Home Insurance Quotes in 42027!

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42027 Home Insurance Rates

Getting multiple homeowners insurance rates in 42027 is the best way to review and compare all the coverage options available for you, your home and your family. Our homeowners rates are very competitive for homeowners living in the great city of Boaz, KY. Many homeowners based out of the 42027 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. We can compare up to 12 competitive home insurance rates for you all in one place. Plus, our home insurance quotes are free and our Kentucky licensed home insurance professionals can provide a free consultation service to you that allows you to ask questions about which policy and coverage package is best for you. To get free home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 42027 should appear in the zip code field ready to go. For Boaz, KY Home Insurance Quotes, Click to easily get started!

42027 Homeowners Insurance Rates, Average Rating: Medium!

Your homeowners insurance policy in 42027 consists of both property and casualty insurance coverage. This type of policy will insure your home against a variety of risks, including fire, theft and windstorm damage. Additional protection is also included in most policies that offer liability coverage against accidents that may injure other people on your property in Boaz. For a basic HO-3, standard homeowners policy, the average premium per year in Kentucky is around $883. By shopping your home insurance with us at GetHomeInsuranceQuotes.com, we can help you compare the most affordable rates and enhanced coverage options. Please enter your 42027 zip code today and let us help you save time and money on your homeowners insurance premium.

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42027 Home Insurance Average Premiums

$633 /yr.

For the 42027, 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.

What is the average home insurance cost for a home in 42027?

What does it cost on average per month for home insurance in 42027?

What kind of discount could I get if I combine my home and auto insurance together in 42027?

For shopping home insurance rates within the Boaz area, check out other zip codes nearby 42027. Review average rates in another zip code: 42027 homeowners insurance rates

Home Replacement Cost Coverage in 42027

Average Building Cost Per Square Foot in 42027: $118

Average Square Footage in 42027: 1,308 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 42027 before you start any project. Boaz 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 42027 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 42027 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,308 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 Boaz 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.

It's important to understand that when you estimate your replacement cost of your home in the 42027 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 42027

Best Home & Auto Insurance Agencies in 42027

Housing Demographics for 42027

For the city of Boaz, the population within 42027 has increased to over 2,325 residents in population size. The current population total is 2,202. We have broken down the population based on race below. In 42027, there are over 1169 in male population and 1033 females.

The average number of homes in 42027 is around 900, there are an average of 2.44 per household. The average house value according to local real estate values is around $154,400. Please review the following demographics below for average income and media age.

Kentucky Homeowners Insurance News & Information

While the odds of a major disaster hitting a specific home is the same regardless of whether the owner has a great credit score or one that puts them in a subprime category, their credit score will impact their rate in many states.  In most states, insurers are allowed to consider credit scores when setting […]

If you are switching insurance companies, you should always check the financial strength of any insurer you are seriously considering. While an affordable premium is always a plus, if your insurance company cannot afford to pay when you file a claim, the savings will certainly not be worth it.  A.M. Best is a credit rating […]

A bill in the U.S. House called the Natural Disaster Reinsurance Plan, hopes to lower insurance costs for policyholders in states that opt-in to the program which will scale back the requirements regarding the amount of reinsurance that insurance companies need to purchase.  Currently, a Broward commissioner is asking Congress to pass legislation he claims […]

42027 Household Information

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