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42134 Homeowners Insurance Quotes & Coverage Options
For homeowners like you shopping online for home insurance quotes in the 42134 zip code it's important to know that our rates are very competitive for homeowners living in Franklin, KY. Many homeowners based out of your 42134 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Kentucky licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 42134 should appear in the zip code field ready to go. For Franklin, KY Homeowners Insurance Quotes nearby, we offer the best rates and service.
42134: Average Home Insurance Rates
For homeowners living in the great city of Franklin, the average homeowners policy is considered medium in comparison to other states. Kentucky premiums are estimated to be around $876 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.
42134 Home Insurance Average Premiums
$626 /yr.
Shows Zip Code: 42134 lowest rates with discounts applied on average.
For the 42134, 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) | $626 /yr. |
| Average Coverage: | $876 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1176 /yr. |
What is the average home insurance cost for a home in 42134?
- • The average homeowners insurance premium paid annually for a home in 42134 is around $876 per year.
What does it cost on average per month for home insurance in 42134?
- • Homeowners in 42134 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 42134?
- • Autoowners in 42134 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 Franklin area, check out other zip codes nearby 42134.
Review average rates in another zip code:
42134 homeowners insurance rates
Home Replacement Cost Coverage in 42134
Average Building Cost Per Square Foot in 42134: $118
Location: Franklin, Kentucky (Simpson County)Average Square Footage in 42134: 1,298 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 42134 before you start any project. Franklin 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 42134 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 42134 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,298 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 Franklin 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $118 | 1,298 | $153,200 |
| Additional Upgrades & Added Features | $148 | 1,298 | $191,500 |
| Major Home Updates or Advancements | $177 | 1,298 | $229,800 |
It's important to understand that when you estimate your replacement cost of your home in the 42134 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 42134
Best Home & Auto Insurance Agencies in 42134
Postins Jr- Clarence E
Address: 310 N Main St Franklin, KY 42134Phone:
Website:
Info:
Cook-Grogan Insurance Agency
Address: 417 N Main St Franklin, KY 42134Phone:
Website: http://www.cookgrogan.com
Info:
Kentucky Farm Bureau Insurance, Simpson
Address: 510 N Main St Franklin, KY 42134Phone:
Website: https://www.kyfb.com/simpson/insurance/
Info:
Housing Demographics for 42134
Population Review for 42134 Zip Code
For the city of Franklin, the population within 42134 has increased to over 20,420 residents in population size. The current population total is 18,881. We have broken down the population based on race below. In 42134, there are over 9261 in male population and 9620 females.
| Population | Values |
|---|---|
| Total Population | 18,881 |
| White Population | 15748 |
| Black Population | 1598 |
| Hispanic Population | 640 |
| Asian Population | 92 |
| Hawaiian Population | 9 |
| Indian Population | 75 |
| Other Population | 293 |
| Male Population | 9261 |
| Female Population | 9620 |
| Population Estimate | 20420 |
Household Data for 42134
The average number of homes in 42134 is around 7,366, there are an average of 2.49 per household. The average house value according to local real estate values is around $153,200. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 7,366 |
| Persons Per Household | 2.49 |
| Average House Value | $153,200 |
| Income Per Household | $52655 |
| Median Age | 39.6 |
| Median Age Male | 38.0 |
| Median Age Female | 41.1 |
| 42134 Details | Values |
|---|---|
| State | KY |
| State Full Name | Kentucky |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 270/364 |
| City | Franklin |
| City Alias Name | FRANKLIN |
| County | Simpson |
| County FIPS | 213 |
| State FIPS | 21 |
| Time Zone | 6 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | 150 |
| CBSA | 23190 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Franklin, KY |
| MSA_Name | |
| PMSA_Name | |
| Region | South |
| Division | East South Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 363 |
| Number Of Employees | 8157 |
| Business First Quarter Payroll | 81528 |
| Business Annual Payroll | 350621 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 0 |
| CBSA Division Population | 0 |
| Congressional District | 01 |
| Congressional LandArea | 12079.5 |
| Delivery Residential | 8201 |
| Delivery Business | 542 |
| Delivery Total | 8694 |
| Preferred Last Line Key | X15050 |
| Classification Code | |
| Multi-County | Y |
| CSA Name | Bowling Green-Glasgow-Franklin, KY |
| CBSA_DIV_Name | |
| City State Key | X15050 |
| Land Area | 212.674000 |
| Water Area | 2.100000 |
| City Alias Code | |
| City Mixed Case | Franklin |
| City Alias Mixed Case | Franklin |
| Box Count | 0 |
| SFDU | 6384 |
| MFDU | 0 |
| State ANSI | 21 |
| County ANSI | 213 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 202924 |
| Unique ZIP Name | |
| SSA State County Code | 18979 |
| Medicare CBSA Code | 99918 |
| Medicare CBSA Name | Rural Areas in KY |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 4 |
| County Mixed Case | Simpson |
Kentucky Homeowners Insurance News & Information
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