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41008 Home Insurance Quotes & Rates

Currently, the 2,900 homes within the 41008 zip code are being challenged with rate increases and the demand for more affordable homeowners insurance premiums. The average home insurance rate for Kentucky is around $900 per year for a standard HO-3 homeowners policy. A standard homeowners policy in Carrollton, KY, insures your home from theft, fire, windstorm damage and liability accidents on your property. Flood or earthquake damage is not covered under a basic homeowners policy, we can help you review the best coverage option for your home in 41008.

Kentucky is now ranking #28 in the country for the highest premiums. If you are trying to lower your premium and want to compare up to 12 Carrollton home insurance quotes all in one place then GetHomeInsuranceQuotes.com of Kentucky has the online shopping service for you. Our hassle free online quoting application allows homeowners in the 41008 area to review and compare the best rates and coverage options. We can provide a free consultation process to help you decide which carrier, coverage and policy is the best fit for you and your family. We realize that protecting your most valuable investment is very important to you, that is why we want to help you increase your coverage while providing the most affordable rates available. Let us help you shop and compare your Carrollton, Kentucky home insurance rates today!

Please give us a call now at 1-855-976-2656, easily get up to 12 rates over the phone in minutes. For Carrollton, KY Home Insurance Quotes, start your shopping process to today, it's easy and hassle free!

41008 Home Insurance Average Premiums

Local 41008 homeowners insurance quotes comparison

$650 /yr.

Shows Zip Code: 41008 lowest rates with discounts applied on average.

For the 41008, 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)
$650 /yr.
Average Coverage:$900 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1200 /yr.

What is the average home insurance cost for a home in 41008?

  • • The average homeowners insurance premium paid annually for a home in 41008 is around $900 per year.

What does it cost on average per month for home insurance in 41008?

  • • Homeowners in 41008 pay a monthly average cost per month around $75.00.

What kind of discount could I get if I combine my home and auto insurance together in 41008?

  • • Autoowners in 41008 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 Carrollton area, check out other zip codes nearby 41008.
Review average rates in another zip code:
41008 homeowners insurance rates

Home Replacement Cost Coverage in 41008

Average Building Cost Per Square Foot in 41008: $118

Location: Carrollton, Kentucky (Carroll County)

Average Square Footage in 41008: 1,000 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 41008 before you start any project. Carrollton 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 41008 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 41008 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,000 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 Carrollton 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$1181,000$118,000
Additional Upgrades & Added Features$1481,000$147,500
Major Home Updates or Advancements$1771,000$177,000

It's important to understand that when you estimate your replacement cost of your home in the 41008 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 41008

Insurance Associates Inc

Address: 537 Highland Avenue Carrollton, KY 41008
Phone: (502)732-6653
Website:

Kentucky Farm Bureau Insurance

Address: Gillock Avenue Carrollton, KY 41008
Phone: (502)732-6710
Website: www.kyfbins.com

Best Home & Auto Insurance Agencies in 41008

Insurance Associates Inc

Address: 537 Highland Ave Carrollton, KY 41008
Phone:
Website:
Info:

Kathy Goff Insurance Agcy Inc

Address: 1206 Highland Ave Carrollton, KY 41008
Phone:
Website: http://www.kathygoff.com
Info:

Housing Demographics for 41008

Population Review for 41008 Zip Code

For the city of Carrollton, the population within 41008 has increased to over 7,663 residents in population size. The current population total is 7,602. We have broken down the population based on race below. In 41008, there are over 3804 in male population and 3798 females.

PopulationValues
Total Population7,602
White Population6576
Black Population142
Hispanic Population713
Asian Population26
Hawaiian Population3
Indian Population40
Other Population282
Male Population3804
Female Population3798
Population Estimate7663

Household Data for 41008

The average number of homes in 41008 is around 2,900, there are an average of 2.53 per household. The average house value according to local real estate values is around $118,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,900
Persons Per Household2.53
Average House Value$118,000
Income Per Household$44507
Median Age38.0
Median Age Male35.5
Median Age Female40.1
41008 DetailsValues
StateKY
State Full NameKentucky
City TypeP
City Alias Abbreviation
Area Code502
CityCarrollton
City Alias NameCARROLLTON
CountyCarroll
County FIPS041
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 Businesses176
Number Of Employees3010
Business First Quarter Payroll41178
Business Annual Payroll166721
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 District04
Congressional LandArea4382.19
Delivery Residential3029
Delivery Business258
Delivery Total3496
Preferred Last Line KeyX14530
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyX14530
Land Area47.146000
Water Area0.825000
City Alias Code
City Mixed CaseCarrollton
City Alias Mixed CaseCarrollton
Box Count147
SFDU2523
MFDU47
State ANSI21
County ANSI041
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationC
Finance Number201304
Unique ZIP Name
SSA State County Code18191
Medicare CBSA Code99918
Medicare CBSA NameRural Areas in KY
Medicare CBSA TypeMicro
Market Rating Area ID3
County Mixed CaseCarroll

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 […]