Searching for Homeowners Insurance in 42051

If you are a homeowners that lives in 42051 you may be searching for more affordable homeowners insurance in Hickory. 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 Hickory, 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.

Getting started is easy. Click the "Get Multiple Quotes Now" button, verify your zip code and start saving.

Get 42051 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 Hickory, KY home insurance quotes in your local city and review the most competitive coverages and premiums.

Check Out 42051 Home Insurance Costs: medium!

In Hickory, homeowners are paying roughly $871 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 42051 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 Hickory are saving up to 40 percent on their policy costs by using GetHomeInsuranceQuotes.com.

Start shopping for a 42051 policy right now!

Average Building Cost Per Square Foot in 42051: $118

Average Square Footage in 42051: 968 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 42051 before you start any project. Hickory 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 42051 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 42051 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 968 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 Hickory 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.

It's important to understand that when you estimate your replacement cost of your home in the 42051 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.

Household Data for 42051

The average number of homes in 42051 is around 1,155, there are an average of 2.50 per household. The average house value according to local real estate values is around $114,200. Please review the following demographics below for average income and media age.

• $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 […]