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42280 Home Insurance Rates & Premiums

Did you know there are over 541 people living within the 42280 zip code area? There are over 205 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 42280.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Kentucky are on the rise. The estimated average premium is around $899 a year for a standard homeowners insurance policy in Sharon Grove. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Sharon Grove, KY Homeowners Insurance Quotes Online

42280 Home Insurance Average Premiums

Local 42280 homeowners insurance quotes comparison

$649 /yr.

Shows Zip Code: 42280 lowest rates with discounts applied on average.

For the 42280, 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)		$649 /yr.
Average Coverage:$899 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1199 /yr.

What is the average home insurance cost for a home in 42280?

  • • The average homeowners insurance premium paid annually for a home in 42280 is around $899 per year.

What does it cost on average per month for home insurance in 42280?

  • • Homeowners in 42280 pay a monthly average cost per month around $75.00.

What kind of discount could I get if I combine my home and auto insurance together in 42280?

  • • Autoowners in 42280 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 Sharon Grove area, check out other zip codes nearby 42280.
Review average rates in another zip code:
42280 homeowners insurance rates

Home Replacement Cost Coverage in 42280

Average Building Cost Per Square Foot in 42280: $118

Location: Sharon Grove, Kentucky (Todd County)

Average Square Footage in 42280: 856 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 42280 before you start any project. Sharon Grove 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 42280 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 42280 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 856 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 Sharon Grove 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$118856$101,000
Additional Upgrades & Added Features$148856$126,250
Major Home Updates or Advancements$177856$151,500

It's important to understand that when you estimate your replacement cost of your home in the 42280 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 42280

Best Home & Auto Insurance Agencies in 42280

Housing Demographics for 42280

Population Review for 42280 Zip Code

For the city of Sharon Grove, the population within 42280 has increased to over 586 residents in population size. The current population total is 541. We have broken down the population based on race below. In 42280, there are over 275 in male population and 266 females.

PopulationValues
Total Population541
White Population518
Black Population1
Hispanic Population22
Asian Population2
Hawaiian Population0
Indian Population6
Other Population2
Male Population275
Female Population266
Population Estimate586

Household Data for 42280

The average number of homes in 42280 is around 205, there are an average of 2.64 per household. The average house value according to local real estate values is around $101,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode205
Persons Per Household2.64
Average House Value$101,000
Income Per Household$76406
Median Age34.6
Median Age Male33.3
Median Age Female39.1
42280 DetailsValues
StateKY
State Full NameKentucky
City TypeN
City Alias Abbreviation
Area Code270/364
CitySharon Grove
City Alias NameSHARON GROVE
CountyTodd
County FIPS219
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 Businesses4
Number Of Employees36
Business First Quarter Payroll323
Business Annual Payroll1560
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 District01
Congressional LandArea12079.5
Delivery Residential222
Delivery Business0
Delivery Total1139
Preferred Last Line Key004496
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State Key004496
Land Area23.986000
Water Area0.113000
City Alias Code
City Mixed CaseSharon Grove
City Alias Mixed CaseSharon Grove
Box Count0
SFDU222
MFDU0
State ANSI21
County ANSI219
ZIP Intro
Alias Intro
Facility CodeN
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number202460
Unique ZIP Name
SSA State County Code18982
Medicare CBSA Code99918
Medicare CBSA NameRural Areas in KY
Medicare CBSA TypeMicro
Market Rating Area ID2
County Mixed CaseTodd

Kentucky Homeowners Insurance News & Information

  • I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024

    Man thinking about prices on real estate, car, phone, good. Man can’t afford to buy things. High cost of living. Finance troubles. Vector illustration in cartoon style. According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a […]

  • How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024

    Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm.  Understanding the different coverages that are available to homeowners is key to making sure you […]

  • Homeowners Shopping Rates Due to Rise in Premiums Posted on Monday 23rd September, 2024

    According to the recently released J.D. Power 2024 U.S. Home Insurance Study a nationwide rise in premiums has driven many customers to shop for new policies as their rates are now too high.  “’The average shopping rate among home insurance customers has climbed to a record high of 6.8% through the second quarter of 2024, […]