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Compare 40228 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Louisville just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 7,424 neighbors looking to save on their home insurance policy in the local 40228 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 40228. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Kentucky rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Louisville, KY home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Louisville, KY

40228 Home Insurance Average Premiums

Local 40228 homeowners insurance quotes comparison

$659 /yr.

Shows Zip Code: 40228 lowest rates with discounts applied on average.

For the 40228, 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)		$659 /yr.
Average Coverage:$909 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1209 /yr.

What is the average home insurance cost for a home in 40228?

  • • The average homeowners insurance premium paid annually for a home in 40228 is around $909 per year.

What does it cost on average per month for home insurance in 40228?

  • • Homeowners in 40228 pay a monthly average cost per month around $76.00.

What kind of discount could I get if I combine my home and auto insurance together in 40228?

  • • Autoowners in 40228 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 Louisville area, check out other zip codes nearby 40228.
Review average rates in another zip code:
40215 homeowners insurance rates
40209 homeowners insurance rates
40272 homeowners insurance rates
40203 homeowners insurance rates
40213 homeowners insurance rates
40208 homeowners insurance rates
40202 homeowners insurance rates
40223 homeowners insurance rates
40243 homeowners insurance rates
40214 homeowners insurance rates

Home Replacement Cost Coverage in 40228

Average Building Cost Per Square Foot in 40228: $118

Location: Louisville, Kentucky (Jefferson County)

Average Square Footage in 40228: 1,515 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 40228 before you start any project. Louisville 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 40228 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 40228 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,515 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 Louisville 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$1181,515$178,800
Additional Upgrades & Added Features$1481,515$223,500
Major Home Updates or Advancements$1771,515$268,200

It's important to understand that when you estimate your replacement cost of your home in the 40228 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 40228

Heritage Insurance Service Inc

Address: 6540 Outer Loop Suite 7 Louisville, KY 40228
Phone: (502)968-9196
Website:

Best Home & Auto Insurance Agencies in 40228

Metzger- David F

Address: 7219 Vaughn Mill Rd Louisville, KY 40228
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Heritage Insurance Service Inc

Address: 6540 Outer Loop, #7 Louisville, KY 40228
Phone:
Website:
Info:

Acceptance Insurance Center

Address: 6708 Shepherdsville Rd Louisville, KY 40228
Phone:
Website:
Info:

Koger Ii- W Glenn

Address: 6456 Outer Loop, #101 Louisville, KY 40228
Phone:
Website:
Info:

Housing Demographics for 40228

Population Review for 40228 Zip Code

For the city of Louisville, the population within 40228 has increased to over 20,991 residents in population size. The current population total is 18,655. We have broken down the population based on race below. In 40228, there are over 9033 in male population and 9622 females.

PopulationValues
Total Population18,655
White Population11772
Black Population3746
Hispanic Population1452
Asian Population967
Hawaiian Population10
Indian Population51
Other Population523
Male Population9033
Female Population9622
Population Estimate20991

Household Data for 40228

The average number of homes in 40228 is around 7,424, there are an average of 2.51 per household. The average house value according to local real estate values is around $178,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode7,424
Persons Per Household2.51
Average House Value$178,800
Income Per Household$69944
Median Age39.8
Median Age Male38.1
Median Age Female41.8
40228 DetailsValues
StateKY
State Full NameKentucky
City TypeP
City Alias Abbreviation
Area Code502
CityLouisville
City Alias NameLOUISVILLE
CountyJefferson
County FIPS111
State FIPS21
Time Zone5
Day Light SavingY
MSA4520
PMSA
CSA350
CBSA31140
CBSA_DIV
CBSA_TypeMetro
CBSA_NameLouisville/Jefferson County, KY-IN
MSA_NameLouisville, KY-IN MSA
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses311
Number Of Employees3840
Business First Quarter Payroll40030
Business Annual Payroll179602
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population1283566
CBSA Division Population0
Congressional District03
Congressional LandArea319.34
Delivery Residential8363
Delivery Business344
Delivery Total8613
Preferred Last Line KeyX15639
Classification Code
Multi-County
CSA NameLouisville/Jefferson County--Elizabethtown, KY-IN
CBSA_DIV_Name
City State KeyX15639
Land Area8.662000
Water Area0.061000
City Alias Code
City Mixed CaseLouisville
City Alias Mixed CaseLouisville
Box Count0
SFDU5896
MFDU261
State ANSI21
County ANSI111
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number204788
Unique ZIP Name
SSA State County Code18550
Medicare CBSA Code31140
Medicare CBSA NameLouisville/Jefferson County, KY-IN
Medicare CBSA TypeMetro
Market Rating Area ID3
County Mixed CaseJefferson

Kentucky Homeowners Insurance News & Information

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    Travelers Insurance, which is one of the largest insurers in California, recently announced that they will be raising premiums by an average of 15% in the Golden State. This is just the latest rate increase or policy limitation by major insurance companies who blame the increases on spreading wildfire risks, inflation, and the cost of […]

  • Should I raise my deductible to $10,000 to help offset the cost of rising premiums? Posted on Wednesday 15th May, 2024

    According to industry reports, homeowners are raising their deductibles to $5,000 to $10,000 to help offset the cost of rising premiums.  While raising a deductible into the stratosphere will absolutely lower your homeowner insurance premium, it does mean that you will have to cover your deductible amount in the event you have to make a […]

  • Should I choose the minimum or maximum homeowners insurance coverage? Posted on Monday 13th May, 2024

    As homeowner insurance rates rise across the country, some homeowners are opting for policies that offer minimal coverage to keep their premiums affordable. Unfortunately, this choice will leave them at higher risk and in a position where they may have to pay more out of pocket if they have to make a claim on their […]