Gavop's guide to buying homeowners insurance in Frankfort, 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.
| Frankfort, 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 | |
| H M B Cir, Cardinal Ave, Fiesta Way, W Todd St, Locust Ave, Driftwood Ln, State Hwy 1659, Polo Ln, Crittenden Rd, Doctors Dr | $207,000 | $190,000 | $175,000-$200,000 | $192,000 | $160,000 | $175,000-$200,000 |
| Morehead Dr, Strathmore Dr, Algonquin Trl, Minuteman Pkwy, Old Hwy 151 Loop 2, State Hwy 12, Harp Pike, Aldridge Ct, Norton St, Collins St | $179,000 | $170,000 | $175,000-$200,000 | $84,500 | $70,000 | $75,000-$100,000 |
| Shaw Ln, Choctaw Trl, Sharon Rd, Ashland Dr, King Eider Ct, Man O War Cir, Entrada Dr, Portsmouth Ln, Waterford Cir, Heartwood Ln | $213,000 | $180,000 | $175,000-$200,000 | $108,000 | $100,000 | $100,000-$125,000 |
| Cheek St, Shadrick Ferry Rd, Berkley Ln, Old Lawrenceburg Rd, Conway St, Wisteria Ln, Hollow Creek Dr, McKenzie St, Buttonwood Way, Bridgeport Rd | $271,500 | $240,000 | $250,000-$300,000 | $137,000 | $120,000 | $150,000-$175,000 |
| Deerland Dr, Meadowview Dr, Cedar Creek Dr, Finish Line Way, Hillwood Ave, Clem Rd, Mereworth St, Tanglewood Dr, Peaks Mill Rd, Stable Ln | $191,500 | $170,000 | $200,000-$250,000 | $89,000 | $80,000 | $75,000-$100,000 |
| Winding Way Dr, Old Lawrenceburg Rd, Hackberry Ct, Livingston Ln, Pin Oak Sq, State Hwy 1472, Mallard Dr, Fallen Ct, Ann St, Lewis Ln | $216,500 | $190,000 | $200,000-$250,000 | $103,000 | $100,000 | $75,000-$100,000 |
| Appomattox Dr, Millie Dr, Carla Ct, Fawn Dr, Helm Ct, Taylor Ave, Ute Trl, Hilltop Dr, Harrodswood Rd, Quarles Ct | $142,000 | $120,000 | $125,000-$150,000 | $111,500 | $90,000 | $100,000-$125,000 |
| State Hwy 368, Plaza Dr, Arbor View Dr, Woodburn St, Anderson Rd, State Hwy 1005, Lyons Ct, Skipper Dr, Lewis St, Botkins Ln | $180,500 | $140,000 | $150,000-$175,000 | $136,000 | $130,000 | $150,000-$175,000 |
| Blackfoot Trl, Whitebridge Ln, Inca Trl, Deer Hvn, Willow Run Ct, Stonehaven Dr, Snavely Rd, State Hwy 420, Valley Brook Dr, Bonnycastle Dr | $155,500 | $140,000 | $150,000-$175,000 | $177,000 | $160,000 | $150,000-$175,000 |
| White Oak, Lyons Dr, Donalynn Dr, Farmbrook Cir, Crittenden Ave, Palisades Dr, W State St, Cherokee Trl, Huntington Woods Rd, Coolbrook Dr | $115,500 | $100,000 | $125,000-$150,000 | $145,000 | $120,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$134 | $757 |
| Superior Protection Discount | -$80 | $811 |
| Fire & Security Discount | -$62 | $829 |
| Hail Resistant Roof Discount | -$27 | $864 |
| Newly Constructed Home Discount | -$241 | $650 |
| 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 |
| Franklin County | $2,500 | $878 | $3,378 | $638 | $3,138 | $240 |
| Frankfort, KY | $2,000 | $880 | $2,880 | $640 | $2,640 | $241 |
| Harrisonville, KY | $400 | $908 | $1,308 | $660 | $1,060 | $248 |
| Willisburg, KY | $2,000 | $730 | $2,730 | $531 | $2,531 | $200 |
| Lexington-Fayette Northeast, KY | $500 | $1,068 | $1,568 | $776 | $1,276 | $292 |
| New Liberty, KY | $1,000 | $747 | $1,747 | $543 | $1,543 | $204 |
| Mackville, KY | $500 | $756 | $1,256 | $549 | $1,049 | $207 |
| Cottonburg-Valley View, KY | $1,500 | $790 | $2,290 | $574 | $2,074 | $216 |
| Sycamore, KY | $200 | $900 | $1,100 | $654 | $854 | $246 |
| Bellemeade, KY | $1,000 | $1,142 | $2,142 | $830 | $1,830 | $312 |
| Perryville, KY | $200 | $944 | $1,144 | $686 | $886 | $258 |
| Madison, IN | $700 | $679 | $1,379 | $493 | $1,193 | $186 |
| Home Insurance Company Frankfort, KY | Homeowners Insurance Agency Frankfort, KY | Address | Popularity Score | Distance from Frankfort (miles) |
|---|---|---|---|---|
| State Farm | Daniel Byrd | 331 Versailles Rd, Frankfort, KY, 40601-3646 | 2.2 | |
| State Farm | Erika Hancock | 410 Kings Daughters Dr, Frankfort, KY, 40601-6533 | 3.4 | |
| Travelers | Harris Insurance Inc | 335 Frankfort Rd, Shelbyville, KY, 40065 | 18.0 | |
| Allstate | Dan Mangeot | 1923 Woodbourne Ave, Louisville, KY, 40205 | 44.7 | |
| State Farm | Brad Lacefield | 211 N Main St, Versailles, KY, 40383-1266 | 12.6 | |
| Allstate | Brian Taylor | 2920 Brownsboro Rd Ste B, Louisville, KY, 40206 | 44.6 | |
| State Farm | Joe Bell Jr | 4016 Preston Hwy, Louisville, KY, 40213-1612 | 46.7 | |
| Allstate | Robin Wade | 10341 Linn Station Rd, Louisville, KY, 40223 | 37.8 | |
| Liberty Mutual Independent | The Underwriters Group | 1700 Eastpoint Pkwy, Louisville, KY, 40223 | 34.7 | |
| State Farm | Mike Brownell | 503 Darby Creek Rd Ste 15, Lexington, KY, 40509-1603 | 27.4 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $610 | $1,260 | $650 |
| Franklin County, KY | $139,300 | $889 | $600 | $1,260 | $660 |
| Frankfort, KY | $139,900 | $891 | $650 | $1,270 | $620 |
| Harrisonville, KY | $203,300 | $919 | $650 | $1,300 | $650 |
| Willisburg, KY | $88,900 | $739 | $510 | $1,010 | $500 |
| Lexington-Fayette Northeast, KY | $197,700 | $1,081 | $790 | $1,550 | $760 |
| New Liberty, KY | $92,900 | $756 | $510 | $1,050 | $540 |
| Mackville, KY | $95,000 | $765 | $540 | $1,060 | $520 |
| Cottonburg-Valley View, KY | $103,600 | $800 | $580 | $1,110 | $530 |
| Sycamore, KY | $134,500 | $911 | $620 | $1,270 | $650 |
| Bellemeade, KY | $231,400 | $1,156 | $830 | $1,650 | $820 |
| Perryville, KY | $148,800 | $955 | $650 | $1,330 | $680 |
| Madison, IN | $120,600 | $687 | $500 | $980 | $480 |