Gavop shows you how to buy homeowners insurance in Columbia, KY by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $34,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $106,500 | $100,000 | $75,000-$100,000 |
| 3 Bedroom | $118,000 | $100,000 | $125,000-$150,000 |
| 4 Bedroom | $166,500 | $150,000 | $150,000-$175,000 |
| 5 Bedroom | $121,000 | $100,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$117 | $535 |
| Superior Protection Discount | -$65 | $587 |
| Fire & Security Discount | -$46 | $606 |
| Hail Resistant Roof Discount | -$20 | $632 |
| Newly Constructed Home Discount | -$150 | $502 |
| 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 |
| Adair County | $2,000 | $666 | $2,666 | $484 | $2,484 | $182 |
| Columbia, KY | $2,500 | $644 | $3,144 | $468 | $2,968 | $176 |
| Adair County, KY | $200 | $666 | $866 | $484 | $684 | $182 |
| Cane Valley, KY | $2,000 | $798 | $2,798 | $580 | $2,580 | $218 |
| Bradfordsville, KY | $500 | $703 | $1,203 | $511 | $1,011 | $192 |
| Monroe County, KY | $700 | $617 | $1,317 | $449 | $1,149 | $169 |
| Gregory, KY | $300 | $580 | $880 | $421 | $721 | $158 |
| Tracy, KY | $1,000 | $809 | $1,809 | $588 | $1,588 | $221 |
| Munfordville, KY | $100 | $763 | $863 | $554 | $654 | $208 |
| Park City, KY | $1,000 | $662 | $1,662 | $481 | $1,481 | $181 |
| Bonnieville, KY | $200 | $692 | $892 | $503 | $703 | $189 |
| Mammoth Cave, KY | $700 | $735 | $1,435 | $534 | $1,234 | $201 |
| Home Insurance Company Columbia, KY | Homeowners Insurance Agency Columbia, KY | Address | Popularity Score | Distance from Columbia (miles) |
|---|---|---|---|---|
| State Farm | Charlie Haydon | 130 W Depot St, Springfield, KY, 40069-1159 | 41.6 | |
| State Farm | Erica Barnes | 511 W Main St, Lebanon, KY, 40033-1338 | 33.3 | |
| State Farm | Chris Cornelius | 400 Carrigan Dr, Danville, KY, 40422-2402 | 47.3 | |
| State Farm | Todd Conley | 257 Bluebird Ln Ste 1, Greensburg, KY, 42743-1476 | 16.7 | |
| Allstate | Kelly Horseman | 312b Sallee St, Somerset, KY, 42501 | 38.2 | |
| Allstate | The Ruth Hagan Insurance Agency | 101 W Main St, Lebanon, KY, 40033 | 33.6 | |
| Allstate | Bennett Insurance Group | 4295 Burkesville Rd, Columbia, KY, 42728 | 2.4 | |
| Travelers | La Rue Insurance Inc | 54 Lincoln Square, Hodgenville, KY, 42748 | 41.4 | |
| Travelers | La Rue Insurance Inc | 54 Lincoln Square, Hodgenville, KY, 42748 | 41.4 | |
| Travelers | Glass & Thompson | 1006 W Stockton St, Edmonton, KY, 42129 | 19.2 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $600 | $1,270 | $670 |
| Adair County, KY | $85,900 | $674 | $490 | $940 | $450 |
| Columbia, KY | $97,600 | $652 | $460 | $890 | $430 |
| Adair County, KY | $85,900 | $674 | $460 | $960 | $500 |
| Cane Valley, KY | $105,500 | $808 | $560 | $1,120 | $560 |
| Bradfordsville, KY | $83,000 | $712 | $490 | $1,000 | $510 |
| Monroe County, KY | $74,500 | $625 | $430 | $890 | $460 |
| Gregory, KY | $58,100 | $587 | $410 | $820 | $410 |
| Tracy, KY | $108,400 | $819 | $560 | $1,130 | $570 |
| Munfordville, KY | $96,700 | $772 | $520 | $1,100 | $580 |
| Park City, KY | $74,200 | $670 | $460 | $920 | $460 |
| Bonnieville, KY | $80,400 | $700 | $510 | $1,000 | $490 |
| Mammoth Cave, KY | $90,000 | $744 | $540 | $1,060 | $520 |