Get multiple home insurance quotes in 41836. Our licensed 41836, KY agents are ready to serve you.

41836 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 41836? There are over 371 occupied homes in the 41836 area. With a population size of 836, it's not uncommon for residence of Mallie, 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 $890 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 41836 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: Mallie, KY Home Insurance Rate Quotes

41836 Home Insurance Average Premiums

Local 41836 homeowners insurance quotes comparison

$640 /yr.

Shows Zip Code: 41836 lowest rates with discounts applied on average.

For the 41836, 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)		$640 /yr.
Average Coverage:$890 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1190 /yr.

What is the average home insurance cost for a home in 41836?

  • • The average homeowners insurance premium paid annually for a home in 41836 is around $890 per year.

What does it cost on average per month for home insurance in 41836?

  • • Homeowners in 41836 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 41836?

  • • Autoowners in 41836 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 Mallie area, check out other zip codes nearby 41836.
Review average rates in another zip code:
41836 homeowners insurance rates

Home Replacement Cost Coverage in 41836

Average Building Cost Per Square Foot in 41836: $118

Location: Mallie, Kentucky (Knott County)

Average Square Footage in 41836: 339 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 41836 before you start any project. Mallie 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 41836 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 41836 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 339 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 Mallie 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$118339$40,000
Additional Upgrades & Added Features$148339$50,000
Major Home Updates or Advancements$177339$60,000

It's important to understand that when you estimate your replacement cost of your home in the 41836 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 41836

Best Home & Auto Insurance Agencies in 41836

Housing Demographics for 41836

Population Review for 41836 Zip Code

For the city of Mallie, the population within 41836 has increased to over 659 residents in population size. The current population total is 836. We have broken down the population based on race below. In 41836, there are over 365 in male population and 471 females.

PopulationValues
Total Population836
White Population819
Black Population3
Hispanic Population6
Asian Population3
Hawaiian Population0
Indian Population0
Other Population0
Male Population365
Female Population471
Population Estimate659

Household Data for 41836

The average number of homes in 41836 is around 371, there are an average of 2.25 per household. The average house value according to local real estate values is around $40,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode371
Persons Per Household2.25
Average House Value$40,000
Income Per Household$50438
Median Age47.2
Median Age Male43.5
Median Age Female50.8
41836 DetailsValues
StateKY
State Full NameKentucky
City TypeP
City Alias Abbreviation
Area Code606
CityMallie
City Alias NameMALLIE
CountyKnott
County FIPS119
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 Employees23
Business First Quarter Payroll195
Business Annual Payroll1036
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 Residential293
Delivery Business8
Delivery Total378
Preferred Last Line KeyX15677
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyX15677
Land Area16.563000
Water Area0.035000
City Alias Code
City Mixed CaseMallie
City Alias Mixed CaseMallie
Box Count77
SFDU263
MFDU0
State ANSI21
County ANSI119
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number204980
Unique ZIP Name
SSA State County Code18590
Medicare CBSA Code99918
Medicare CBSA NameRural Areas in KY
Medicare CBSA TypeMicro
Market Rating Area ID8
County Mixed CaseKnott

Kentucky Homeowners Insurance News & Information

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    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 […]