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41522 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 41522 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 Elkhorn City, KY quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 41522.
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If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 41522 and start shopping.
Quickly and Easily Compare Average Rates for 41522
You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Elkhorn City, KY home insurance quotes in your local city and review the most competitive coverages and premiums.
Average Policy Rates in 41522
Homeowners in Elkhorn City are paying roughly $870 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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41522 Home Insurance Average Premiums
$620 /yr.
Shows Zip Code: 41522 lowest rates with discounts applied on average.
For the 41522, 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) | $620 /yr. |
| Average Coverage: | $870 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1170 /yr. |
What is the average home insurance cost for a home in 41522?
- • The average homeowners insurance premium paid annually for a home in 41522 is around $870 per year.
What does it cost on average per month for home insurance in 41522?
- • Homeowners in 41522 pay a monthly average cost per month around $73.00.
What kind of discount could I get if I combine my home and auto insurance together in 41522?
- • Autoowners in 41522 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 Elkhorn City area, check out other zip codes nearby 41522.
Review average rates in another zip code:
41522 homeowners insurance rates
Home Replacement Cost Coverage in 41522
Average Building Cost Per Square Foot in 41522: $118
Location: Elkhorn City, Kentucky (Pike County)Average Square Footage in 41522: 644 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 41522 before you start any project. Elkhorn City 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 41522 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 41522 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 644 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 Elkhorn City 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $118 | 644 | $76,000 |
| Additional Upgrades & Added Features | $148 | 644 | $95,000 |
| Major Home Updates or Advancements | $177 | 644 | $114,000 |
It's important to understand that when you estimate your replacement cost of your home in the 41522 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 41522
Best Home & Auto Insurance Agencies in 41522
Johnson-Newsom Agency Inc
Address: 165 Main St Elkhorn City, KY 41522Phone:
Website:
Info:
Housing Demographics for 41522
Population Review for 41522 Zip Code
For the city of Elkhorn City, the population within 41522 has increased to over 2,872 residents in population size. The current population total is 4,886. We have broken down the population based on race below. In 41522, there are over 2401 in male population and 2485 females.
| Population | Values |
|---|---|
| Total Population | 4,886 |
| White Population | 4754 |
| Black Population | 12 |
| Hispanic Population | 22 |
| Asian Population | 2 |
| Hawaiian Population | 1 |
| Indian Population | 6 |
| Other Population | 16 |
| Male Population | 2401 |
| Female Population | 2485 |
| Population Estimate | 2872 |
Household Data for 41522
The average number of homes in 41522 is around 2,062, there are an average of 2.33 per household. The average house value according to local real estate values is around $76,000. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 2,062 |
| Persons Per Household | 2.33 |
| Average House Value | $76,000 |
| Income Per Household | $30930 |
| Median Age | 45.8 |
| Median Age Male | 43.5 |
| Median Age Female | 48.8 |
| 41522 Details | Values |
|---|---|
| State | KY |
| State Full Name | Kentucky |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 606 |
| City | Elkhorn City |
| City Alias Name | ELKHORN CITY |
| County | Pike |
| County FIPS | 195 |
| State FIPS | 21 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | 38210 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Pikeville, KY |
| MSA_Name | |
| PMSA_Name | |
| Region | South |
| Division | East South Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 54 |
| Number Of Employees | 329 |
| Business First Quarter Payroll | 2507 |
| Business Annual Payroll | 11237 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 0 |
| CBSA Division Population | 0 |
| Congressional District | 05 |
| Congressional LandArea | 11235.15 |
| Delivery Residential | 1233 |
| Delivery Business | 15 |
| Delivery Total | 1998 |
| Preferred Last Line Key | X14912 |
| Classification Code | |
| Multi-County | |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | X14912 |
| Land Area | 70.137000 |
| Water Area | 0.005000 |
| City Alias Code | |
| City Mixed Case | Elkhorn City |
| City Alias Mixed Case | Elkhorn City |
| Box Count | 692 |
| SFDU | 1201 |
| MFDU | 0 |
| State ANSI | 21 |
| County ANSI | 195 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 202458 |
| Unique ZIP Name | |
| SSA State County Code | 18970 |
| Medicare CBSA Code | 99918 |
| Medicare CBSA Name | Rural Areas in KY |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 8 |
| County Mixed Case | Pike |
Kentucky Homeowners Insurance News & Information
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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 […]
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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 […]
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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 […]