Gavop shows you how to buy homeowners insurance in McCreary County, 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 | $35,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $71,000 | $70,000 | $75,000-$100,000 |
| 3 Bedroom | $103,500 | $90,000 | $75,000-$100,000 |
| 4 Bedroom | $172,500 | $150,000 | $200,000-$250,000 |
| 5 Bedroom | $206,500 | $170,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$120 | $738 |
| Superior Protection Discount | -$77 | $781 |
| Fire & Security Discount | -$60 | $798 |
| Hail Resistant Roof Discount | -$26 | $832 |
| Newly Constructed Home Discount | -$180 | $678 |
| 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 |
| McCreary County | $1,000 | $848 | $1,848 | $616 | $1,616 | $232 |
| McCreary County, KY | $2,000 | $848 | $2,848 | $616 | $2,616 | $232 |
| Parkers Lake, KY | $300 | $587 | $887 | $426 | $726 | $160 |
| Gregory, KY | $1,000 | $580 | $1,580 | $421 | $1,421 | $158 |
| Oneida, TN | $500 | $848 | $1,348 | $616 | $1,116 | $232 |
| Mill Springs, KY | $2,000 | $780 | $2,780 | $567 | $2,567 | $213 |
| Science Hill, KY | $1,000 | $823 | $1,823 | $598 | $1,598 | $225 |
| London, KY | $200 | $721 | $921 | $524 | $724 | $197 |
| Sunbright, TN | $1,000 | $884 | $1,884 | $643 | $1,643 | $242 |
| Clinton County, KY | $400 | $579 | $979 | $421 | $821 | $158 |
| Dewitt, KY | $1,500 | $470 | $1,970 | $342 | $1,842 | $129 |
| Home Insurance Company McCreary County, KY | Homeowners Insurance Agency McCreary County, KY | Address | Popularity Score | Distance from McCreary County (miles) |
|---|---|---|---|---|
| Travelers | First Insurance Group | 2520 S Hwy 27, Somerset, KY, 42501 | 23.7 | |
| State Farm | Chad Smallwood | 645 S Highway 27 Ste 6, Somerset, KY, 42501-3507 | 25.4 | |
| State Farm | Wade Flowers | 235 Keen St, Burkesville, KY, 42717 | 49.0 | |
| Travelers | First Insurance Group | 2520 S Highway 27, Somerset, KY, 42501 | 25.3 | |
| Allstate | Charles Cromer | 705 W Highway 80, Somerset, KY, 42503 | 26.1 | |
| State Farm | Chad Shannon | 473 N 12th St, Middlesboro, KY, 40965-1133 | 44.5 | |
| Allstate | Kelly Horseman | 312b Sallee St, Somerset, KY, 42501 | 25.2 | |
| Travelers | Mathis Insurance Agency Inc | 1340 S Hwy 27 Ste A, Somerset, KY, 42501 | 24.7 | |
| State Farm | Tom Blair | 515 Master St, Corbin, KY, 40701-1055 | 27.0 | |
| Travelers | Davis Insurance Agency | 6040 North Highway 127, Albany, KY, 42602 | 37.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $610 | $1,240 | $630 |
| McCreary County, KY | $61,300 | $858 | $620 | $1,180 | $560 |
| McCreary County, KY | $61,300 | $858 | $630 | $1,230 | $600 |
| Parkers Lake, KY | $59,300 | $594 | $420 | $840 | $420 |
| Gregory, KY | $58,100 | $587 | $390 | $830 | $440 |
| Oneida, TN | $96,900 | $858 | $630 | $1,230 | $600 |
| Mill Springs, KY | $100,900 | $789 | $560 | $1,110 | $550 |
| Science Hill, KY | $112,000 | $833 | $570 | $1,190 | $620 |
| London, KY | $122,100 | $730 | $490 | $1,030 | $540 |
| Sunbright, TN | $106,300 | $895 | $640 | $1,240 | $600 |
| Clinton County, KY | $66,100 | $586 | $420 | $800 | $380 |
| Dewitt, KY | $39,100 | $476 | $340 | $680 | $340 |