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Home Insurance Rates in 42733

For homeowners shopping online in 42733, our insurance rates are very competitive for homeowners living in Elk Horn, KY. Many homeowners based out of the great city of Elk Horn have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Kentucky licensed agents can provide a free consultation service to you that allows you to ask questions about which rates and coverage options are best suited for you and your family. To get free home insurance quotes in 42733, simply click the "Get Multiple Quotes Now" button. Your 42733 should appear in the zip code field ready to go. We only need some basic home information to start running multiple quotes for you. Elk Horn, KY Home Insurance Rate Quotes are available for you, we easily review and compare multiple coverage and rate options.

42733 Home Insurance Rating is: Medium!

If you live in 42733, you can easily save up to 40% off the average home insurance premium of $858 a year by letting us help you compare the best rate and coverage option for your home. We can compare up to 12 major top rated home insurance companies all at once. We also will do a professional analysis to determine which coverage is best suited to cover the risk that you need. Home insurance in Elk Horn can come in a variety of different packages, it's important to understand which homeowners policy is best. Let us help you compare home insurance rates in 42733 today!

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42733 Home Insurance Average Premiums

Local 42733 homeowners insurance quotes comparison

$608 /yr.

Shows Zip Code: 42733 lowest rates with discounts applied on average.

For the 42733, 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)		$608 /yr.
Average Coverage:$858 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1158 /yr.

What is the average home insurance cost for a home in 42733?

  • • The average homeowners insurance premium paid annually for a home in 42733 is around $858 per year.

What does it cost on average per month for home insurance in 42733?

  • • Homeowners in 42733 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 42733?

  • • Autoowners in 42733 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 Elk Horn area, check out other zip codes nearby 42733.
Review average rates in another zip code:
42733 homeowners insurance rates

Home Replacement Cost Coverage in 42733

Average Building Cost Per Square Foot in 42733: $118

Location: Elk Horn, Kentucky (Taylor County)

Average Square Footage in 42733: 1,040 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 42733 before you start any project. Elk Horn 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 42733 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 42733 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,040 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 Elk Horn 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$1181,040$122,700
Additional Upgrades & Added Features$1481,040$153,375
Major Home Updates or Advancements$1771,040$184,050

It's important to understand that when you estimate your replacement cost of your home in the 42733 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 42733

Best Home & Auto Insurance Agencies in 42733

Housing Demographics for 42733

Population Review for 42733 Zip Code

For the city of Elk Horn, the population within 42733 has increased to over 1,544 residents in population size. The current population total is 1,530. We have broken down the population based on race below. In 42733, there are over 741 in male population and 789 females.

PopulationValues
Total Population1,530
White Population1421
Black Population6
Hispanic Population40
Asian Population8
Hawaiian Population0
Indian Population9
Other Population18
Male Population741
Female Population789
Population Estimate1544

Household Data for 42733

The average number of homes in 42733 is around 568, there are an average of 2.69 per household. The average house value according to local real estate values is around $122,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode568
Persons Per Household2.69
Average House Value$122,700
Income Per Household$60481
Median Age38.3
Median Age Male36.6
Median Age Female40.4
42733 DetailsValues
StateKY
State Full NameKentucky
City TypeN
City Alias Abbreviation
Area Code270/364
CityElk Horn
City Alias NameELK HORN
CountyTaylor
County FIPS217
State FIPS21
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA15820
CBSA_DIV
CBSA_TypeMicro
CBSA_NameCampbellsville, KY
MSA_Name
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses8
Number Of Employees18
Business First Quarter Payroll106
Business Annual Payroll556
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population24512
CBSA Division Population0
Congressional District01
Congressional LandArea12079.5
Delivery Residential574
Delivery Business6
Delivery Total580
Preferred Last Line Key012920
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State Key012920
Land Area55.472000
Water Area5.087000
City Alias Code
City Mixed CaseElk Horn
City Alias Mixed CaseElk Horn
Box Count0
SFDU574
MFDU0
State ANSI21
County ANSI217
ZIP Intro
Alias Intro
Facility CodeN
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number201216
Unique ZIP Name
SSA State County Code18981
Medicare CBSA Code99918
Medicare CBSA NameRural Areas in KY
Medicare CBSA TypeMicro
Market Rating Area ID4
County Mixed CaseTaylor

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