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42463 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 42463 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 Wheatcroft, KY quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 42463.

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 42463 and start shopping.

Quickly and Easily Compare Average Rates for 42463

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

Average Policy Rates in 42463

Homeowners in Wheatcroft are paying roughly $892 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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42463 Home Insurance Average Premiums

Local 42463 homeowners insurance quotes comparison

$642 /yr.

Shows Zip Code: 42463 lowest rates with discounts applied on average.

For the 42463, 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)		$642 /yr.
Average Coverage:$892 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1192 /yr.

What is the average home insurance cost for a home in 42463?

  • • The average homeowners insurance premium paid annually for a home in 42463 is around $892 per year.

What does it cost on average per month for home insurance in 42463?

  • • Homeowners in 42463 pay a monthly average cost per month around $74.00.

What kind of discount could I get if I combine my home and auto insurance together in 42463?

  • • Autoowners in 42463 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 Wheatcroft, check out other zip codes nearby 42463.
To review average rates in another zip code, click on a zip code below:
42463  | 

Home Replacement Cost Coverage in 42463

Average Building Cost Per Square Foot in 42463: $118

Location: Wheatcroft, Kentucky (Webster County)

Average Square Footage in 42463: 517 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 42463 before you start any project. Wheatcroft 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 42463 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 42463 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 517 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 Wheatcroft 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$118517$61,000
Additional Upgrades & Added Features$148517$76,250
Major Home Updates or Advancements$177517$91,500

It's important to understand that when you estimate your replacement cost of your home in the 42463 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 42463

Best Home & Auto Insurance Agencies in 42463

Housing Demographics for 42463

Population Review for 42463 Zip Code

For the city of Wheatcroft, the population within 42463 has increased to over 0 residents in population size. The current population total is 109. We have broken down the population based on race below. In 42463, there are over 57 in male population and 52 females.

PopulationValues
Total Population109
White Population105
Black Population0
Hispanic Population0
Asian Population0
Hawaiian Population0
Indian Population0
Other Population2
Male Population57
Female Population52
Population Estimate0

Household Data for 42463

The average number of homes in 42463 is around 54, there are an average of 2.02 per household. The average house value according to local real estate values is around $61,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode54
Persons Per Household2.02
Average House Value$61,000
Income Per Household$35625
Median Age52.7
Median Age Male52.1
Median Age Female54.7
42463 DetailsValues
StateKY
State Full NameKentucky
City TypeZ
City Alias Abbreviation
Area Code270/364
CityWheatcroft
City Alias NameWHEATCROFT
CountyWebster
County FIPS233
State FIPS21
Time Zone6
Day Light SavingY
MSA
PMSA
CSA241
CBSA25775
CBSA_DIV
CBSA_TypeMicro
CBSA_NameHenderson, KY
MSA_Name
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses0
Number Of Employees0
Business First Quarter Payroll0
Business Annual Payroll0
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 Residential0
Delivery Business0
Delivery Total55
Preferred Last Line KeyX16769
Classification CodeP
Multi-County
CSA NameEvansville-Henderson, IN-KY
CBSA_DIV_Name
City State KeyX16769
Land Area1.532000
Water Area0.001000
City Alias Code
City Mixed CaseWheatcroft
City Alias Mixed CaseWheatcroft
Box Count53
SFDU0
MFDU0
State ANSI21
County ANSI233
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number208276
Unique ZIP Name
SSA State County Code18989
Medicare CBSA Code99918
Medicare CBSA NameRural Areas in KY
Medicare CBSA TypeMicro
Market Rating Area ID2
County Mixed CaseWebster

Kentucky Homeowners Insurance News & Information

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    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 […]

  • Top 10 States That Have the Highest Rates of Uninsured Homes Posted on Tuesday 22nd April, 2025

    As recent headlines have made clear, climate change has led to more frequent extreme weather events which has led to a rise in homeowner insurance claims. As insurers deal with an increased number of claims, they pass those additional costs onto homeowners via higher premiums, regardless of whether you have filed a claim or not.  […]