Gavop's guide to buying homeowners insurance in Union, 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 |
|---|---|---|---|
| 2 Bedroom | $187,000 | $170,000 | $200,000-$250,000 |
| 3 Bedroom | $178,500 | $160,000 | $200,000-$250,000 |
| 4 Bedroom | $233,500 | $210,000 | $250,000-$300,000 |
| 5 Bedroom | $443,000 | $390,000 | $400,000-$500,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$68 | $782 |
| Home and Two Car | -$144 | $705 |
| Home and Three Car | -$204 | $646 |
| 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 |
| Boone County | $2,500 | $963 | $3,463 | $700 | $3,200 | $263 |
| Union, KY | $1,500 | $839 | $2,339 | $610 | $2,110 | $229 |
| Cold Spring, KY | $100 | $888 | $988 | $645 | $745 | $243 |
| Newport-Fort Thomas, KY | $1,000 | $952 | $1,952 | $692 | $1,692 | $260 |
| Elmwood Place, OH | $100 | $475 | $575 | $345 | $445 | $130 |
| Craig, IN | $1,000 | $799 | $1,799 | $581 | $1,581 | $218 |
| Sixteen Mile Stand, OH | $400 | $1,183 | $1,583 | $859 | $1,259 | $323 |
| Owensville, OH | $1,500 | $671 | $2,171 | $488 | $1,988 | $183 |
| Milton, IN | $400 | $798 | $1,198 | $580 | $980 | $218 |
| Ripley County, IN | $2,500 | $725 | $3,225 | $527 | $3,027 | $198 |
| New Castle, KY | $300 | $912 | $1,212 | $663 | $963 | $249 |
| Fayetteville, OH | $2,000 | $643 | $2,643 | $467 | $2,467 | $176 |
| Home Insurance Company Union, KY | Homeowners Insurance Agency Union, KY | Address | Popularity Score | Distance from Union (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Gartman Insurance Agency Inc | 495 Erlanger Rd Ste 104, Erlanger, KY, 41018 | 6.4 | |
| Erie | Mansfield Insurance Agency Inc. | 2940 Hebron Park Drive Suite 202, Hebron, KY, 41048 | 8.6 | |
| State Farm | John Hoffman | 2156 Declaration Dr, Independence, KY, 41051-7034 | 6.9 | |
| Travelers | Garner Insurance Agency | 7430 Us 42 Ste 207, Florence, KY, 41042 | 4.0 | |
| State Farm | Joel Bergantino | 2087 Centennial Blvd, Independence, KY, 41051-7042 | 7.2 | |
| Allstate | Tonya Sharp Staten | 2091 N Bend Rd Ste 140, Hebron, KY, 41048 | 9.9 | |
| Allstate | Hans Philippo | 7138 Price Pike, Florence, KY, 41042 | 4.5 | |
| State Farm | Ed Schadler | 998 Dudley Pike, Edgewood, KY, 41017-8174 | 9.2 | |
| State Farm | Larry Snowden | 3126 Dixie Hwy Ste 1, Erlanger, KY, 41018-1866 | 6.7 | |
| Allstate | Jenni Ballard | 619 Buttermilk Pike, Crescent Springs, KY, 41017 | 8.9 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $650 | $1,270 | $620 |
| Boone County, KY | $183,700 | $975 | $700 | $1,350 | $650 |
| Union, KY | $249,400 | $850 | $610 | $1,160 | $550 |
| Cold Spring, KY | $193,000 | $899 | $610 | $1,270 | $660 |
| Newport-Fort Thomas, KY | $151,700 | $964 | $670 | $1,360 | $690 |
| Elmwood Place, OH | $56,000 | $481 | $350 | $670 | $320 |
| Craig, IN | $117,500 | $809 | $540 | $1,120 | $580 |
| Sixteen Mile Stand, OH | $385,600 | $1,197 | $830 | $1,710 | $880 |
| Owensville, OH | $121,000 | $679 | $450 | $960 | $510 |
| Milton, IN | $117,200 | $808 | $560 | $1,140 | $580 |
| Ripley County, IN | $139,500 | $733 | $500 | $1,020 | $520 |
| New Castle, KY | $138,300 | $923 | $660 | $1,310 | $650 |
| Fayetteville, OH | $109,800 | $651 | $460 | $900 | $440 |