Gavop's guide to buying homeowners insurance in Irvine, 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $38,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $77,500 | $70,000 | $75,000-$100,000 |
| 3 Bedroom | $159,000 | $140,000 | $125,000-$150,000 |
| 4 Bedroom | $161,000 | $130,000 | $150,000-$175,000 |
| 5 Bedroom | $304,500 | $280,000 | $300,000-$350,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$48 | $551 |
| Home and Two Car | -$102 | $497 |
| Home and Three Car | -$150 | $449 |
| 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 |
| Estill County | $1,000 | $602 | $1,602 | $437 | $1,437 | $164 |
| Irvine, KY | $700 | $592 | $1,292 | $430 | $1,130 | $162 |
| Madison County, KY | $400 | $912 | $1,312 | $663 | $1,063 | $249 |
| Mount Sterling, KY | $700 | $742 | $1,442 | $539 | $1,239 | $203 |
| Sturgeon, KY | $200 | $560 | $760 | $407 | $607 | $153 |
| Livingston, KY | $2,500 | $565 | $3,065 | $411 | $2,911 | $154 |
| Lancaster, KY | $100 | $681 | $781 | $495 | $595 | $186 |
| Bourbon County, KY | $1,000 | $783 | $1,783 | $569 | $1,569 | $214 |
| Oneida, KY | $300 | $506 | $806 | $368 | $668 | $138 |
| Greenmount-Langnau, KY | $2,000 | $707 | $2,707 | $514 | $2,514 | $193 |
| Woodford County, KY | $200 | $879 | $1,079 | $639 | $839 | $240 |
| Hardshell, KY | $700 | $441 | $1,141 | $320 | $1,020 | $120 |
| Home Insurance Company Irvine, KY | Homeowners Insurance Agency Irvine, KY | Address | Popularity Score | Distance from Irvine (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Woodford Hill Thompson | 500 Main St, Paris, KY, 40361 | 33.6 | |
| Liberty Mutual Independent | Nicholson Insurance Agency Inc | 1001 Monarch St Ste 100, Lexington, KY, 40513 | 35.4 | |
| Liberty Mutual Independent | The Randolph Scott Insurance Agency | 1025 Dove Run Rd Ste 302, Lexington, KY, 40502 | 31.6 | |
| Travelers | Professional Insurance Plans | 3197 Brighton Place Dr, Lexington, KY, 40509 | 28.6 | |
| Liberty Mutual Independent | Linville Insurance Agency | 302 Richmond Rd, Berea, KY, 40403 | 20.7 | |
| State Farm | Brad Lacefield | 211 N Main St, Versailles, KY, 40383-1266 | 44.9 | |
| Allstate | Terrill Williams | 2465 Nicholasville Rd Ste A, Lexington, KY, 40503 | 33.0 | |
| State Farm | Marc Cammack | 930 Us Highway 27 S Ste 2, Cynthiana, KY, 41031-5992 | 45.4 | |
| State Farm | Don Mills | 130 E Main St Ste 4, Richmond, KY, 40475-1653 | 16.6 | |
| State Farm | Mike Brownell | 503 Darby Creek Rd Ste 15, Lexington, KY, 40509-1603 | 29.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $650 | $1,250 | $600 |
| Estill County, KY | $71,000 | $609 | $440 | $860 | $420 |
| Irvine, KY | $68,900 | $599 | $400 | $860 | $460 |
| Madison County, KY | $151,000 | $924 | $620 | $1,300 | $680 |
| Mount Sterling, KY | $129,400 | $751 | $530 | $1,070 | $540 |
| Sturgeon, KY | $54,400 | $567 | $400 | $780 | $380 |
| Livingston, KY | $55,400 | $572 | $390 | $790 | $400 |
| Lancaster, KY | $108,700 | $689 | $480 | $960 | $480 |
| Bourbon County, KY | $144,900 | $793 | $580 | $1,090 | $510 |
| Oneida, KY | $45,000 | $512 | $350 | $730 | $380 |
| Greenmount-Langnau, KY | $83,900 | $716 | $520 | $1,010 | $490 |
| Woodford County, KY | $188,200 | $890 | $640 | $1,250 | $610 |
| Hardshell, KY | $34,300 | $446 | $330 | $630 | $300 |