Get multiple home insurance quotes in 42629. Our licensed 42629, KY agents are ready to serve you.

42629 Home Insurance Rates

For homeowners living in 42629, the population estimates are increasing to well over 4,994 with 2,146 occupied homes within the zip code of 42629. Homeowners like you are dicovering up to 40% or more in savings when they shop their new home insurance policy online. At GetHomeInsuranceQuotes.com, we provide homeowners a free shopping service that allows you to easily compare up to 12 competitive quotes for free. Home insurance premiums in Jamestown have increased and the average home insurance premium is around $905 per year in 42629. With our online quoting services and hassle free consultation, we can help you apply all the available discounts you need, plus review the best coverage and carrier option for you. Enter your 42629 zip code today so we can help you find affordable Jamestown, KY home insurance premiums.

Compare Multiple Homeowners Insurance Rates in 42629

Please select one of the three options below based on your 42629 zip code to learn more about Kentucky homeowners insurance, plus review average rates and information per state, county or city.

  1. Kentucky Homeowners Insurance Quotes
  2. Russell County, KY Home Insurance
  3. Jamestown, KY Home Insurance Quotes

42629 Average Home Insurance Rating Cost is: Medium!

Getting cheaper homeowners insurance in the 42629 zip code just got easier with GetHomeInsuranceQuotes.com of Jamestown, KY. A homeowners policy consists of a combined property and casualty coverage for your home. To insure your home for a variety of risks like fire, theft, windstorm damage or liability accidents, it's important to get the right home insurance coverage. A standard HO-3 homeowners policy will help you get the basic coverage you need. Their are multiple home insurance types and we can help you get the savings you are looking for you in your insurance cost, plus the enhanced coverage you need so you have the protection when you need it most. Shop your home in 42629 today and let us help you review the best home insurance quotes available for homeowners living in Jamestown.

Get 42629 Homeowners Insurance Rates Now!

42629 Home Insurance Average Premiums

Local 42629 homeowners insurance quotes comparison

$655 /yr.

Shows Zip Code: 42629 lowest rates with discounts applied on average.

For the 42629, 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 42629?

  • • The average homeowners insurance premium paid annually for a home in 42629 is around $905 per year.

What does it cost on average per month for home insurance in 42629?

  • • Homeowners in 42629 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 42629?

  • • Autoowners in 42629 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 Jamestown area, check out other zip codes nearby 42629.
Review average rates in another zip code:
42629 homeowners insurance rates

Home Replacement Cost Coverage in 42629

Average Building Cost Per Square Foot in 42629: $118

Location: Jamestown, Kentucky (Russell County)

Average Square Footage in 42629: 1,207 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 42629 before you start any project. Jamestown 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 42629 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 42629 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,207 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 Jamestown 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$1181,207$142,400
Additional Upgrades & Added Features$1481,207$178,000
Major Home Updates or Advancements$1771,207$213,600

It's important to understand that when you estimate your replacement cost of your home in the 42629 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 42629

Best Home & Auto Insurance Agencies in 42629

Grider Insurance Agency

Address: 529 Main St Russell Springs, KY 42629
Phone:
Website: http://www.griderinsurance.com
Info:

Housing Demographics for 42629

Population Review for 42629 Zip Code

For the city of Jamestown, the population within 42629 has increased to over 5,198 residents in population size. The current population total is 4,994. We have broken down the population based on race below. In 42629, there are over 2462 in male population and 2532 females.

PopulationValues
Total Population4,994
White Population4643
Black Population60
Hispanic Population135
Asian Population18
Hawaiian Population2
Indian Population18
Other Population60
Male Population2462
Female Population2532
Population Estimate5198

Household Data for 42629

The average number of homes in 42629 is around 2,146, there are an average of 2.26 per household. The average house value according to local real estate values is around $142,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,146
Persons Per Household2.26
Average House Value$142,400
Income Per Household$37961
Median Age45.5
Median Age Male46.2
Median Age Female45.1
42629 DetailsValues
StateKY
State Full NameKentucky
City TypeP
City Alias Abbreviation
Area Code270/364
CityJamestown
City Alias NameJAMESTOWN
CountyRussell
County FIPS207
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 Businesses80
Number Of Employees532
Business First Quarter Payroll4890
Business Annual Payroll22755
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 Residential2300
Delivery Business84
Delivery Total2817
Preferred Last Line KeyX15416
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyX15416
Land Area100.868000
Water Area20.401000
City Alias Code
City Mixed CaseJamestown
City Alias Mixed CaseJamestown
Box Count359
SFDU2104
MFDU40
State ANSI21
County ANSI207
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number204064
Unique ZIP Name
SSA State County Code18976
Medicare CBSA Code99918
Medicare CBSA NameRural Areas in KY
Medicare CBSA TypeMicro
Market Rating Area ID4
County Mixed CaseRussell

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 […]