Get multiple home insurance quotes in 42045. Our licensed 42045, KY agents are ready to serve you.

42045 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 42045 zip code find a great new policy that offers the coverage they need at a price they can afford.

GetHomeInsuranceQuotes.com makes shopping for a new policy in Grand Rivers, KY quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 42045.

Shopping for insurance quotes on GetHomeInsuranceQuotes.com is always free and we will provide you with a free consultation to answer any questions you may have about coverages and rates.

If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 42045 and start shopping.

Quickly and Easily Compare Average Rates for 42045

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Grand Rivers, KY home insurance quotes in your local city and review the most competitive coverages and premiums.

Average Policy Rates in 42045

Homeowners in Grand Rivers are paying roughly $872 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

Save on 42045 Home Insurance Quotes right now!

42045 Home Insurance Average Premiums

Local 42045 homeowners insurance quotes comparison

$622 /yr.

Shows Zip Code: 42045 lowest rates with discounts applied on average.

For the 42045, 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)		$622 /yr.
Average Coverage:$872 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1172 /yr.

What is the average home insurance cost for a home in 42045?

  • • The average homeowners insurance premium paid annually for a home in 42045 is around $872 per year.

What does it cost on average per month for home insurance in 42045?

  • • Homeowners in 42045 pay a monthly average cost per month around $73.00.

What kind of discount could I get if I combine my home and auto insurance together in 42045?

  • • Autoowners in 42045 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 Grand Rivers area, check out other zip codes nearby 42045.
Review average rates in another zip code:
42045 homeowners insurance rates

Home Replacement Cost Coverage in 42045

Average Building Cost Per Square Foot in 42045: $118

Location: Grand Rivers, Kentucky (Livingston County)

Average Square Footage in 42045: 684 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 42045 before you start any project. Grand Rivers 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 42045 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 42045 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 684 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 Grand Rivers 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$118684$80,700
Additional Upgrades & Added Features$148684$100,875
Major Home Updates or Advancements$177684$121,050

It's important to understand that when you estimate your replacement cost of your home in the 42045 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 42045

Best Home & Auto Insurance Agencies in 42045

Housing Demographics for 42045

Population Review for 42045 Zip Code

For the city of Grand Rivers, the population within 42045 has increased to over 2,347 residents in population size. The current population total is 2,150. We have broken down the population based on race below. In 42045, there are over 1039 in male population and 1111 females.

PopulationValues
Total Population2,150
White Population2022
Black Population7
Hispanic Population44
Asian Population3
Hawaiian Population0
Indian Population9
Other Population18
Male Population1039
Female Population1111
Population Estimate2347

Household Data for 42045

The average number of homes in 42045 is around 961, there are an average of 2.24 per household. The average house value according to local real estate values is around $80,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode961
Persons Per Household2.24
Average House Value$80,700
Income Per Household$52885
Median Age50.0
Median Age Male50.0
Median Age Female50.0
42045 DetailsValues
StateKY
State Full NameKentucky
City TypeP
City Alias Abbreviation
Area Code270/364
CityGrand Rivers
City Alias NameGRAND RIVERS
CountyLivingston
County FIPS139
State FIPS21
Time Zone6
Day Light SavingY
MSA
PMSA
CSA424
CBSA37140
CBSA_DIV
CBSA_TypeMetro
CBSA_NamePaducah, KY-IL
MSA_Name
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses46
Number Of Employees825
Business First Quarter Payroll6406
Business Annual Payroll36917
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population98762
CBSA Division Population0
Congressional District01
Congressional LandArea12079.5
Delivery Residential1048
Delivery Business60
Delivery Total1268
Preferred Last Line KeyX15167
Classification Code
Multi-County
CSA NamePaducah-Mayfield, KY-IL
CBSA_DIV_Name
City State KeyX15167
Land Area40.820000
Water Area3.913000
City Alias Code
City Mixed CaseGrand Rivers
City Alias Mixed CaseGrand Rivers
Box Count122
SFDU975
MFDU0
State ANSI21
County ANSI139
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number203272
Unique ZIP Name
SSA State County Code18690
Medicare CBSA Code99918
Medicare CBSA NameRural Areas in KY
Medicare CBSA TypeMicro
Market Rating Area ID1
County Mixed CaseLivingston

Kentucky Homeowners Insurance News & Information

  • $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 […]

  • I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024

    According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]

  • How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024

    Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm.  Understanding the different coverages that are available to homeowners is key to making sure you […]