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41124 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 41124 zip code it's important to know that our rates are very competitive for homeowners living in Blaine, KY. Many homeowners based out of your 41124 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, 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 the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 41124 should appear in the zip code field ready to go. For Blaine, KY Homeowners Insurance Quotes nearby, we offer the best rates and service.

41124: Average Home Insurance Rates

For homeowners living in the great city of Blaine, the average homeowners policy is considered medium in comparison to other states. Kentucky premiums are estimated to be around $886 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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41124 Home Insurance Average Premiums

Local 41124 homeowners insurance quotes comparison

$636 /yr.

Shows Zip Code: 41124 lowest rates with discounts applied on average.

For the 41124, 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)		$636 /yr.
Average Coverage:$886 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1186 /yr.

What is the average home insurance cost for a home in 41124?

  • • The average homeowners insurance premium paid annually for a home in 41124 is around $886 per year.

What does it cost on average per month for home insurance in 41124?

  • • Homeowners in 41124 pay a monthly average cost per month around $74.00.

What kind of discount could I get if I combine my home and auto insurance together in 41124?

  • • Autoowners in 41124 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 Blaine area, check out other zip codes nearby 41124.
Review average rates in another zip code:
41124 homeowners insurance rates

Home Replacement Cost Coverage in 41124

Average Building Cost Per Square Foot in 41124: $118

Location: Blaine, Kentucky (Lawrence County)

Average Square Footage in 41124: 492 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 41124 before you start any project. Blaine 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 41124 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 41124 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 492 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 Blaine 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$118492$58,100
Additional Upgrades & Added Features$148492$72,625
Major Home Updates or Advancements$177492$87,150

It's important to understand that when you estimate your replacement cost of your home in the 41124 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 41124

Best Home & Auto Insurance Agencies in 41124

Housing Demographics for 41124

Population Review for 41124 Zip Code

For the city of Blaine, the population within 41124 has increased to over 1,060 residents in population size. The current population total is 976. We have broken down the population based on race below. In 41124, there are over 466 in male population and 510 females.

PopulationValues
Total Population976
White Population931
Black Population3
Hispanic Population7
Asian Population1
Hawaiian Population0
Indian Population0
Other Population1
Male Population466
Female Population510
Population Estimate1060

Household Data for 41124

The average number of homes in 41124 is around 391, there are an average of 2.50 per household. The average house value according to local real estate values is around $58,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode391
Persons Per Household2.50
Average House Value$58,100
Income Per Household$32813
Median Age43.0
Median Age Male42.8
Median Age Female43.0
41124 DetailsValues
StateKY
State Full NameKentucky
City TypeP
City Alias Abbreviation
Area Code606
CityBlaine
City Alias NameBLAINE
CountyLawrence
County FIPS127
State FIPS21
Time Zone5
Day Light SavingY
MSA
PMSA
CSA170
CBSA26580
CBSA_DIV
CBSA_TypeMetro
CBSA_NameHuntington-Ashland, WV-KY-OH
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 Population287702
CBSA Division Population0
Congressional District05
Congressional LandArea11235.15
Delivery Residential424
Delivery Business1
Delivery Total453
Preferred Last Line KeyX14352
Classification Code
Multi-County
CSA NameCharleston-Huntington-Ashland, WV-OH-KY
CBSA_DIV_Name
City State KeyX14352
Land Area59.243000
Water Area0.076000
City Alias Code
City Mixed CaseBlaine
City Alias Mixed CaseBlaine
Box Count23
SFDU424
MFDU0
State ANSI21
County ANSI127
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number200728
Unique ZIP Name
SSA State County Code18630
Medicare CBSA Code99918
Medicare CBSA NameRural Areas in KY
Medicare CBSA TypeMicro
Market Rating Area ID7
County Mixed CaseLawrence

Kentucky Homeowners Insurance News & Information

  • Can $600 Million Help Lower Florida Homeowners Insurance Rates? Posted on Friday 14th February, 2025

    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 […]