Gavop shows you how to buy homeowners insurance in Jackson 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 | $38,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $62,500 | $50,000 | $50,000-$75,000 |
| 3 Bedroom | $113,500 | $90,000 | $100,000-$125,000 |
| 4 Bedroom | $105,500 | $90,000 | $75,000-$100,000 |
| 5 Bedroom | $225,500 | $180,000 | $200,000-$250,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$54 | $549 |
| Home and Two Car | -$97 | $507 |
| Home and Three Car | -$145 | $459 |
| 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 |
| Jackson County | $2,500 | $596 | $3,096 | $433 | $2,933 | $163 |
| Jackson County, KY | $1,500 | $596 | $2,096 | $433 | $1,933 | $163 |
| East Bernstadt, KY | $300 | $610 | $910 | $443 | $743 | $167 |
| Lee County, KY | $1,000 | $613 | $1,613 | $445 | $1,445 | $167 |
| Beattyville, KY | $200 | $611 | $811 | $444 | $644 | $167 |
| Kirksville, KY | $700 | $1,080 | $1,780 | $785 | $1,485 | $295 |
| Corbin, KY | $500 | $674 | $1,174 | $490 | $990 | $184 |
| Pulaski County, KY | $2,500 | $788 | $3,288 | $572 | $3,072 | $215 |
| Jessamine County, KY | $1,000 | $948 | $1,948 | $689 | $1,689 | $259 |
| Hazard, KY | $400 | $644 | $1,044 | $468 | $868 | $176 |
| Ezel, KY | $1,000 | $716 | $1,716 | $521 | $1,521 | $196 |
| Home Insurance Company Jackson County, KY | Homeowners Insurance Agency Jackson County, KY | Address | Popularity Score | Distance from Jackson County (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Cambridge Insurance | 2300 Regency Rd, Lexington, KY, 40503 | 49.9 | |
| State Farm | Stewart Perry | 2128 Nicholasville Road, Lexington, KY, 40503 | 49.9 | |
| Allstate | Charles Cromer | 705 W Highway 80, Somerset, KY, 42503 | 40.4 | |
| Erie | Jeff Hutchison Insurance Services | 121 Prosperous Place Suite 9b, Lexington, KY, 40509 | 47.3 | |
| Liberty Mutual Independent | The Randolph Scott Insurance Agency | 1025 Dove Run Rd Ste 302, Lexington, KY, 40502 | 48.4 | |
| Allstate | Asa Pham | 169 E Reynolds Rd Ste 104, Lexington, KY, 40517 | 48.9 | |
| Allstate | Derrick Hensley | 219 Prince Royal Dr Ste 14, Berea, KY, 40403 | 19.7 | |
| Allstate | Andrew Strother | 4384 Clearwater Way Ste 130, Lexington, KY, 40515 | 46.6 | |
| State Farm | Bethany Hicks | 1050 Chinoe Rd Ste 100, Lexington, KY, 40502-6571 | 48.1 | |
| State Farm | Gina Hopper | 115 N Locust Hill Dr Ste 107, Lexington, KY, 40509-1517 | 47.5 |
| 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 |
| Jackson County, KY | $69,900 | $604 | $430 | $860 | $430 |
| Jackson County, KY | $69,900 | $604 | $430 | $830 | $400 |
| East Bernstadt, KY | $72,800 | $618 | $440 | $870 | $430 |
| Lee County, KY | $64,200 | $620 | $440 | $850 | $410 |
| Beattyville, KY | $63,900 | $618 | $440 | $860 | $420 |
| Kirksville, KY | $202,700 | $1,093 | $790 | $1,540 | $750 |
| Corbin, KY | $106,600 | $682 | $460 | $940 | $480 |
| Pulaski County, KY | $109,100 | $797 | $580 | $1,130 | $550 |
| Jessamine County, KY | $164,300 | $959 | $660 | $1,350 | $690 |
| Hazard, KY | $80,600 | $652 | $450 | $930 | $480 |
| Ezel, KY | $85,900 | $725 | $500 | $1,030 | $530 |