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42638 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 42638? There are over 53 occupied homes in the 42638 area. With a population size of 128, it's not uncommon for residence of Revelo, KY to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Kentucky is around $839 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 42638 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Revelo, KY Home Insurance Rate Quotes

42638 Home Insurance Average Premiums

Local 42638 homeowners insurance quotes comparison

$589 /yr.

Shows Zip Code: 42638 lowest rates with discounts applied on average.

For the 42638, 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 42638?

  • • The average homeowners insurance premium paid annually for a home in 42638 is around $839 per year.

What does it cost on average per month for home insurance in 42638?

  • • Homeowners in 42638 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 42638?

  • • Autoowners in 42638 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 Revelo area, check out other zip codes nearby 42638.
Review average rates in another zip code:
42638 homeowners insurance rates

Home Replacement Cost Coverage in 42638

Average Building Cost Per Square Foot in 42638: $118

Location: Revelo, Kentucky (Mccreary County)

Average Square Footage in 42638: 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 42638 before you start any project. Revelo 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 42638 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 42638 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 Revelo 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 42638 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 42638

Best Home & Auto Insurance Agencies in 42638

Housing Demographics for 42638

Population Review for 42638 Zip Code

For the city of Revelo, the population within 42638 has increased to over 0 residents in population size. The current population total is 128. We have broken down the population based on race below. In 42638, there are over 82 in male population and 46 females.

PopulationValues
Total Population128
White Population120
Black Population0
Hispanic Population0
Asian Population0
Hawaiian Population0
Indian Population0
Other Population0
Male Population82
Female Population46
Population Estimate0

Household Data for 42638

The average number of homes in 42638 is around 53, there are an average of 2.42 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 Zipcode53
Persons Per Household2.42
Average House Value$165,000
Income Per Household$0
Median Age42.3
Median Age Male39.0
Median Age Female46.2
42638 DetailsValues
StateKY
State Full NameKentucky
City TypeZ
City Alias Abbreviation
Area Code606
CityRevelo
City Alias NameREVELO
CountyMccreary
County FIPS147
State FIPS21
Time Zone5
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 Businesses0
Number Of Employees0
Business First Quarter Payroll0
Business Annual Payroll0
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 District05
Congressional LandArea11235.15
Delivery Residential0
Delivery Business0
Delivery Total203
Preferred Last Line KeyX16175
Classification CodeP
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyX16175
Land Area1.136000
Water Area0.019000
City Alias Code
City Mixed CaseRevelo
City Alias Mixed CaseRevelo
Box Count73
SFDU0
MFDU0
State ANSI21
County ANSI147
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number206476
Unique ZIP Name
SSA State County Code18730
Medicare CBSA Code99918
Medicare CBSA NameRural Areas in KY
Medicare CBSA TypeMicro
Market Rating Area ID4
County Mixed CaseMccreary

Kentucky Homeowners Insurance News & Information

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    According to the recently released J.D. Power 2024 U.S. Home Insurance Study a nationwide rise in premiums has driven many customers to shop for new policies as their rates are now too high.  “’The average shopping rate among home insurance customers has climbed to a record high of 6.8% through the second quarter of 2024, […]

  • Where is it cheaper to rent than to buy a home in the United States? Posted on Thursday 5th September, 2024

    According to a new study from Clever Real Estate, a St. Louis-based real estate company, monthly rent costs are actually cheaper than a monthly mortgage payment in 48 of the 50 most populous cities in the United States. Their analysis looked at mortgage principals, interest, taxes as well as homeowners insurance and they found that […]

  • Review How Many Homeowners Are Not Insured Per State Posted on Thursday 29th August, 2024

    One of the major costs of owning a home is protecting it with homeowners insurance. This will ensure your home is repaired or rebuilt if it is damage or destroyed by a covered peril. It also helps protect you against lawsuits, theft and even vandalism. If you have a mortgage on your home, your lender […]