Get multiple home insurance quotes in 42452. Our licensed 42452, KY agents are ready to serve you.

42452 Home Insurance Rates & Premiums

Did you know there are over 2,354 people living within the 42452 zip code area? There are over 890 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 42452.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Kentucky are on the rise. The estimated average premium is around $856 a year for a standard homeowners insurance policy in Robards. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Robards, KY Homeowners Insurance Quotes Online

42452 Home Insurance Average Premiums

Local 42452 homeowners insurance quotes comparison

$606 /yr.

Shows Zip Code: 42452 lowest rates with discounts applied on average.

For the 42452, 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)		$606 /yr.
Average Coverage:$856 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1156 /yr.

What is the average home insurance cost for a home in 42452?

  • • The average homeowners insurance premium paid annually for a home in 42452 is around $856 per year.

What does it cost on average per month for home insurance in 42452?

  • • Homeowners in 42452 pay a monthly average cost per month around $71.00.

What kind of discount could I get if I combine my home and auto insurance together in 42452?

  • • Autoowners in 42452 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 Robards area, check out other zip codes nearby 42452.
Review average rates in another zip code:
42452 homeowners insurance rates

Home Replacement Cost Coverage in 42452

Average Building Cost Per Square Foot in 42452: $118

Location: Robards, Kentucky (Henderson County)

Average Square Footage in 42452: 1,268 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 42452 before you start any project. Robards 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 42452 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 42452 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,268 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 Robards 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$1181,268$149,600
Additional Upgrades & Added Features$1481,268$187,000
Major Home Updates or Advancements$1771,268$224,400

It's important to understand that when you estimate your replacement cost of your home in the 42452 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 42452

Best Home & Auto Insurance Agencies in 42452

Housing Demographics for 42452

Population Review for 42452 Zip Code

For the city of Robards, the population within 42452 has increased to over 2,228 residents in population size. The current population total is 2,354. We have broken down the population based on race below. In 42452, there are over 1185 in male population and 1169 females.

PopulationValues
Total Population2,354
White Population2209
Black Population28
Hispanic Population52
Asian Population7
Hawaiian Population0
Indian Population6
Other Population35
Male Population1185
Female Population1169
Population Estimate2228

Household Data for 42452

The average number of homes in 42452 is around 890, there are an average of 2.64 per household. The average house value according to local real estate values is around $149,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode890
Persons Per Household2.64
Average House Value$149,600
Income Per Household$66250
Median Age42.9
Median Age Male42.0
Median Age Female45.0
42452 DetailsValues
StateKY
State Full NameKentucky
City TypeP
City Alias Abbreviation
Area Code270/364
CityRobards
City Alias NameROBARDS
CountyHenderson
County FIPS101
State FIPS21
Time Zone6
Day Light SavingY
MSA2440
PMSA
CSA241
CBSA25775
CBSA_DIV
CBSA_TypeMicro
CBSA_NameHenderson, KY
MSA_NameEvansville-Henderson, IN-KY MSA
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses27
Number Of Employees2617
Business First Quarter Payroll33911
Business Annual Payroll160001
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 Residential844
Delivery Business29
Delivery Total926
Preferred Last Line KeyX16209
Classification Code
Multi-CountyY
CSA NameEvansville-Henderson, IN-KY
CBSA_DIV_Name
City State KeyX16209
Land Area60.099000
Water Area0.788000
City Alias Code
City Mixed CaseRobards
City Alias Mixed CaseRobards
Box Count46
SFDU844
MFDU0
State ANSI21
County ANSI101
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number206576
Unique ZIP Name
SSA State County Code18500
Medicare CBSA Code21780
Medicare CBSA NameEvansville, IN-KY
Medicare CBSA TypeMicro
Market Rating Area ID2
County Mixed CaseHenderson

Kentucky Homeowners Insurance News & Information

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]