Get multiple home insurance quotes in 42120. Our licensed 42120, KY agents are ready to serve you.

Find the lowest Homeowners Insurance Rates in 42120

There are a number of ways to save money on your homeowners insurance rates. Discounts, bundling, upgrading your security system or replacing your roof with wind resistance materials are all great ways to lower your premium but the number one recommended way to save is to shop your coverage on a regular basis.

If you are shopping for coverage in 42120, do yourself a favor and get a rate quote from GetHomeInsuranceQuotes.com. We will provide you with up to 12 quotes for homeowners coverage in Adolphus, KY from a list of top tier nationwide insurers.

Our Kentucky licensed agents will review the quotes with you and provide advice on coverage types and coverage levels that will work best for you and your family.

It’s easy to get started. Just click the "Get Multiple Quotes Now" button below and your 42120 will appear in the zip code field and you are ready to go.

It’s Time to Compare Rate Quotes for 42120

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

42120 Ratings: medium!

Saving up to 40 percent on your homeowner insurance premium has never been easier. We will do all of the legwork for you and present you with the best policy options to help protect your home.

In addition to gathering the best quotes from 12 major insurance companies in Adolphus we will also share what average rates are in your area so we can compare savings and coverage options. Reviewing what home insurance cost will help you determine if your current insurance premium is on the high side or if you are already getting a bargain. For example, in 42120, homeowners are seeing rates around 845 on average per year.

Let us help you compare home insurance rates right now. Get started shopping for new policy in 42120!

42120 Home Insurance Average Premiums

Local 42120 homeowners insurance quotes comparison

$595 /yr.

Shows Zip Code: 42120 lowest rates with discounts applied on average.

For the 42120, 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)
$595 /yr.
Average Coverage:$845 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1145 /yr.

What is the average home insurance cost for a home in 42120?

  • • The average homeowners insurance premium paid annually for a home in 42120 is around $845 per year.

What does it cost on average per month for home insurance in 42120?

  • • Homeowners in 42120 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 42120?

  • • Autoowners in 42120 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 Adolphus area, check out other zip codes nearby 42120.
Review average rates in another zip code:
42120 homeowners insurance rates

Home Replacement Cost Coverage in 42120

Average Building Cost Per Square Foot in 42120: $118

Location: Adolphus, Kentucky (Allen County)

Average Square Footage in 42120: 1,252 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 42120 before you start any project. Adolphus 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 42120 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 42120 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,252 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 Adolphus 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$1181,252$147,700
Additional Upgrades & Added Features$1481,252$184,625
Major Home Updates or Advancements$1771,252$221,550

It's important to understand that when you estimate your replacement cost of your home in the 42120 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 42120

Best Home & Auto Insurance Agencies in 42120

Housing Demographics for 42120

Population Review for 42120 Zip Code

For the city of Adolphus, the population within 42120 has increased to over 2,966 residents in population size. The current population total is 2,523. We have broken down the population based on race below. In 42120, there are over 1269 in male population and 1254 females.

PopulationValues
Total Population2,523
White Population2344
Black Population6
Hispanic Population78
Asian Population5
Hawaiian Population0
Indian Population4
Other Population34
Male Population1269
Female Population1254
Population Estimate2966

Household Data for 42120

The average number of homes in 42120 is around 960, there are an average of 2.63 per household. The average house value according to local real estate values is around $147,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode960
Persons Per Household2.63
Average House Value$147,700
Income Per Household$57292
Median Age40.5
Median Age Male39.7
Median Age Female41.3
42120 DetailsValues
StateKY
State Full NameKentucky
City TypeP
City Alias Abbreviation
Area Code270/364
CityAdolphus
City Alias NameADOLPHUS
CountyAllen
County FIPS003
State FIPS21
Time Zone6
Day Light SavingY
MSA
PMSA
CSA150
CBSA14540
CBSA_DIV
CBSA_TypeMetro
CBSA_NameBowling Green, KY
MSA_Name
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses10
Number Of Employees39
Business First Quarter Payroll218
Business Annual Payroll1067
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population125953
CBSA Division Population0
Congressional District01|06
Congressional LandArea12079.5|4292.72
Delivery Residential1128
Delivery Business14
Delivery Total5974
Preferred Last Line KeyX14160
Classification Code
Multi-County
CSA NameBowling Green-Glasgow-Franklin, KY
CBSA_DIV_Name
City State KeyX14160
Land Area43.239000
Water Area0.165000
City Alias Code
City Mixed CaseAdolphus
City Alias Mixed CaseAdolphus
Box Count45
SFDU1128
MFDU0
State ANSI21
County ANSI003
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number200048
Unique ZIP Name
SSA State County Code18010
Medicare CBSA Code14540
Medicare CBSA NameBowling Green, KY
Medicare CBSA TypeMetro
Market Rating Area ID4
County Mixed CaseAllen

Kentucky Homeowners Insurance News & Information

  • Can $600 Million Help Lower Florida Homeowners Insurance Rates? Posted on Friday 14th February, 2025

    Family relax on the couch. Happy beautiful young parents are smiling, hugging and playing with them kids at home together Governor DeSantis recently asked the legislature for over $600 million to help lower homeowners insurance in his 2025-26 budget request. The budget proposal asks for $590 million to go towards the My Safe Florida Home […]

  • North Carolina Homeowners’ Insurance Premiums May See a 15% Increase Posted on Thursday 23rd January, 2025

    The base rate for North Carolina homeowners insurance will be headed up by an average of 15% by the middle of 2026. The rate increases are part of a settlement that was reached with the insurance industry by the North Carolina Insurance Department. The state Insurance Commissioner Mike Causey recently announced the rate increase agreement […]

  • 2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025

    While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future.  According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]