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42323 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 42323 zip code find a great new policy that offers the coverage they need at a price they can afford.

GetHomeInsuranceQuotes.com makes shopping for a new policy in Beechmont, KY quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 42323.

Shopping for insurance quotes on GetHomeInsuranceQuotes.com is always free and we will provide you with a free consultation to answer any questions you may have about coverages and rates.

If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 42323 and start shopping.

Quickly and Easily Compare Average Rates for 42323

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Beechmont, KY home insurance quotes in your local city and review the most competitive coverages and premiums.

Average Policy Rates in 42323

Homeowners in Beechmont are paying roughly $839 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

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42323 Home Insurance Average Premiums

Local 42323 homeowners insurance quotes comparison

$589 /yr.

Shows Zip Code: 42323 lowest rates with discounts applied on average.

For the 42323, 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)		$589 /yr.
Average Coverage:$839 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1139 /yr.

What is the average home insurance cost for a home in 42323?

  • • The average homeowners insurance premium paid annually for a home in 42323 is around $839 per year.

What does it cost on average per month for home insurance in 42323?

  • • Homeowners in 42323 pay a monthly average cost per month around $70.00.

What kind of discount could I get if I combine my home and auto insurance together in 42323?

  • • Autoowners in 42323 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 Beechmont area, check out other zip codes nearby 42323.
Review average rates in another zip code:
42323 homeowners insurance rates

Home Replacement Cost Coverage in 42323

Average Building Cost Per Square Foot in 42323: $118

Location: Beechmont, Kentucky (Muhlenberg County)

Average Square Footage in 42323: 1,398 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 42323 before you start any project. Beechmont 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 42323 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 42323 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,398 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 Beechmont 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$1181,398$165,000
Additional Upgrades & Added Features$1481,398$206,250
Major Home Updates or Advancements$1771,398$247,500

It's important to understand that when you estimate your replacement cost of your home in the 42323 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 42323

Best Home & Auto Insurance Agencies in 42323

Housing Demographics for 42323

Population Review for 42323 Zip Code

For the city of Beechmont, the population within 42323 has increased to over 783 residents in population size. The current population total is 866. We have broken down the population based on race below. In 42323, there are over 452 in male population and 414 females.

PopulationValues
Total Population866
White Population814
Black Population12
Hispanic Population21
Asian Population0
Hawaiian Population0
Indian Population1
Other Population3
Male Population452
Female Population414
Population Estimate783

Household Data for 42323

The average number of homes in 42323 is around 319, there are an average of 2.71 per household. The average house value according to local real estate values is around $165,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode319
Persons Per Household2.71
Average House Value$165,000
Income Per Household$65875
Median Age36.4
Median Age Male36.6
Median Age Female36.3
42323 DetailsValues
StateKY
State Full NameKentucky
City TypeP
City Alias Abbreviation
Area Code270/364
CityBeechmont
City Alias NameBEECHMONT
CountyMuhlenberg
County FIPS177
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 Businesses18
Number Of Employees140
Business First Quarter Payroll1013
Business Annual Payroll4675
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 District02
Congressional LandArea7177.44
Delivery Residential289
Delivery Business6
Delivery Total417
Preferred Last Line KeyX14294
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyX14294
Land Area1.474000
Water Area0.004000
City Alias Code
City Mixed CaseBeechmont
City Alias Mixed CaseBeechmont
Box Count109
SFDU289
MFDU0
State ANSI21
County ANSI177
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number200512
Unique ZIP Name
SSA State County Code18880
Medicare CBSA Code99918
Medicare CBSA NameRural Areas in KY
Medicare CBSA TypeMicro
Market Rating Area ID2
County Mixed CaseMuhlenberg

Kentucky Homeowners Insurance News & Information

  • Can $600 Million Help Lower Florida Homeowners Insurance Rates? Posted on Friday 14th February, 2025

    Family relax on the couch. Happy beautiful young parents are smiling, hugging and playing with them kids at home together Governor DeSantis recently asked the legislature for over $600 million to help lower homeowners insurance in his 2025-26 budget request. The budget proposal asks for $590 million to go towards the My Safe Florida Home […]

  • North Carolina Homeowners’ Insurance Premiums May See a 15% Increase Posted on Thursday 23rd January, 2025

    The base rate for North Carolina homeowners insurance will be headed up by an average of 15% by the middle of 2026. The rate increases are part of a settlement that was reached with the insurance industry by the North Carolina Insurance Department. The state Insurance Commissioner Mike Causey recently announced the rate increase agreement […]

  • 2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025

    While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future.  According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]