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40729, KY Home Insurance

In the zip code of 40729, the population size is around 5,815, which consists of 2,207 occupied homes in your area. We often hear homeowners ask us what the average home insurance premiums are for residence living in East Bernstadt, KY. A few years ago, a study was done and found that the average home insurance rates for Kentucky are around $877 per year for a standard homeowners policy. At GetHomeInsuranceQuotes.com, we help homeowners find cheaper rates and better coverage for an existing or new home purchase opportunity. We have partnered with 12 major home insurance companies that have the most competitive rates for homes in the 40729 zip code location. Our savings model helps you not only save up to 40% or more, but also includes enhanced coverage options to help protect your home and family while livings in East Bernstadt. If you enter your zip code for the home you would like to shop and compare rates for today, we can help you review the premiums and coverage online or over the phone. Give us a call now at 1-855-976-2656 so we can help you compare rates today!

If you would like to review more information on rates within your area, please click East Bernstadt, KY Homeowners Insurance Online Rates Today!

40729 Home Insurance Average Premiums

Local 40729 homeowners insurance quotes comparison

$627 /yr.

Shows Zip Code: 40729 lowest rates with discounts applied on average.

For the 40729, 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)
$627 /yr.
Average Coverage:$877 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1177 /yr.

What is the average home insurance cost for a home in 40729?

  • • The average homeowners insurance premium paid annually for a home in 40729 is around $877 per year.

What does it cost on average per month for home insurance in 40729?

  • • Homeowners in 40729 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 40729?

  • • Autoowners in 40729 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 East Bernstadt area, check out other zip codes nearby 40729.
Review average rates in another zip code:
40729 homeowners insurance rates

Home Replacement Cost Coverage in 40729

Average Building Cost Per Square Foot in 40729: $118

Location: East Bernstadt, Kentucky (Laurel County)

Average Square Footage in 40729: 615 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 40729 before you start any project. East Bernstadt 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 40729 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 40729 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 615 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 East Bernstadt 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$118615$72,600
Additional Upgrades & Added Features$148615$90,750
Major Home Updates or Advancements$177615$108,900

It's important to understand that when you estimate your replacement cost of your home in the 40729 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 40729

Best Home & Auto Insurance Agencies in 40729

Housing Demographics for 40729

Population Review for 40729 Zip Code

For the city of East Bernstadt, the population within 40729 has increased to over 6,022 residents in population size. The current population total is 5,815. We have broken down the population based on race below. In 40729, there are over 2896 in male population and 2919 females.

PopulationValues
Total Population5,815
White Population5550
Black Population63
Hispanic Population66
Asian Population8
Hawaiian Population0
Indian Population15
Other Population17
Male Population2896
Female Population2919
Population Estimate6022

Household Data for 40729

The average number of homes in 40729 is around 2,207, there are an average of 2.63 per household. The average house value according to local real estate values is around $72,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,207
Persons Per Household2.63
Average House Value$72,600
Income Per Household$38288
Median Age41.0
Median Age Male40.8
Median Age Female41.1
40729 DetailsValues
StateKY
State Full NameKentucky
City TypeP
City Alias AbbreviationE BERNSTADT
Area Code606
CityEast Bernstadt
City Alias NameEAST BERNSTADT
CountyLaurel
County FIPS125
State FIPS21
Time Zone5
Day Light SavingY
MSA
PMSA
CSA371
CBSA18340
CBSA_DIV
CBSA_TypeMicro
CBSA_NameCorbin, KY
MSA_Name
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses48
Number Of Employees725
Business First Quarter Payroll7153
Business Annual Payroll35544
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population35637
CBSA Division Population0
Congressional District05
Congressional LandArea11235.15
Delivery Residential2290
Delivery Business38
Delivery Total2743
Preferred Last Line KeyX14871
Classification Code
Multi-County
CSA NameMiddlesborough-Corbin, KY
CBSA_DIV_Name
City State KeyX14871
Land Area75.086000
Water Area0.626000
City Alias Code
City Mixed CaseEast Bernstadt
City Alias Mixed CaseEast Bernstadt
Box Count380
SFDU2285
MFDU0
State ANSI21
County ANSI125
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number202336
Unique ZIP Name
SSA State County Code18620
Medicare CBSA Code99918
Medicare CBSA NameRural Areas in KY
Medicare CBSA TypeMicro
Market Rating Area ID8
County Mixed CaseLaurel

Kentucky Homeowners Insurance News & Information

  • 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 […]

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]