40258 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 40258 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 Louisville, KY quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 40258.

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 40258 and start shopping.

Quickly and Easily Compare Average Rates for 40258

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

Average Policy Rates in 40258

Homeowners in Louisville are paying roughly $880 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.

Save on 40258 Home Insurance Quotes right now!

Average Building Cost Per Square Foot in 40258: $118

Average Square Footage in 40258: 1,173 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 40258 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 40258 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 40258 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,173 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.

It's important to understand that when you estimate your replacement cost of your home in the 40258 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.

Allstate Insurance-Steve and John Coffman

Scheynost Rudy Insurance Agency Inc

Allstate Insurance-Steve and John Coffman

Brotherhood Mutual Insurance CO

Claude Reynolds Insurance

Allstate Insurance Companies

State Farm Insurance Companies - Agents- White Bob

Household Data for 40258

The average number of homes in 40258 is around 10,775, there are an average of 2.49 per household. The average house value according to local real estate values is around $138,400. Please review the following demographics below for average income and media age.

• Largest Insurer in California – Travelers Announces Home Insurance Rates Going Up 15% Posted on Monday 20th May, 2024

  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 […]