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Searching for Homeowners Insurance in 41317
If you are a homeowners that lives in 41317 you may be searching for more affordable homeowners insurance in Clayhole. Insurance rates can change on a yearly basis so if your current insurer has raised your rates recently it may be time to shop your coverage and we can help.
GetHomeInsuranceQuotes.com makes shopping your insurance policy quick and easy for residents of Clayhole, KY. All you have to do is enter a bit of information about your home and we will gather 12 quotes from nationwide insurers, making sure that you get the best coverage levels and rates available.
Our Kentucky licensed agents will provide a free consultation to make sure you are fully protected as well as answer any questions you may have about policy options. Insurance can be complicated so it pays to have a professional walk you through your various policy choices. As always, our service is free.
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Check Out 41317 Home Insurance Costs: medium!
In Clayhole, homeowners are paying roughly $887 per year for a HO-3 policy which is considered the standard for a single family home. In order to find the best policy at the best price, we compare rates from some of the most competitive insurers and present you with your best options for homeowners insurance coverage in 41317 zip code.
Our service is free and we never spam our clients so you only receive the information that you request. While all situations are different, in most cases, homeowners in Clayhole are saving up to 40 percent on their policy costs by using GetHomeInsuranceQuotes.com.
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41317 Home Insurance Average Premiums
$637 /yr.
Shows Zip Code: 41317 lowest rates with discounts applied on average.
For the 41317, 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) | $637 /yr. |
| Average Coverage: | $887 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1187 /yr. |
What is the average home insurance cost for a home in 41317?
- • The average homeowners insurance premium paid annually for a home in 41317 is around $887 per year.
What does it cost on average per month for home insurance in 41317?
- • Homeowners in 41317 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 41317?
- • Autoowners in 41317 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 Clayhole area, check out other zip codes nearby 41317.
Review average rates in another zip code:
41317 homeowners insurance rates
Home Replacement Cost Coverage in 41317
Average Building Cost Per Square Foot in 41317: $118
Location: Clayhole, Kentucky (Breathitt County)Average Square Footage in 41317: 263 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 41317 before you start any project. Clayhole 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 41317 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 41317 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 263 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 Clayhole 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $118 | 263 | $31,000 |
| Additional Upgrades & Added Features | $148 | 263 | $38,750 |
| Major Home Updates or Advancements | $177 | 263 | $46,500 |
It's important to understand that when you estimate your replacement cost of your home in the 41317 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 41317
Best Home & Auto Insurance Agencies in 41317
Housing Demographics for 41317
Population Review for 41317 Zip Code
For the city of Clayhole, the population within 41317 has increased to over 394 residents in population size. The current population total is 437. We have broken down the population based on race below. In 41317, there are over 200 in male population and 237 females.
| Population | Values |
|---|---|
| Total Population | 437 |
| White Population | 390 |
| Black Population | 0 |
| Hispanic Population | 8 |
| Asian Population | 0 |
| Hawaiian Population | 1 |
| Indian Population | 0 |
| Other Population | 4 |
| Male Population | 200 |
| Female Population | 237 |
| Population Estimate | 394 |
Household Data for 41317
The average number of homes in 41317 is around 171, there are an average of 2.56 per household. The average house value according to local real estate values is around $31,000. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 171 |
| Persons Per Household | 2.56 |
| Average House Value | $31,000 |
| Income Per Household | $27692 |
| Median Age | 44.2 |
| Median Age Male | 37.8 |
| Median Age Female | 48.9 |
| 41317 Details | Values |
|---|---|
| State | KY |
| State Full Name | Kentucky |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 606 |
| City | Clayhole |
| City Alias Name | CLAYHOLE |
| County | Breathitt |
| County FIPS | 025 |
| State FIPS | 21 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | |
| CBSA_DIV | |
| CBSA_Type | |
| CBSA_Name | |
| MSA_Name | |
| PMSA_Name | |
| Region | South |
| Division | East South Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 0 |
| Number Of Employees | 0 |
| Business First Quarter Payroll | 0 |
| Business Annual Payroll | 0 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 0 |
| CBSA Division Population | 0 |
| Congressional District | 05 |
| Congressional LandArea | 11235.15 |
| Delivery Residential | 154 |
| Delivery Business | 3 |
| Delivery Total | 266 |
| Preferred Last Line Key | X14604 |
| Classification Code | |
| Multi-County | |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | X14604 |
| Land Area | 41.072000 |
| Water Area | 0.218000 |
| City Alias Code | |
| City Mixed Case | Clayhole |
| City Alias Mixed Case | Clayhole |
| Box Count | 0 |
| SFDU | 154 |
| MFDU | 0 |
| State ANSI | 21 |
| County ANSI | 025 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 201492 |
| Unique ZIP Name | |
| SSA State County Code | 18120 |
| Medicare CBSA Code | 99918 |
| Medicare CBSA Name | Rural Areas in KY |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 8 |
| County Mixed Case | Breathitt |
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