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42285 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 42285? There are over 135 occupied homes in the 42285 area. With a population size of 373, it's not uncommon for residence of Sweeden, KY to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Kentucky is around $873 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 42285 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Sweeden, KY Home Insurance Rate Quotes

42285 Home Insurance Average Premiums

Local 42285 homeowners insurance quotes comparison

$623 /yr.

Shows Zip Code: 42285 lowest rates with discounts applied on average.

For the 42285, 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)		$623 /yr.
Average Coverage:$873 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1173 /yr.

What is the average home insurance cost for a home in 42285?

  • • The average homeowners insurance premium paid annually for a home in 42285 is around $873 per year.

What does it cost on average per month for home insurance in 42285?

  • • Homeowners in 42285 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 42285?

  • • Autoowners in 42285 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.

You can easily shop and compare home insurance rates within Sweeden, check out other zip codes nearby 42285.
To review average rates in another zip code, click on a zip code below:
42285  | 

Home Replacement Cost Coverage in 42285

Average Building Cost Per Square Foot in 42285: $118

Location: Sweeden, Kentucky (Edmonson County)

Average Square Footage in 42285: 1,293 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 42285 before you start any project. Sweeden 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 42285 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 42285 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,293 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 Sweeden 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$1181,293$152,600
Additional Upgrades & Added Features$1481,293$190,750
Major Home Updates or Advancements$1771,293$228,900

It's important to understand that when you estimate your replacement cost of your home in the 42285 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 42285

Best Home & Auto Insurance Agencies in 42285

Housing Demographics for 42285

Population Review for 42285 Zip Code

For the city of Sweeden, the population within 42285 has increased to over 466 residents in population size. The current population total is 373. We have broken down the population based on race below. In 42285, there are over 148 in male population and 225 females.

PopulationValues
Total Population373
White Population352
Black Population1
Hispanic Population9
Asian Population0
Hawaiian Population0
Indian Population2
Other Population3
Male Population148
Female Population225
Population Estimate466

Household Data for 42285

The average number of homes in 42285 is around 135, there are an average of 2.76 per household. The average house value according to local real estate values is around $152,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode135
Persons Per Household2.76
Average House Value$152,600
Income Per Household$32161
Median Age43.9
Median Age Male49.5
Median Age Female41.1
42285 DetailsValues
StateKY
State Full NameKentucky
City TypeP
City Alias Abbreviation
Area Code364/270
CitySweeden
City Alias NameSWEEDEN
CountyEdmonson
County FIPS061
State FIPS21
Time Zone6
Day Light SavingY
MSA
PMSA
CSA150
CBSA14540
CBSA_DIV
CBSA_TypeMetro
CBSA_NameBowling Green, KY
MSA_Name
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses4
Number Of Employees27
Business First Quarter Payroll204
Business Annual Payroll792
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population125953
CBSA Division Population0
Congressional District02
Congressional LandArea7177.44
Delivery Residential169
Delivery Business4
Delivery Total194
Preferred Last Line KeyX16557
Classification Code
Multi-County
CSA NameBowling Green-Glasgow-Franklin, KY
CBSA_DIV_Name
City State KeyX16557
Land Area8.355000
Water Area0.000000
City Alias Code
City Mixed CaseSweeden
City Alias Mixed CaseSweeden
Box Count19
SFDU169
MFDU0
State ANSI21
County ANSI061
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number207560
Unique ZIP Name
SSA State County Code18291
Medicare CBSA Code14540
Medicare CBSA NameBowling Green, KY
Medicare CBSA TypeMetro
Market Rating Area ID4
County Mixed CaseEdmonson

Kentucky Homeowners Insurance News & Information

  • Higher Premiums and Claim Handling Causes Poor Customer Satisfaction for Insurance Companies Posted on Friday 9th May, 2025

    According to the recently released J.D. Power’s 2025 U.S. Property Claims Satisfaction Study, higher premiums and longer wait time for claim handling are making property owners less satisfied with their homeowners coverage. “Customers are, in essence, paying higher prices for slower service,” said Mark Garrett, director of insurance intelligence at J.D. Power in a press release. […]

  • Affordable Home Insurance Is Getting Very Hard to Find Posted on Tuesday 6th May, 2025

    According to a recent ValuePenguin study, homeowners are having a harder time finding affordable insurance due to the property insurance crisis spreading around the country.  The report found that a shocking two-thirds of homeowners have seen premium increases in 2024. Another 25% of homeowners said they were dropped by their insurance company which is a […]

  • Which state pays the highest home insurance premiums in 2025? Posted on Thursday 24th April, 2025

    Recently, Insurify released its third annual American Homeowner Insurance report which offers a detailed forecast of insurance trends in the U.S. for 2025.  States that have a high risk of wildfires and severe weather will see the largest increases in homeowners insurance premiums. According to the report, Louisiana will see the largest premium increases with […]