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42713 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 42713 zip code find a great new policy that offers the coverage they need at a price they can afford.

GetHomeInsuranceQuotes.com makes shopping for a new policy in Bonnieville, KY quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 42713.

Shopping for insurance quotes on GetHomeInsuranceQuotes.com is always free and we will provide you with a free consultation to answer any questions you may have about coverages and rates.

If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 42713 and start shopping.

Quickly and Easily Compare Average Rates for 42713

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Bonnieville, KY home insurance quotes in your local city and review the most competitive coverages and premiums.

Average Policy Rates in 42713

Homeowners in Bonnieville are paying roughly $882 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

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42713 Home Insurance Average Premiums

Local 42713 homeowners insurance quotes comparison

$632 /yr.

Shows Zip Code: 42713 lowest rates with discounts applied on average.

For the 42713, 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)
$632 /yr.
Average Coverage:$882 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1182 /yr.

What is the average home insurance cost for a home in 42713?

  • • The average homeowners insurance premium paid annually for a home in 42713 is around $882 per year.

What does it cost on average per month for home insurance in 42713?

  • • Homeowners in 42713 pay a monthly average cost per month around $74.00.

What kind of discount could I get if I combine my home and auto insurance together in 42713?

  • • Autoowners in 42713 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 Bonnieville area, check out other zip codes nearby 42713.
Review average rates in another zip code:
42713 homeowners insurance rates

Home Replacement Cost Coverage in 42713

Average Building Cost Per Square Foot in 42713: $118

Location: Bonnieville, Kentucky (Hart County)

Average Square Footage in 42713: 735 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 42713 before you start any project. Bonnieville 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 42713 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 42713 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 735 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 Bonnieville 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$118735$86,700
Additional Upgrades & Added Features$148735$108,375
Major Home Updates or Advancements$177735$130,050

It's important to understand that when you estimate your replacement cost of your home in the 42713 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 42713

Best Home & Auto Insurance Agencies in 42713

Housing Demographics for 42713

Population Review for 42713 Zip Code

For the city of Bonnieville, the population within 42713 has increased to over 1,886 residents in population size. The current population total is 1,876. We have broken down the population based on race below. In 42713, there are over 916 in male population and 960 females.

PopulationValues
Total Population1,876
White Population1742
Black Population42
Hispanic Population30
Asian Population8
Hawaiian Population0
Indian Population11
Other Population12
Male Population916
Female Population960
Population Estimate1886

Household Data for 42713

The average number of homes in 42713 is around 763, there are an average of 2.46 per household. The average house value according to local real estate values is around $86,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode763
Persons Per Household2.46
Average House Value$86,700
Income Per Household$29940
Median Age41.7
Median Age Male41.3
Median Age Female42.2
42713 DetailsValues
StateKY
State Full NameKentucky
City TypeP
City Alias Abbreviation
Area Code270/364
CityBonnieville
City Alias NameBONNIEVILLE
CountyHart
County FIPS099
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 Businesses16
Number Of Employees137
Business First Quarter Payroll836
Business Annual Payroll3940
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 District02
Congressional LandArea7177.44
Delivery Residential767
Delivery Business11
Delivery Total868
Preferred Last Line KeyX14387
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyX14387
Land Area47.398000
Water Area0.113000
City Alias Code
City Mixed CaseBonnieville
City Alias Mixed CaseBonnieville
Box Count76
SFDU767
MFDU0
State ANSI21
County ANSI099
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number200848
Unique ZIP Name
SSA State County Code18490
Medicare CBSA Code99918
Medicare CBSA NameRural Areas in KY
Medicare CBSA TypeMicro
Market Rating Area ID4
County Mixed CaseHart

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 […]