Gavop shows you how to buy homeowners insurance in Albany, 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 | $42,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $77,000 | $70,000 | $50,000-$75,000 |
| 3 Bedroom | $144,000 | $120,000 | $125,000-$150,000 |
| 4 Bedroom | $185,000 | $150,000 | $200,000-$250,000 |
| 5 Bedroom | $237,500 | $200,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$99 | $485 |
| Superior Protection Discount | -$58 | $526 |
| Fire & Security Discount | -$41 | $543 |
| Hail Resistant Roof Discount | -$18 | $567 |
| Newly Constructed Home Discount | -$169 | $415 |
| 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 |
| Clinton County | $2,500 | $579 | $3,079 | $421 | $2,921 | $158 |
| Albany, KY | $1,500 | $577 | $2,077 | $419 | $1,919 | $158 |
| Byrdstown, TN | $500 | $747 | $1,247 | $543 | $1,043 | $204 |
| Zula-Powersburg, KY | $2,500 | $475 | $2,975 | $345 | $2,845 | $130 |
| Kettle-Peytonsburg, KY | $500 | $786 | $1,286 | $572 | $1,072 | $215 |
| Glens Fork, KY | $1,500 | $644 | $2,144 | $468 | $1,968 | $176 |
| Co-operative, KY | $200 | $485 | $685 | $353 | $553 | $133 |
| Summer Shade, KY | $2,000 | $660 | $2,660 | $480 | $2,480 | $180 |
| Gamaliel, KY | $500 | $623 | $1,123 | $453 | $953 | $170 |
| Bowman, TN | $700 | $944 | $1,644 | $686 | $1,386 | $258 |
| Casey County, KY | $500 | $631 | $1,131 | $459 | $959 | $173 |
| Middleburg, KY | $1,000 | $606 | $1,606 | $440 | $1,440 | $166 |
| Home Insurance Company Albany, KY | Homeowners Insurance Agency Albany, KY | Address | Popularity Score | Distance from Albany (miles) |
|---|---|---|---|---|
| State Farm | Wade Flowers | 235 Keen St, Burkesville, KY, 42717 | 14.6 | |
| Travelers | Calvert & Nunn Insurance Inc | 121 E Main St, Glasgow, KY, 42141 | 47.9 | |
| State Farm | Todd Conley | 257 Bluebird Ln Ste 1, Greensburg, KY, 42743-1476 | 45.2 | |
| Travelers | Glass & Thompson | 1006 W Stockton St, Edmonton, KY, 42129 | 34.4 | |
| Allstate | Bennett Insurance Group | 4295 Burkesville Rd, Columbia, KY, 42728 | 28.6 | |
| State Farm | Ken Keltner | 1002 E Broadway St Ste B, Campbellsvlle, KY, 42718-1510 | 47.2 | |
| State Farm | Mike Wade | 308 S Broadway St, Glasgow, KY, 42141-2608 | 47.9 | |
| State Farm | Lisa Beard | 106 Plaza Dr, Albany, KY, 42602-1659 | 0.9 | |
| Travelers | Manion Insurance Agency Inc | 605a Happy Valley Rd, Glasgow, KY, 42141 | 48.5 | |
| State Farm | Randy Kidd | 1755 N Hwy 27, Whitley City, KY, 42653 | 37.3 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $600 | $1,280 | $680 |
| Clinton County, KY | $66,100 | $586 | $400 | $800 | $400 |
| Albany, KY | $65,700 | $584 | $420 | $820 | $400 |
| Byrdstown, TN | $74,100 | $756 | $550 | $1,070 | $520 |
| Zula-Powersburg, KY | $39,900 | $481 | $330 | $690 | $360 |
| Kettle-Peytonsburg, KY | $102,600 | $796 | $550 | $1,100 | $550 |
| Glens Fork, KY | $70,400 | $652 | $450 | $930 | $480 |
| Co-operative, KY | $41,500 | $491 | $350 | $680 | $330 |
| Summer Shade, KY | $73,700 | $668 | $470 | $920 | $450 |
| Gamaliel, KY | $66,300 | $631 | $460 | $900 | $440 |
| Bowman, TN | $122,800 | $955 | $700 | $1,320 | $620 |
| Casey County, KY | $77,600 | $639 | $450 | $880 | $430 |
| Middleburg, KY | $63,000 | $613 | $420 | $880 | $460 |