Compare quotes for your home in 42431! Compare the best 12 carriers in minutes.
Home Insurance Rates in 42431
For homeowners shopping online in 42431, our insurance rates are very competitive for homeowners living in Madisonville, KY. Many homeowners based out of the great city of Madisonville have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Kentucky licensed agents can provide a free consultation service to you that allows you to ask questions about which rates and coverage options are best suited for you and your family. To get free home insurance quotes in 42431, simply click the "Get Multiple Quotes Now" button. Your 42431 should appear in the zip code field ready to go. We only need some basic home information to start running multiple quotes for you. Madisonville, KY Home Insurance Rate Quotes are available for you, we easily review and compare multiple coverage and rate options.
42431 Home Insurance Rating is: Medium!
If you live in 42431, you can easily save up to 40% off the average home insurance premium of $900 a year by letting us help you compare the best rate and coverage option for your home. We can compare up to 12 major top rated home insurance companies all at once. We also will do a professional analysis to determine which coverage is best suited to cover the risk that you need. Home insurance in Madisonville can come in a variety of different packages, it's important to understand which homeowners policy is best. Let us help you compare home insurance rates in 42431 today!
42431 Home Insurance Average Premiums
$650 /yr.
Shows Zip Code: 42431 lowest rates with discounts applied on average.
For the 42431, 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) | $650 /yr. |
| Average Coverage: | $900 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1200 /yr. |
What is the average home insurance cost for a home in 42431?
- • The average homeowners insurance premium paid annually for a home in 42431 is around $900 per year.
What does it cost on average per month for home insurance in 42431?
- • Homeowners in 42431 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 42431?
- • Autoowners in 42431 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 Madisonville area, check out other zip codes nearby 42431.
Review average rates in another zip code:
42431 homeowners insurance rates
Home Replacement Cost Coverage in 42431
Average Building Cost Per Square Foot in 42431: $118
Location: Madisonville, Kentucky (Hopkins County)Average Square Footage in 42431: 1,091 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 42431 before you start any project. Madisonville 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 42431 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 42431 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,091 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 Madisonville 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $118 | 1,091 | $128,700 |
| Additional Upgrades & Added Features | $148 | 1,091 | $160,875 |
| Major Home Updates or Advancements | $177 | 1,091 | $193,050 |
It's important to understand that when you estimate your replacement cost of your home in the 42431 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 42431
Walker Mike Insurance
Address: 1630 South Main Street Madisonville, KY 42431Phone: (270)821-0222
Website:
Riddle J Craig CO Inc
Address: 245 South Main Street Madisonville, KY 42431Phone: (270)821-3122
Website:
Rudd Insurance Inc
Address: 411 North Main Street Madisonville, KY 42431Phone: (270)821-3366
Website: www.ruddinsurance.com
Cole & Durham Insurance Inc
Address: 145 East Center Street Suite 1A Madisonville, KY 42431Phone: (270)821-5527
Website:
Jackson Insurance
Address: 171 Oates Street Madisonville, KY 42431Phone: (270)821-3202
Website:
Best Home & Auto Insurance Agencies in 42431
Riddle J Craig CO Inc
Address: 245 S Main St Madisonville, KY 42431Phone:
Website:
Info:
Barry Merrill Insurance
Address: 8 Court St Madisonville, KY 42431Phone:
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Zieba- John L
Address: 1150 Thornberry Dr Madisonville, KY 42431Phone:
Website:
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Jackson Insurance
Address: 171 Oates St Madisonville, KY 42431Phone:
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Cheek Frank A
Address: 643 S Main St Madisonville, KY 42431Phone:
Website:
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Housing Demographics for 42431
Population Review for 42431 Zip Code
For the city of Madisonville, the population within 42431 has increased to over 27,188 residents in population size. The current population total is 26,566. We have broken down the population based on race below. In 42431, there are over 12750 in male population and 13816 females.
| Population | Values |
|---|---|
| Total Population | 26,566 |
| White Population | 21854 |
| Black Population | 2510 |
| Hispanic Population | 819 |
| Asian Population | 200 |
| Hawaiian Population | 25 |
| Indian Population | 63 |
| Other Population | 396 |
| Male Population | 12750 |
| Female Population | 13816 |
| Population Estimate | 27188 |
Household Data for 42431
The average number of homes in 42431 is around 11,024, there are an average of 2.34 per household. The average house value according to local real estate values is around $128,700. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 11,024 |
| Persons Per Household | 2.34 |
| Average House Value | $128,700 |
| Income Per Household | $48388 |
| Median Age | 41.2 |
| Median Age Male | 39.7 |
| Median Age Female | 42.5 |
| 42431 Details | Values |
|---|---|
| State | KY |
| State Full Name | Kentucky |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 270/364 |
| City | Madisonville |
| City Alias Name | MADISONVILLE |
| County | Hopkins |
| County FIPS | 107 |
| State FIPS | 21 |
| Time Zone | 6 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | 31580 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Madisonville, KY |
| MSA_Name | |
| PMSA_Name | |
| Region | South |
| Division | East South Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 709 |
| Number Of Employees | 11097 |
| Business First Quarter Payroll | 121614 |
| Business Annual Payroll | 524019 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 46920 |
| CBSA Division Population | 0 |
| Congressional District | 01 |
| Congressional LandArea | 12079.5 |
| Delivery Residential | 11619 |
| Delivery Business | 1084 |
| Delivery Total | 14412 |
| Preferred Last Line Key | X15668 |
| Classification Code | |
| Multi-County | |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | X15668 |
| Land Area | 166.667000 |
| Water Area | 6.352000 |
| City Alias Code | |
| City Mixed Case | Madisonville |
| City Alias Mixed Case | Madisonville |
| Box Count | 230 |
| SFDU | 10171 |
| MFDU | 304 |
| State ANSI | 21 |
| County ANSI | 107 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 204952 |
| Unique ZIP Name | |
| SSA State County Code | 18530 |
| Medicare CBSA Code | 99918 |
| Medicare CBSA Name | Rural Areas in KY |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 2 |
| County Mixed Case | Hopkins |
Kentucky Homeowners Insurance News & Information
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