Get multiple home insurance quotes in 42220. Our licensed 42220, KY agents are ready to serve you.

Searching for Homeowners Insurance in 42220

If you are a homeowners that lives in 42220 you may be searching for more affordable homeowners insurance in Elkton. 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 Elkton, 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 42220 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 Elkton, KY home insurance quotes in your local city and review the most competitive coverages and premiums.

Check Out 42220 Home Insurance Costs: medium!

In Elkton, homeowners are paying roughly $887 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 42220 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 Elkton are saving up to 40 percent on their policy costs by using GetHomeInsuranceQuotes.com.

Start shopping for a 42220 policy right now!

42220 Home Insurance Average Premiums

Local 42220 homeowners insurance quotes comparison

$637 /yr.

Shows Zip Code: 42220 lowest rates with discounts applied on average.

For the 42220, 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)
$637 /yr.
Average Coverage:$887 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1187 /yr.

What is the average home insurance cost for a home in 42220?

  • • The average homeowners insurance premium paid annually for a home in 42220 is around $887 per year.

What does it cost on average per month for home insurance in 42220?

  • • Homeowners in 42220 pay a monthly average cost per month around $74.00.

What kind of discount could I get if I combine my home and auto insurance together in 42220?

  • • Autoowners in 42220 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 Elkton area, check out other zip codes nearby 42220.
Review average rates in another zip code:
42220 homeowners insurance rates

Home Replacement Cost Coverage in 42220

Average Building Cost Per Square Foot in 42220: $118

Location: Elkton, Kentucky (Todd County)

Average Square Footage in 42220: 986 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 42220 before you start any project. Elkton 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 42220 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 42220 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 986 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 Elkton 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$118986$116,300
Additional Upgrades & Added Features$148986$145,375
Major Home Updates or Advancements$177986$174,450

It's important to understand that when you estimate your replacement cost of your home in the 42220 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 42220

Knuckles B R Insurance Agency Inc

Address: 55 Public Square Elkton, KY 42220
Phone: (270)265-9811
Website: www.knukleinsurance.com

Best Home & Auto Insurance Agencies in 42220

Knuckles B R Insurance Agency Inc

Address: 55 Public Square Elkton, KY 42220
Phone:
Website: http://www.knukleinsurance.com
Info:

Marklin Insurance Agency

Address: 203 E Washington St Elkton, KY 42220
Phone:
Website: http://www.grangeinsurance.com
Info:

Mallory- Jimmy D - State Farm Insurance Agent

Address: 65 Public Square Elkton, KY 42220
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Housing Demographics for 42220

Population Review for 42220 Zip Code

For the city of Elkton, the population within 42220 has increased to over 6,708 residents in population size. The current population total is 6,697. We have broken down the population based on race below. In 42220, there are over 3305 in male population and 3392 females.

PopulationValues
Total Population6,697
White Population5841
Black Population359
Hispanic Population296
Asian Population4
Hawaiian Population3
Indian Population20
Other Population187
Male Population3305
Female Population3392
Population Estimate6708

Household Data for 42220

The average number of homes in 42220 is around 2,464, there are an average of 2.66 per household. The average house value according to local real estate values is around $116,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,464
Persons Per Household2.66
Average House Value$116,300
Income Per Household$55382
Median Age37.0
Median Age Male35.8
Median Age Female38.7
42220 DetailsValues
StateKY
State Full NameKentucky
City TypeP
City Alias Abbreviation
Area Code270/364
CityElkton
City Alias NameELKTON
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 Businesses119
Number Of Employees931
Business First Quarter Payroll7752
Business Annual Payroll34667
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|02
Congressional LandArea12079.5|7177.44
Delivery Residential2522
Delivery Business62
Delivery Total3085
Preferred Last Line KeyX14913
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyX14913
Land Area167.931000
Water Area1.038000
City Alias Code
City Mixed CaseElkton
City Alias Mixed CaseElkton
Box Count372
SFDU2396
MFDU0
State ANSI21
County ANSI219
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number202460
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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