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Compare 42286 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Trenton just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 511 neighbors looking to save on their home insurance policy in the local 42286 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 42286. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Kentucky rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Trenton, KY home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Trenton, KY

42286 Home Insurance Average Premiums

Local 42286 homeowners insurance quotes comparison

$655 /yr.

Shows Zip Code: 42286 lowest rates with discounts applied on average.

For the 42286, 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)
$655 /yr.
Average Coverage:$905 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1205 /yr.

What is the average home insurance cost for a home in 42286?

  • • The average homeowners insurance premium paid annually for a home in 42286 is around $905 per year.

What does it cost on average per month for home insurance in 42286?

  • • Homeowners in 42286 pay a monthly average cost per month around $75.00.

What kind of discount could I get if I combine my home and auto insurance together in 42286?

  • • Autoowners in 42286 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 Trenton area, check out other zip codes nearby 42286.
Review average rates in another zip code:
42286 homeowners insurance rates

Home Replacement Cost Coverage in 42286

Average Building Cost Per Square Foot in 42286: $118

Location: Trenton, Kentucky (Todd County)

Average Square Footage in 42286: 1,341 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 42286 before you start any project. Trenton 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 42286 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 42286 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,341 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 Trenton 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$1181,341$158,200
Additional Upgrades & Added Features$1481,341$197,750
Major Home Updates or Advancements$1771,341$237,300

It's important to understand that when you estimate your replacement cost of your home in the 42286 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 42286

Best Home & Auto Insurance Agencies in 42286

Housing Demographics for 42286

Population Review for 42286 Zip Code

For the city of Trenton, the population within 42286 has increased to over 1,346 residents in population size. The current population total is 1,414. We have broken down the population based on race below. In 42286, there are over 678 in male population and 736 females.

PopulationValues
Total Population1,414
White Population1262
Black Population60
Hispanic Population68
Asian Population2
Hawaiian Population0
Indian Population2
Other Population30
Male Population678
Female Population736
Population Estimate1346

Household Data for 42286

The average number of homes in 42286 is around 511, there are an average of 2.77 per household. The average house value according to local real estate values is around $158,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode511
Persons Per Household2.77
Average House Value$158,200
Income Per Household$58170
Median Age35.4
Median Age Male33.3
Median Age Female37.0
42286 DetailsValues
StateKY
State Full NameKentucky
City TypeP
City Alias Abbreviation
Area Code270/364
CityTrenton
City Alias NameTRENTON
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 Businesses15
Number Of Employees80
Business First Quarter Payroll697
Business Annual Payroll3111
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 Residential486
Delivery Business10
Delivery Total654
Preferred Last Line KeyX16622
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyX16622
Land Area68.690000
Water Area0.465000
City Alias Code
City Mixed CaseTrenton
City Alias Mixed CaseTrenton
Box Count137
SFDU419
MFDU0
State ANSI21
County ANSI219
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number207788
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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