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If you live in the 41274 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of Wittensville have saved hundreds of dollars on their annual premium when using GetHomeInsuranceQuotes.com.

Our service is always free and we not only find a great policy for you, our KY licensed agents will provide you with a free consultation to discuss your coverage needs and answer any questions you may have regarding policy coverages or rates.

It is easy to start shopping for a new policy, just click on the "Get Multiple Quotes Now" button below, confirm your 41274 and then compare quotes from a variety of nationwide insurance companies.

41274 Average Homeowners Insurance Rates

If you are shopping for a HO-3 policy, which is considered the standard when it comes to homeowners insurance, we can help. In 41274 the average premium for homeowners coverage is $839 which compares very well to the national average of $1,249.

Our site makes it easy for you to find the insurer that offers the best coverage at the best rate in 41274. We are happy to answer any questions you may have and explain the different type of coverage while helping you determine what coverage levels are best for your family.

Get Free Home Insurance Quotes in 41274 Today!

We can help you find up to 12 homeowners insurance quotes quickly and from the comfort of your own home. In addition, we can do a discount review to make sure you are getting all available discounts on your policy.

Click to review the best Wittensville, KY home insurance quotes in your area.

41274 Home Insurance Average Premiums

Local 41274 homeowners insurance quotes comparison

$589 /yr.

Shows Zip Code: 41274 lowest rates with discounts applied on average.

For the 41274, 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 41274?

  • • The average homeowners insurance premium paid annually for a home in 41274 is around $839 per year.

What does it cost on average per month for home insurance in 41274?

  • • Homeowners in 41274 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 41274?

  • • Autoowners in 41274 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 Wittensville area, check out other zip codes nearby 41274.
Review average rates in another zip code:
41274 homeowners insurance rates

Home Replacement Cost Coverage in 41274

Average Building Cost Per Square Foot in 41274: $118

Location: Wittensville, Kentucky (Johnson County)

Average Square Footage in 41274: 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 41274 before you start any project. Wittensville 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 41274 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 41274 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 Wittensville 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 41274 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 41274

Best Home & Auto Insurance Agencies in 41274

Housing Demographics for 41274

Population Review for 41274 Zip Code

For the city of Wittensville, the population within 41274 has increased to over 559 residents in population size. The current population total is 593. We have broken down the population based on race below. In 41274, there are over 265 in male population and 328 females.

PopulationValues
Total Population593
White Population573
Black Population0
Hispanic Population1
Asian Population3
Hawaiian Population0
Indian Population1
Other Population1
Male Population265
Female Population328
Population Estimate559

Household Data for 41274

The average number of homes in 41274 is around 256, there are an average of 2.32 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 Zipcode256
Persons Per Household2.32
Average House Value$165,000
Income Per Household$0
Median Age40.6
Median Age Male29.1
Median Age Female41.9
41274 DetailsValues
StateKY
State Full NameKentucky
City TypeP
City Alias Abbreviation
Area Code606
CityWittensville
City Alias NameWITTENSVILLE
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 Businesses5
Number Of Employees16
Business First Quarter Payroll94
Business Annual Payroll300
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 Residential241
Delivery Business3
Delivery Total401
Preferred Last Line KeyX16827
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyX16827
Land Area4.102000
Water Area0.001000
City Alias Code
City Mixed CaseWittensville
City Alias Mixed CaseWittensville
Box Count151
SFDU168
MFDU0
State ANSI21
County ANSI115
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number208476
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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    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 […]