Gavop shows you how to buy homeowners insurance in Russell 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.
| Russell County, KY - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Roy Dr, State Hwy 92, Summer Ln, Tonkin Dr, Dogwood Ln, P Harris Rd, Richardson Rd, Lorel Dunbar Ln, Hughes Ln, Carlos Foley Rd | $122,000 | $100,000 | $100,000-$125,000 | $58,500 | $50,000 | $50,000-$75,000 |
| Jenny Ln, Fox Ln, Patterson Rd, Crockett Rd, Sims Ave, High St, Little Lisa Ln, Horseshoe Dr, Brady Ln, K Lg Dr | $123,500 | $120,000 | $125,000-$150,000 | $102,500 | $90,000 | $75,000-$100,000 |
| Harbor Springs Rd, Marybelle Cir, Woodland Dr, Russell Dr, Luda St, Lily Creek Resort Rd, College St, Brown Rd, Johnny Bernard Loop, Cameron Show Rd | $126,000 | $120,000 | $100,000-$125,000 | $61,500 | $50,000 | $50,000-$75,000 |
| Charles Simpson Rd, Florence Dr, State Hwy 1058, State Hwy 55, W Cumberland Ave, Andrea Ln, Grider Rd, Big Springs Estates 2, Blankenship Rd, Tola Ln | $126,500 | $110,000 | $125,000-$150,000 | $88,500 | $70,000 | $75,000-$100,000 |
| Johnson Rd, Bobbyu Elannigan Rd, L Gaskin Rd, State Hwy 1611, McKinney St, Indian Trail Rd, Rippetoe Ct, Bolin Rd, J S Wilson Rd, Chapman Rd | $107,500 | $100,000 | $100,000-$125,000 | $70,000 | $60,000 | $50,000-$75,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$61 | $619 |
| Home and Two Car | -$109 | $572 |
| Home and Three Car | -$163 | $517 |
| 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 |
| Russell County | $2,000 | $673 | $2,673 | $489 | $2,489 | $184 |
| Russell County, KY | $2,000 | $673 | $2,673 | $489 | $2,489 | $184 |
| White Oak, KY | $300 | $657 | $957 | $477 | $777 | $180 |
| Wayne County, KY | $1,500 | $648 | $2,148 | $471 | $1,971 | $177 |
| Clementsville, KY | $500 | $762 | $1,262 | $554 | $1,054 | $208 |
| Parkers Lake, KY | $1,000 | $587 | $1,587 | $426 | $1,426 | $160 |
| Hustonville, KY | $300 | $633 | $933 | $460 | $760 | $173 |
| Lebanon, KY | $700 | $645 | $1,345 | $469 | $1,169 | $176 |
| Stearns-Whitley City, KY | $100 | $855 | $955 | $621 | $721 | $234 |
| Monroe County, KY | $1,000 | $617 | $1,617 | $449 | $1,449 | $169 |
| Temple Hill, KY | $200 | $774 | $974 | $562 | $762 | $211 |
| Helenwood, TN | $1,500 | $1,037 | $2,537 | $754 | $2,254 | $284 |
| Home Insurance Company Russell County, KY | Homeowners Insurance Agency Russell County, KY | Address | Popularity Score | Distance from Russell County (miles) |
|---|---|---|---|---|
| Travelers | First Insurance Group | 2520 S Hwy 27, Somerset, KY, 42501 | 24.5 | |
| State Farm | Charlie Haydon | 130 W Depot St, Springfield, KY, 40069-1159 | 48.8 | |
| State Farm | Erica Barnes | 511 W Main St, Lebanon, KY, 40033-1338 | 41.3 | |
| Travelers | The Lancaster Agency Inc | 121 E Main St, Lebanon, KY, 40033 | 41.5 | |
| State Farm | Chris Cornelius | 400 Carrigan Dr, Danville, KY, 40422-2402 | 46.4 | |
| State Farm | Chris Short | 305 Happy Valley Rd, Glasgow, KY, 42141-1535 | 47.1 | |
| Travelers | Calvert & Nunn Insurance Inc | 121 E Main St, Glasgow, KY, 42141 | 47.1 | |
| Allstate | Amy Hazlett | 216 Skywatch Dr, Danville, KY, 40422 | 45.9 | |
| Allstate | The Ruth Hagan Insurance Agency | 101 W Main St, Lebanon, KY, 40033 | 41.4 | |
| Allstate | Bennett Insurance Group | 4295 Burkesville Rd, Columbia, KY, 42728 | 16.5 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $610 | $1,230 | $620 |
| Russell County, KY | $87,300 | $681 | $490 | $970 | $480 |
| Russell County, KY | $87,300 | $681 | $460 | $970 | $510 |
| White Oak, KY | $73,100 | $665 | $480 | $940 | $460 |
| Wayne County, KY | $81,400 | $656 | $450 | $900 | $450 |
| Clementsville, KY | $96,300 | $771 | $550 | $1,090 | $540 |
| Parkers Lake, KY | $59,300 | $594 | $430 | $850 | $420 |
| Hustonville, KY | $94,400 | $641 | $440 | $920 | $480 |
| Lebanon, KY | $97,800 | $653 | $450 | $930 | $480 |
| Stearns-Whitley City, KY | $58,000 | $866 | $620 | $1,190 | $570 |
| Monroe County, KY | $74,500 | $625 | $440 | $860 | $420 |
| Temple Hill, KY | $99,200 | $783 | $540 | $1,070 | $530 |
| Helenwood, TN | $154,000 | $1,050 | $750 | $1,500 | $750 |