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42204, KY Homeowners Insurance Rates

With a population size of 704 and with 259 occupied homes in the 42204 area, our online shopping service is becoming very helpful for homeowners like you. The average home insurance premiums in Allensville, KY are around $823 per year for a standard HO-3 homeowners policy. Wouldn't you love to save up to 40% or more on your next home insurance policy? Our process easily compares the most competitive rates, while including all discounts and credits, plus reviewing all enhanced coverage options. You will find that GetHomeInsuranceQuotes.com is the best place online to shop for home insurance rates in Allensville, Kentucky. If you are looking for more affordable rates, let us help you shop and compare your next homeowners policy today. Just enter your zip code to start online comparing, or give us a call at 1-855-976-2656 so we can help you review rates today!

It's important to know that if your Kentucky home may be located in a risk area that is prone to flooding, hurricanes or earthquakes. You may need additional coverage that is not part of your current policy like an HO-3 or HO-2. We can help you review the best protection and coverage options for your home located in Allensville, KY.

For Kentucky home insurance information, including average Allensville home insurance rates, coverage options or the different homeowners insurance types, please select Allensville, KY Home Insurance Quotes Now!

42204 Home Insurance Average Premiums

Local 42204 homeowners insurance quotes comparison

$573 /yr.

Shows Zip Code: 42204 lowest rates with discounts applied on average.

For the 42204, 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)
$573 /yr.
Average Coverage:$823 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1123 /yr.

What is the average home insurance cost for a home in 42204?

  • • The average homeowners insurance premium paid annually for a home in 42204 is around $823 per year.

What does it cost on average per month for home insurance in 42204?

  • • Homeowners in 42204 pay a monthly average cost per month around $69.00.

What kind of discount could I get if I combine my home and auto insurance together in 42204?

  • • Autoowners in 42204 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 Allensville area, check out other zip codes nearby 42204.
Review average rates in another zip code:
42204 homeowners insurance rates

Home Replacement Cost Coverage in 42204

Average Building Cost Per Square Foot in 42204: $118

Location: Allensville, Kentucky (Todd County)

Average Square Footage in 42204: 1,567 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 42204 before you start any project. Allensville 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 42204 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 42204 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,567 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 Allensville 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$1181,567$184,900
Additional Upgrades & Added Features$1481,567$231,125
Major Home Updates or Advancements$1771,567$277,350

It's important to understand that when you estimate your replacement cost of your home in the 42204 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 42204

Best Home & Auto Insurance Agencies in 42204

Housing Demographics for 42204

Population Review for 42204 Zip Code

For the city of Allensville, the population within 42204 has increased to over 614 residents in population size. The current population total is 704. We have broken down the population based on race below. In 42204, there are over 355 in male population and 349 females.

PopulationValues
Total Population704
White Population564
Black Population78
Hispanic Population38
Asian Population3
Hawaiian Population2
Indian Population2
Other Population23
Male Population355
Female Population349
Population Estimate614

Household Data for 42204

The average number of homes in 42204 is around 259, there are an average of 2.72 per household. The average house value according to local real estate values is around $184,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode259
Persons Per Household2.72
Average House Value$184,900
Income Per Household$53782
Median Age36.5
Median Age Male35.6
Median Age Female37.1
42204 DetailsValues
StateKY
State Full NameKentucky
City TypeP
City Alias Abbreviation
Area Code270/364
CityAllensville
City Alias NameALLENSVILLE
CountyTodd
County FIPS219
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 Businesses7
Number Of Employees57
Business First Quarter Payroll625
Business Annual Payroll2600
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 Residential226
Delivery Business1
Delivery Total359
Preferred Last Line KeyX14176
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyX14176
Land Area42.659000
Water Area0.568000
City Alias Code
City Mixed CaseAllensville
City Alias Mixed CaseAllensville
Box Count52
SFDU226
MFDU0
State ANSI21
County ANSI219
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number200100
Unique ZIP Name
SSA State County Code18982
Medicare CBSA Code99918
Medicare CBSA NameRural Areas in KY
Medicare CBSA TypeMicro
Market Rating Area ID2
County Mixed CaseTodd

Kentucky Homeowners Insurance News & Information

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