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41260 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 41260? There are over 319 occupied homes in the 41260 area. With a population size of 768, it's not uncommon for residence of Thelma, 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 $859 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 41260 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: Thelma, KY Home Insurance Rate Quotes

41260 Home Insurance Average Premiums

Local 41260 homeowners insurance quotes comparison

$609 /yr.

Shows Zip Code: 41260 lowest rates with discounts applied on average.

For the 41260, 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)		$609 /yr.
Average Coverage:$859 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1159 /yr.

What is the average home insurance cost for a home in 41260?

  • • The average homeowners insurance premium paid annually for a home in 41260 is around $859 per year.

What does it cost on average per month for home insurance in 41260?

  • • Homeowners in 41260 pay a monthly average cost per month around $72.00.

What kind of discount could I get if I combine my home and auto insurance together in 41260?

  • • Autoowners in 41260 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.

You can easily shop and compare home insurance rates within Thelma, check out other zip codes nearby 41260.
To review average rates in another zip code, click on a zip code below:
41260  | 

Home Replacement Cost Coverage in 41260

Average Building Cost Per Square Foot in 41260: $118

Location: Thelma, Kentucky (Johnson County)

Average Square Footage in 41260: 674 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 41260 before you start any project. Thelma 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 41260 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 41260 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 674 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 Thelma 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$118674$79,500
Additional Upgrades & Added Features$148674$99,375
Major Home Updates or Advancements$177674$119,250

It's important to understand that when you estimate your replacement cost of your home in the 41260 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 41260

Best Home & Auto Insurance Agencies in 41260

Housing Demographics for 41260

Population Review for 41260 Zip Code

For the city of Thelma, the population within 41260 has increased to over 662 residents in population size. The current population total is 768. We have broken down the population based on race below. In 41260, there are over 357 in male population and 411 females.

PopulationValues
Total Population768
White Population745
Black Population3
Hispanic Population10
Asian Population2
Hawaiian Population0
Indian Population2
Other Population1
Male Population357
Female Population411
Population Estimate662

Household Data for 41260

The average number of homes in 41260 is around 319, there are an average of 2.30 per household. The average house value according to local real estate values is around $79,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode319
Persons Per Household2.30
Average House Value$79,500
Income Per Household$38636
Median Age36.6
Median Age Male36.6
Median Age Female36.7
41260 DetailsValues
StateKY
State Full NameKentucky
City TypeP
City Alias Abbreviation
Area Code606
CityThelma
City Alias NameTHELMA
CountyJohnson
County FIPS115
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 Businesses4
Number Of Employees6
Business First Quarter Payroll17
Business Annual Payroll98
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 District05
Congressional LandArea11235.15
Delivery Residential288
Delivery Business1
Delivery Total463
Preferred Last Line KeyX16584
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyX16584
Land Area2.845000
Water Area0.031000
City Alias Code
City Mixed CaseThelma
City Alias Mixed CaseThelma
Box Count93
SFDU157
MFDU0
State ANSI21
County ANSI115
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number207652
Unique ZIP Name
SSA State County Code18570
Medicare CBSA Code99918
Medicare CBSA NameRural Areas in KY
Medicare CBSA TypeMicro
Market Rating Area ID8
County Mixed CaseJohnson

Kentucky Homeowners Insurance News & Information

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    A homeowner in North Carolina was greeted with a nasty surprise this year, a 41% increase in his insurance premium.  On average, homeowners in North Carolina saw a rate jump of 7.5% on June 1st due to a settlement reached by the North Carolina Department of Insurance but this certainly doesn’t explain a 41% increase.  Doug Corkhill is […]

  • Is the U.S. Home Buying Market Going to Drop in 2025? Posted on Friday 4th July, 2025

    A recent report from the Harvard Joint Center for Housing Studies found that U.S. homebuying has dropped to its lowest levels since the mid-1990s. The report, The State of the Nation’s Housing 2025 blames record high real estate prices combined with higher interests for the drop in home sales.  While high home prices and elevated interest rates […]

  • Florida Homeowners Are Concerned About Property Insurance Crisis Posted on Tuesday 1st July, 2025

    Insurance rates are rising at unprecedented rates, causing millions of people to struggle with the new premiums.  In the last three years, insurance rates have doubled in some areas. Homeowners fear for their houses while their representatives in Congress struggle to help.  Insurers are pulling out of states like Florida as damaging hurricanes and powerful […]