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40939 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 40939? There are over 64 occupied homes in the 40939 area. With a population size of 176, it's not uncommon for residence of Fourmile, KY to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Kentucky is around $839 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 40939 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Fourmile, KY Home Insurance Rate Quotes

40939 Home Insurance Average Premiums

Local 40939 homeowners insurance quotes comparison

$589 /yr.

Shows Zip Code: 40939 lowest rates with discounts applied on average.

For the 40939, 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 40939?

  • • The average homeowners insurance premium paid annually for a home in 40939 is around $839 per year.

What does it cost on average per month for home insurance in 40939?

  • • Homeowners in 40939 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 40939?

  • • Autoowners in 40939 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 Fourmile area, check out other zip codes nearby 40939.
Review average rates in another zip code:
40939 homeowners insurance rates

Home Replacement Cost Coverage in 40939

Average Building Cost Per Square Foot in 40939: $118

Location: Fourmile, Kentucky (Bell County)

Average Square Footage in 40939: 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 40939 before you start any project. Fourmile 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 40939 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 40939 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 Fourmile 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 40939 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 40939

Best Home & Auto Insurance Agencies in 40939

Housing Demographics for 40939

Population Review for 40939 Zip Code

For the city of Fourmile, the population within 40939 has increased to over 288 residents in population size. The current population total is 176. We have broken down the population based on race below. In 40939, there are over 83 in male population and 93 females.

PopulationValues
Total Population176
White Population157
Black Population0
Hispanic Population4
Asian Population0
Hawaiian Population0
Indian Population0
Other Population2
Male Population83
Female Population93
Population Estimate288

Household Data for 40939

The average number of homes in 40939 is around 64, there are an average of 2.75 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 Zipcode64
Persons Per Household2.75
Average House Value$165,000
Income Per Household$0
Median Age43.5
Median Age Male41.8
Median Age Female45.5
40939 DetailsValues
StateKY
State Full NameKentucky
City TypeP
City Alias Abbreviation
Area Code606
CityFourmile
City Alias NameFOURMILE
CountyBell
County FIPS013
State FIPS21
Time Zone5
Day Light SavingY
MSA
PMSA
CSA371
CBSA33180
CBSA_DIV
CBSA_TypeMicro
CBSA_NameMiddlesborough, KY
MSA_Name
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses5
Number Of Employees81
Business First Quarter Payroll1692
Business Annual Payroll5881
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population28691
CBSA Division Population0
Congressional District05
Congressional LandArea11235.15
Delivery Residential105
Delivery Business2
Delivery Total265
Preferred Last Line KeyX15043
Classification Code
Multi-CountyY
CSA NameMiddlesborough-Corbin, KY
CBSA_DIV_Name
City State KeyX15043
Land Area6.329000
Water Area0.030000
City Alias Code
City Mixed CaseFourmile
City Alias Mixed CaseFourmile
Box Count153
SFDU105
MFDU0
State ANSI21
County ANSI013
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number202904
Unique ZIP Name
SSA State County Code18060
Medicare CBSA Code99918
Medicare CBSA NameRural Areas in KY
Medicare CBSA TypeMicro
Market Rating Area ID8
County Mixed CaseBell

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