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Quickly Revew Homeowners Insurance in 42050

If you own a home in Hickman, KY you need a great homeowners policy to protect your home and possessions. Industry experts recommend shopping your homeowners insurance on a yearly basis to ensure that you are getting the best price and coverage levels.

GetHomeInsuranceQuotes.com can help you shop your coverage and find the best policy for your home in 42050 zip code. Our service is always free and we will gather quotes from up to 12 nationwide insurers so you can see all of your homeowners insurance options in one place. Our Kentucky licensed agents will also review your needs and make sure you have the appropriate coverage for your home.

If you want to see real savings on the cost of homeowners insurance start shopping GetHomeInsuranceQuotes.com right now. Get started by clicking the Get Multiple Quotes Now" button below, verify your 42050 and start comparing rates now.

42050 Homeowners Insurance Rates Are Considered: medium!

The average rate for a standard homeowners policy in 42050 is $861 according to industry data. We can help you achieve substantial savings by using our online quoting process to find the best policy for your specific home. We will also make sure you are fully covered. Insurance policies and coverage levels vary so it is key to fully understand your policy and what it covers as well as any coverage limitations.

We only deal with reputable, nationwide insurers so you can be confident that if you do need to make a claim it will be handled quickly and fairly. It’s time to start shopping for a new policy.

Get 42050 Home Insurance Rate Quotes Right Now!

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

42050 Home Insurance Average Premiums

Local 42050 homeowners insurance quotes comparison

$611 /yr.

Shows Zip Code: 42050 lowest rates with discounts applied on average.

For the 42050, 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)
$611 /yr.
Average Coverage:$861 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1161 /yr.

What is the average home insurance cost for a home in 42050?

  • • The average homeowners insurance premium paid annually for a home in 42050 is around $861 per year.

What does it cost on average per month for home insurance in 42050?

  • • Homeowners in 42050 pay a monthly average cost per month around $72.00.

What kind of discount could I get if I combine my home and auto insurance together in 42050?

  • • Autoowners in 42050 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 Hickman area, check out other zip codes nearby 42050.
Review average rates in another zip code:
42050 homeowners insurance rates

Home Replacement Cost Coverage in 42050

Average Building Cost Per Square Foot in 42050: $118

Location: Hickman, Kentucky (Fulton County)

Average Square Footage in 42050: 604 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 42050 before you start any project. Hickman 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 42050 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 42050 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 604 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 Hickman 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$118604$71,300
Additional Upgrades & Added Features$148604$89,125
Major Home Updates or Advancements$177604$106,950

It's important to understand that when you estimate your replacement cost of your home in the 42050 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 42050

Kentucky Farm Bureau Insurance Companies

Address: 2310 South 7th Street Hickman, KY 42050
Phone: (270)236-2019
Website: www.kyfb.com

Best Home & Auto Insurance Agencies in 42050

Housing Demographics for 42050

Population Review for 42050 Zip Code

For the city of Hickman, the population within 42050 has increased to over 2,687 residents in population size. The current population total is 3,229. We have broken down the population based on race below. In 42050, there are over 1706 in male population and 1523 females.

PopulationValues
Total Population3,229
White Population2257
Black Population785
Hispanic Population86
Asian Population2
Hawaiian Population6
Indian Population14
Other Population23
Male Population1706
Female Population1523
Population Estimate2687

Household Data for 42050

The average number of homes in 42050 is around 1,200, there are an average of 2.27 per household. The average house value according to local real estate values is around $71,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,200
Persons Per Household2.27
Average House Value$71,300
Income Per Household$40257
Median Age40.7
Median Age Male39.4
Median Age Female42.3
42050 DetailsValues
StateKY
State Full NameKentucky
City TypeP
City Alias Abbreviation
Area Code270/364
CityHickman
City Alias NameHICKMAN
CountyFulton
County FIPS075
State FIPS21
Time Zone6
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 Businesses38
Number Of Employees377
Business First Quarter Payroll4079
Business Annual Payroll20255
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 District01
Congressional LandArea12079.5
Delivery Residential1184
Delivery Business62
Delivery Total1359
Preferred Last Line KeyX15305
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyX15305
Land Area109.970000
Water Area3.196000
City Alias Code
City Mixed CaseHickman
City Alias Mixed CaseHickman
Box Count62
SFDU1047
MFDU0
State ANSI21
County ANSI075
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationC
Finance Number203708
Unique ZIP Name
SSA State County Code18361
Medicare CBSA Code99918
Medicare CBSA NameRural Areas in KY
Medicare CBSA TypeMicro
Market Rating Area ID1
County Mixed CaseFulton

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 […]