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Homeowners Insurance in 42234

Getting the most affordable home insurance rates in 42234 just got easier for Guthrie, KY home insurance shoppers who want to shop online at GetHomeInsuranceQuotes.com. We provide up to 12 rates and coverage options available to you from the leading home insurance companies that have the most competitive premiums available in the great city of Guthrie. Because our online quoting application is free, we are happy to server thousands of homeowners like you that want a quick way to review and compare affordable rates. Shop online with us by entering your zip code now. Or you can speak with an agent now at 1-855-976-2656 For Guthrie, KY Home Insurance Quotes, Click to easily review rates!

Average Home Insurance Rates in 42234

When discussing Kentucky homeowners insurance rates, Guthrie residents are finding new ways to save time and money by discovering lower rates when they shop online. Kentucky may not be the cheapest state in the country to purchase homeowners insurance, but it does rank lower than average at a nationwide rank of 28. Residents that live within the 42234 zipcode are currently paying $908 for home insurance coverage on average, where the majority of the United States home insurance premiums are around $1,249. These average home insurance rates reflect the cost of a standard home insurance policy which includes the coverage of your home, contents, loss of use, medical payments and homeowner liability coverage. It is very important to understand that a standard homeowners insurance policy in Guthrie does not include flood insurance coverage. We will need to write a separate policy and our agents are available to help you review and compare what's the best fit for your home and family.

42234 Home Insurance Average Premiums

Local 42234 homeowners insurance quotes comparison

$658 /yr.

Shows Zip Code: 42234 lowest rates with discounts applied on average.

For the 42234, 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)
$658 /yr.
Average Coverage:$908 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1208 /yr.

What is the average home insurance cost for a home in 42234?

  • • The average homeowners insurance premium paid annually for a home in 42234 is around $908 per year.

What does it cost on average per month for home insurance in 42234?

  • • Homeowners in 42234 pay a monthly average cost per month around $76.00.

What kind of discount could I get if I combine my home and auto insurance together in 42234?

  • • Autoowners in 42234 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 Guthrie area, check out other zip codes nearby 42234.
Review average rates in another zip code:
42234 homeowners insurance rates

Home Replacement Cost Coverage in 42234

Average Building Cost Per Square Foot in 42234: $118

Location: Guthrie, Kentucky (Todd County)

Average Square Footage in 42234: 1,008 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 42234 before you start any project. Guthrie 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 42234 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 42234 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,008 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 Guthrie 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$1181,008$119,000
Additional Upgrades & Added Features$1481,008$148,750
Major Home Updates or Advancements$1771,008$178,500

It's important to understand that when you estimate your replacement cost of your home in the 42234 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 42234

Best Home & Auto Insurance Agencies in 42234

Housing Demographics for 42234

Population Review for 42234 Zip Code

For the city of Guthrie, the population within 42234 has increased to over 1,891 residents in population size. The current population total is 2,312. We have broken down the population based on race below. In 42234, there are over 1144 in male population and 1168 females.

PopulationValues
Total Population2,312
White Population1604
Black Population395
Hispanic Population172
Asian Population11
Hawaiian Population0
Indian Population14
Other Population108
Male Population1144
Female Population1168
Population Estimate1891

Household Data for 42234

The average number of homes in 42234 is around 848, there are an average of 2.73 per household. The average house value according to local real estate values is around $119,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode848
Persons Per Household2.73
Average House Value$119,000
Income Per Household$39896
Median Age37.5
Median Age Male36.8
Median Age Female38.5
42234 DetailsValues
StateKY
State Full NameKentucky
City TypeP
City Alias Abbreviation
Area Code270/364
CityGuthrie
City Alias NameGUTHRIE
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 Businesses46
Number Of Employees394
Business First Quarter Payroll3284
Business Annual Payroll14153
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|07
Congressional LandArea12079.5|9160.44
Delivery Residential693
Delivery Business46
Delivery Total1042
Preferred Last Line KeyX15212
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyX15212
Land Area49.362000
Water Area0.517000
City Alias Code
City Mixed CaseGuthrie
City Alias Mixed CaseGuthrie
Box Count269
SFDU544
MFDU0
State ANSI21
County ANSI219
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number203424
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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