Hustonville, KY Home Insurance Quotes!

Enter your Zip Code:    
Easily compare up to 12 competitive Hustonville, KY rates all in one place!

Did you know that shopping online for lower home insurance rates in Hustonville, KY just got easier! At, we provide superior service when it comes to handling your insurance needs. We can shop the highly trusted carriers who have been in business for several decades and offer a branded household name that you can depend on and most of all trust. The best rates in your area are around $601 per year on average. Our licensed Hustonville insurance consultants are here to help you compare multiple options and our professional service allows us to answer the questions that you need to get the right coverage at the most affordable price. We provide the best rates from up to 12 different insurance carriers that are all highly rated by A.M Best and we shop the policy with you so you know which Hustonville homeowners insurance package is best for you. Start your quote today by entering your zip code!

Hustonville Demographics & Housing Facts

Location:Hustonville, KY (LINCOLN County)
Occupied Residents:1,991
Average Real Estate Value Per Zip Code:$111,600

The city of Hustonville in Kentucky is roughly around 405 residents in population size with 1,991 homes to be estimated within the city of Hustonville. The average house value per zip code in Hustonville, KY is $111,600. Understanding the market value of your home and which carrier is best suitable for you in terms of coverage and affordability is our job. Let our local experience of the Hustonville home insurance market earn your business. Easily get quotes from us for free!

Homeowners Insurance in Hustonville, KY

When our local Hustonville agents discuss homeowners insurance with new customers, we work with them to clearly explain the additional ways for you to save time and money by discovering lower rates that are available to you. Our online shopping service for your home located in Hustonville can save you hours of confusion and stress. It's important to understand that coverage to replace your home is key, so the right replacement cost matters due to the fluctuation of building cost in your area. Even existing customers in Hustonville are increasing their coverage to make sure no surprises will fall on them if a major issue occurs. Residents of Hustonville, KY can get cheaper rates around the $601 rate per year. On average, we are helping most customers in the $851 per year or the $71 per month range. Cheaper is not always better. For larger homes in Hustonville, above the 3,000 square foot range, we are seeing rates much higher in the $1,151 per year because it will cost more to replace the home so a more expensive dwelling coverage is required to help protect the homeowner.

The average rates mentioned above for a standard homeowners insurance policy within the state of Kentucky includes the coverage of your home, your contents, loss of use, medical payments and homeowner liability coverage. We always explain the policy details to you and help you understand that if your home is in need of additional coverage because the area in which your home is located requires flood insurance then our agents will help you setup a flood insurance policy. This is one of the many policy details our agents will recognize when you request an online Hustonville, KY homeowners insurance quote from us.

For additional help, please visit our homeowners insurance blog for helpful articles, tips and customer related questions.

Compare Homeowners Insurance Rates in Hustonville, KY!

Enter your Zip Code:    

Get up to 12 competitive Hustonville, KY homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive Hustonville, KY rates all in one place!

Average Rates Nearby Hustonville

Are you looking for homeowners insurance in a city near Hustonville? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Hustonville, KY

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Hustonville.


Hustonville, KY Home Insurance Average Premiums

Local Hustonville, KY home insurance quotes comparison

$601 /yr.

Shows Hustonville's lowest average rates with discounts applied.

For the city of Hustonville, 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)
$601 /yr.
Average Coverage:$851 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1151 /yr.

What is the average home insurance cost for a home in Hustonville, KY?

  • • The average homeowners insurance premium paid annually for a home in Hustonville is around $851 per year.

What does it cost on average per month for home insurance in Hustonville, KY?

  • • Homeowners in Hustonville pay an average cost per month around $71.00 for insurance coverage.

Hustonville, KY - 2023 Housing Information

Month Current Home Value (2023) Last Year Home Value (2022)
January $136,607 $118,650
February $138,804 $121,471
March $140,760 $124,212
April $141,113 $126,039

Homeowners insurance will help cover the cost to repair or replace your Hustonville home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

  • Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Hustonville
  • Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
  • Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
  • Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
  • Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.
Enter your Zip Code:    

Get up to 12 competitive Hustonville, KY homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive Hustonville, KY rates all in one place!

Saving Money Tips on Hustonville Home Insurance

A great way to save money on Hustonville homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

  • Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
  • Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
  • Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
  • Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the Hustonville area? Check out what homeowners are paying on average for Kentucky homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation Details Homeowners Tips
969 ft. This is the average home elevation in Hustonville, KY

Did you know that the elevation in which your home resides is crucial to a home insurance policy because it determines the risk factor related to your home being in a flood zone. It is important to understand that your home is not covered for floods under a standard homeowners policy. You will need to speak with a local Kentucky flood insurance agent about a flood insurance policy, please give us a call now at 888-620-1954.

To get online quotes on your home and compare rates on home insurance premiums in Hustonville, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Lincoln County.

Kentucky Homeowners Insurance News & Information

  • 2024 Average Homeowners Insurance Rate at $2,777 per year  Posted on Tuesday 20th February, 2024

    A recent report by, found that the average homeowners insurance rate in the U.S. came in at $2,777 per year which breaks down to $231 a month. The average was based on coverage levels of $300,000 in dwelling and liability and a $1,000 deductible. When ran the numbers, Oklahoma was the most expensive […]

  • NC Residents Speak Against 42% Rate Increase Requested by Rate Bureau Posted on Tuesday 13th February, 2024

    During a recent public comment session held by the North Carolina Department of Insurance, dozens of North Carolina residents spoke out against an average rate increase of 42% that the North Carolina Rate Bureau is requesting.  The Rate Bureau represents insurance companies in the state and earlier this year requested average rate increases of 42%. […]

  • Is Homeowners Insurance Part of Your New Years Resolution? Posted on Wednesday 31st January, 2024

    The New Year is here for 2024, and you have probably made a list of resolutions involving everything from eating better to losing a bit of weight. One thing that should be on everyone’s list is a review and update of their homeowners policy. The beginning of the year is a great time to pull […]

  • North Carolina: 2024 Homeowners Insurance Rate Increase Proposed Posted on Friday 19th January, 2024

    Recently, the North Carolina Rate Bureau requested that the N.C. Department of Insurance allow increases to homeowners’ insurance rates by an average of 42.2 percent. If the NCDOI agrees, the proposed rates will go into effect Aug. 1. However, it is also possible that the NCDOI will not agree to the increase and deny the […]

  • Shopping For Coastal NC Home Insurance Posted on Friday 19th January, 2024

    Getting an affordable home insurance policy is crucial when shopping for home insurance online, especially if your home is considered to be in a flood zone. Most homes that are in a flood zone are near the coast, like the Outer Banks of North Carolina. Major cities along the North Carolina coast like Calabash, Oak […]

Hustonville, KY Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Hustonville so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Hustonville, KY?

- The average square footage in Hustonville is around 946 Sq. Ft. which would cost you around $111,600 to replace the home if you base the home on the price to build per square foot of $118.

Minimum Replacement Cost Total: $111,600

Location: Hustonville, Kentucky (Lincoln County)

Average Building Cost Per Square Foot in Hustonville: $118 (low end)

Average Square Footage in Hustonville: 946 Sq. Ft.

Home Improvement StatusPrice per Sq. Ft.Dwelling Coverage
None or Very Minor Improvements$118$111,600
Some Additional Upgrades$148$139,500
Major Home Updates or Advancements$177$167,400

The dwelling coverage is calculated by the average cost per square foot ($118) in Hustonville, Kentucky times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $368,750 (Media price to build of $148 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.