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41616 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 41616 zip code it's important to know that our rates are very competitive for homeowners living in David, KY. Many homeowners based out of your 41616 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 41616 should appear in the zip code field ready to go. For David, KY Homeowners Insurance Quotes nearby, we offer the best rates and service.

41616: Average Home Insurance Rates

For homeowners living in the great city of David, the average homeowners policy is considered medium in comparison to other states. Kentucky premiums are estimated to be around $839 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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41616 Home Insurance Average Premiums

Local 41616 homeowners insurance quotes comparison

$589 /yr.

Shows Zip Code: 41616 lowest rates with discounts applied on average.

For the 41616, 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 41616?

  • • The average homeowners insurance premium paid annually for a home in 41616 is around $839 per year.

What does it cost on average per month for home insurance in 41616?

  • • Homeowners in 41616 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 41616?

  • • Autoowners in 41616 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 David area, check out other zip codes nearby 41616.
Review average rates in another zip code:
41616 homeowners insurance rates

Home Replacement Cost Coverage in 41616

Average Building Cost Per Square Foot in 41616: $118

Location: David, Kentucky (Floyd County)

Average Square Footage in 41616: 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 41616 before you start any project. David 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 41616 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 41616 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 David 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 41616 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 41616

Best Home & Auto Insurance Agencies in 41616

Housing Demographics for 41616

Population Review for 41616 Zip Code

For the city of David, the population within 41616 has increased to over 551 residents in population size. The current population total is 565. We have broken down the population based on race below. In 41616, there are over 265 in male population and 300 females.

PopulationValues
Total Population565
White Population552
Black Population0
Hispanic Population1
Asian Population0
Hawaiian Population1
Indian Population0
Other Population0
Male Population265
Female Population300
Population Estimate551

Household Data for 41616

The average number of homes in 41616 is around 232, there are an average of 2.44 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 Zipcode232
Persons Per Household2.44
Average House Value$165,000
Income Per Household$43696
Median Age43.5
Median Age Male45.2
Median Age Female42.8
41616 DetailsValues
StateKY
State Full NameKentucky
City TypeP
City Alias Abbreviation
Area Code606
CityDavid
City Alias NameDAVID
CountyFloyd
County FIPS071
State FIPS21
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA38210
CBSA_DIV
CBSA_TypeMicro
CBSA_NamePikeville, KY
MSA_Name
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses3
Number Of Employees24
Business First Quarter Payroll160
Business Annual Payroll459
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 Residential226
Delivery Business0
Delivery Total255
Preferred Last Line KeyX14761
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyX14761
Land Area11.665000
Water Area0.007000
City Alias Code
City Mixed CaseDavid
City Alias Mixed CaseDavid
Box Count25
SFDU219
MFDU0
State ANSI21
County ANSI071
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number202020
Unique ZIP Name
SSA State County Code18350
Medicare CBSA Code99918
Medicare CBSA NameRural Areas in KY
Medicare CBSA TypeMicro
Market Rating Area ID8
County Mixed CaseFloyd

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