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42649, KY Home Insurance

In the zip code of 42649, the population size is around 2,179, which consists of 856 occupied homes in your area. We often hear homeowners ask us what the average home insurance premiums are for residence living in Strunk, KY. A few years ago, a study was done and found that the average home insurance rates for Kentucky are around $867 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 42649 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 Strunk. 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 Strunk, KY Homeowners Insurance Online Rates Today!

42649 Home Insurance Average Premiums

Local 42649 homeowners insurance quotes comparison

$617 /yr.

Shows Zip Code: 42649 lowest rates with discounts applied on average.

For the 42649, 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)
$617 /yr.
Average Coverage:$867 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1167 /yr.

What is the average home insurance cost for a home in 42649?

  • • The average homeowners insurance premium paid annually for a home in 42649 is around $867 per year.

What does it cost on average per month for home insurance in 42649?

  • • Homeowners in 42649 pay a monthly average cost per month around $72.00.

What kind of discount could I get if I combine my home and auto insurance together in 42649?

  • • Autoowners in 42649 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 Strunk area, check out other zip codes nearby 42649.
Review average rates in another zip code:
42649 homeowners insurance rates

Home Replacement Cost Coverage in 42649

Average Building Cost Per Square Foot in 42649: $118

Location: Strunk, Kentucky (Mccreary County)

Average Square Footage in 42649: 723 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 42649 before you start any project. Strunk 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 42649 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 42649 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 723 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 Strunk 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$118723$85,300
Additional Upgrades & Added Features$148723$106,625
Major Home Updates or Advancements$177723$127,950

It's important to understand that when you estimate your replacement cost of your home in the 42649 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 42649

Best Home & Auto Insurance Agencies in 42649

Housing Demographics for 42649

Population Review for 42649 Zip Code

For the city of Strunk, the population within 42649 has increased to over 1,762 residents in population size. The current population total is 2,179. We have broken down the population based on race below. In 42649, there are over 1039 in male population and 1140 females.

PopulationValues
Total Population2,179
White Population2110
Black Population2
Hispanic Population14
Asian Population2
Hawaiian Population0
Indian Population5
Other Population8
Male Population1039
Female Population1140
Population Estimate1762

Household Data for 42649

The average number of homes in 42649 is around 856, there are an average of 2.55 per household. The average house value according to local real estate values is around $85,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode856
Persons Per Household2.55
Average House Value$85,300
Income Per Household$28878
Median Age38.6
Median Age Male38.3
Median Age Female38.8
42649 DetailsValues
StateKY
State Full NameKentucky
City TypeP
City Alias Abbreviation
Area Code606
CityStrunk
City Alias NameSTRUNK
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 Businesses6
Number Of Employees8
Business First Quarter Payroll113
Business Annual Payroll498
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 Residential691
Delivery Business6
Delivery Total791
Preferred Last Line KeyX16525
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyX16525
Land Area73.490000
Water Area0.346000
City Alias Code
City Mixed CaseStrunk
City Alias Mixed CaseStrunk
Box Count68
SFDU691
MFDU0
State ANSI21
County ANSI147
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number207468
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

  • Homeowners Shopping Rates Due to Rise in Premiums Posted on Monday 23rd September, 2024

    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 […]