Gavop's guide to buying homeowners insurance in Franklin County, KY covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Newly Constructed Home | -$258 | $631 |
| 30 year old | +$13 | $902 |
| 40 year old | +$23 | $912 |
| 50 year old | +$34 | $923 |
| Above 50 year old | +$43 | $932 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$160 | $729 |
| Superior Protection Discount | -$89 | $800 |
| Fire & Security Discount | -$89 | $800 |
| Hail Resistant Roof Discount | -$27 | $862 |
| Newly Constructed Home Discount | -$222 | $667 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Franklin County | $2,000 | $878 | $2,878 | $638 | $2,638 | $240 |
| Franklin County, KY | $2,000 | $878 | $2,878 | $638 | $2,638 | $240 |
| Gratz, KY | $200 | $460 | $660 | $335 | $535 | $126 |
| Lexington-Fayette Southwest, KY | $2,000 | $1,108 | $3,108 | $805 | $2,805 | $303 |
| Keene, KY | $100 | $1,015 | $1,115 | $738 | $838 | $277 |
| Nicholasville, KY | $1,000 | $900 | $1,900 | $654 | $1,654 | $246 |
| Rolling Hills, KY | $200 | $975 | $1,175 | $709 | $909 | $266 |
| Houston Acres, KY | $2,500 | $1,008 | $3,508 | $732 | $3,232 | $275 |
| Hillview, KY | $400 | $701 | $1,101 | $510 | $910 | $192 |
| Rabbit Hash, KY | $1,500 | $1,128 | $2,628 | $820 | $2,320 | $308 |
| Ohio County, IN | $400 | $731 | $1,131 | $531 | $931 | $200 |
| Home Insurance Company Franklin County, KY | Homeowners Insurance Agency Franklin County, KY | Address | Popularity Score | Distance from Franklin County (miles) |
|---|---|---|---|---|
| Allstate | Sean Shah | 800 E Main St, Frankfort, KY, 40601 | 2.5 | |
| State Farm | Brenda Harris | 114 Thompson St, Frankfort, KY, 40601-3206 | 2.8 | |
| State Farm | Robert Wiggins Jr | 1313 Lyndon Ln Ste 116, Louisville, KY, 40222-7301 | 40.6 | |
| State Farm | Terryl Mccray | 1827 W Broadway, Louisville, KY, 40203-3547 | 49.7 | |
| Travelers | Bb&T Insurance Services | 2600 Eastpoint Pkwy, Louisville, KY, 40223 | 34.9 | |
| State Farm | Bethany Hicks | 1050 Chinoe Rd Ste 100, Lexington, KY, 40502-6571 | 26.7 | |
| Travelers | Allison & Damron Insurance | 601 Taylor Ave, Frankfort, KY, 40601 | 2.9 | |
| State Farm | Bob Mayhugh | 10116 Taylorsville Rd, Louisville, KY, 40299-3623 | 38.2 | |
| Travelers | Krol Insurance Agency | 109 St Clair St, Frankfort, KY, 40602 | 2.7 | |
| State Farm | Duane Riley | 7707 Bardstown Rd, Louisville, KY, 40291-3206 | 39.3 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $600 | $1,230 | $630 |
| Franklin County, KY | $139,300 | $889 | $650 | $1,270 | $620 |
| Franklin County, KY | $139,300 | $889 | $650 | $1,250 | $600 |
| Gratz, KY | $37,500 | $466 | $310 | $660 | $350 |
| Lexington-Fayette Southwest, KY | $215,100 | $1,121 | $750 | $1,580 | $830 |
| Keene, KY | $435,100 | $1,027 | $750 | $1,470 | $720 |
| Nicholasville, KY | $146,600 | $911 | $610 | $1,290 | $680 |
| Rolling Hills, KY | $159,900 | $987 | $720 | $1,410 | $690 |
| Houston Acres, KY | $172,500 | $1,020 | $740 | $1,440 | $700 |
| Hillview, KY | $115,200 | $710 | $520 | $1,010 | $490 |
| Rabbit Hash, KY | $225,000 | $1,142 | $820 | $1,560 | $740 |
| Ohio County, IN | $142,400 | $740 | $500 | $1,020 | $520 |