42458, KY Home Insurance

In the zip code of 42458, the population size is around 872, which consists of 330 occupied homes in your area. We often hear homeowners ask us what the average home insurance premiums are for residence living in Spottsville, KY. A few years ago, a study was done and found that the average home insurance rates for Kentucky are around $907 per year for a standard homeowners policy. At GetHomeInsuranceQuotes.com, we help homeowners find cheaper rates and better coverage for an existing or new home purchase opportunity. We have partnered with 12 major home insurance companies that have the most competitive rates for homes in the 42458 zip code location. Our savings model helps you not only save up to 40% or more, but also includes enhanced coverage options to help protect your home and family while livings in Spottsville. If you enter your zip code for the home you would like to shop and compare rates for today, we can help you review the premiums and coverage online or over the phone. Give us a call now at 1-855-976-2656 so we can help you compare rates today!

If you would like to review more information on rates within your area, please click Spottsville, KY Homeowners Insurance Online Rates Today!

Average Building Cost Per Square Foot in 42458: $118

Average Square Footage in 42458: 1,209 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 42458 before you start any project. Spottsville 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 42458 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 42458 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,209 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 Spottsville 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.

It's important to understand that when you estimate your replacement cost of your home in the 42458 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.

Household Data for 42458

The average number of homes in 42458 is around 330, there are an average of 2.64 per household. The average house value according to local real estate values is around $142,700. Please review the following demographics below for average income and media age.

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