Household Data for 40445

The average number of homes in 40445 is around 351, there are an average of 2.34 per household. The average house value according to local real estate values is around $76,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode351
Persons Per Household2.34
Average House Value$76,500
Income Per Household$23750
Median Age48.8
Median Age Male49.1
Median Age Female48.6
40445 DetailsValues
StateKY
State Full NameKentucky
City TypeP
City Alias Abbreviation
Area Code606
CityLivingston
City Alias NameLIVINGSTON
CountyRockcastle
County FIPS203
State FIPS21
Time Zone5
Day Light SavingY
MSA
PMSA
CSA336
CBSA40080
CBSA_DIV
CBSA_TypeMicro
CBSA_NameRichmond-Berea, KY
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 Population99972
CBSA Division Population0
Congressional District05
Congressional LandArea11235.15
Delivery Residential270
Delivery Business5
Delivery Total586
Preferred Last Line KeyX15609
Classification Code
Multi-County
CSA NameLexington-Fayette--Richmond--Frankfort, KY
CBSA_DIV_Name
City State KeyX15609
Land Area48.869000
Water Area0.458000
City Alias Code
City Mixed CaseLivingston
City Alias Mixed CaseLivingston
Box Count177
SFDU254
MFDU0
State ANSI21
County ANSI203
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number204704
Unique ZIP Name
SSA State County Code18974
Medicare CBSA Code99918
Medicare CBSA NameRural Areas in KY
Medicare CBSA TypeMicro
Market Rating Area ID5
County Mixed CaseRockcastle

Kentucky Homeowners Insurance News & Information

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    Family relax on the couch. Happy beautiful young parents are smiling, hugging and playing with them kids at home together Governor DeSantis recently asked the legislature for over $600 million to help lower homeowners insurance in his 2025-26 budget request. The budget proposal asks for $590 million to go towards the My Safe Florida Home […]

  • North Carolina Homeowners’ Insurance Premiums May See a 15% Increase Posted on Thursday 23rd January, 2025

    The base rate for North Carolina homeowners insurance will be headed up by an average of 15% by the middle of 2026. The rate increases are part of a settlement that was reached with the insurance industry by the North Carolina Insurance Department. The state Insurance Commissioner Mike Causey recently announced the rate increase agreement […]

  • 2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025

    While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future.  According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]