How Can I Make My Independence, KY Home Insurance Cheaper

Gavop shows you how to buy homeowners insurance in Independence, KY by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.

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Select the Suitable Coverage Value for your Independence, KY Home | Back to Top

Bedrooms Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
1 Bedroom $55,000 $50,000 $50,000-$75,000
2 Bedroom $153,000 $130,000 $175,000-$200,000
3 Bedroom $245,500 $210,000 $200,000-$250,000
4 Bedroom $299,500 $270,000 $300,000-$350,000
5 Bedroom $474,000 $410,000 $500,000-$600,000

Estimate your Savings with Home Insurance Discounts in Independence, KY | Back to Top

Type Discount ($) Premium After Discount ($)
Multipolicy Discount -$150 $785
Superior Protection Discount -$94 $842
Fire & Security Discount -$65 $870
Hail Resistant Roof Discount -$19 $916
Newly Constructed Home Discount -$243 $692

Choose your Independence, KY Home Insurance Coverage for your Specific Claim Requirement | Back to Top

Claim Type Average Claim Cost
General Claims
Water Damage $5,975
Physical Damage $2,368
Hail Damage $4,571
Wind Damage $6,433
Expensive Claims
Fire $45,570
Smoke $16,218

Identify Top Home Insurance Agents near Independence, KY | Back to Top

Home Insurance Company Independence, KY Homeowners Insurance Agency Independence, KY Address Popularity Score Distance from Independence (miles)
Travelers Downey Insurance Group Inc 35 S Main St, New Castle, KY, 40050
Allstate Dennis Grothaus 970 Dudley Pike Ste A, Edgewood, KY, 41017
State Farm Tracie Johnson 1400 Gloria Terrell Dr Ste D, Wilder, KY, 41076-9189
Allstate Lora L. Lee 2021 Alexandria Pike Ste A, Highland Heights, KY, 41076
State Farm John Hoffman 2156 Declaration Dr, Independence, KY, 41051-7034
Travelers Burkhart Insurance Agency 803 Scott Street Ste 2, Covington, KY, 41011
State Farm Adam Worrell 1892 Petersburg Rd, Hebron, KY, 41048-9609
Allstate Hans Philippo 7138 Price Pike, Florence, KY, 41042
State Farm Ed Schadler 998 Dudley Pike, Edgewood, KY, 41017-8174
State Farm Joe Dalbey 20 North Grand Avenue, Fort Thomas, KY, 41075-1755

Compare Rates for Independence, KY Home Insurance Providers | Back to Top

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Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
Kentucky $130,000 $896 $610 $1,240 $630
Kenton County, KY $149,700 $920 $620 $1,270 $650
Independence, KY $155,300 $935 $660 $1,290 $630
Villa Hills, KY $209,100 $787 $530 $1,120 $590
Grants Lick, KY $187,700 $889 $610 $1,220 $610
Dayton, KY $96,500 $648 $450 $920 $470
Colerain, OH $121,300 $632 $450 $890 $440
Hidden Valley, IN $192,600 $835 $590 $1,190 $600
New Baltimore, OH $134,100 $709 $500 $1,010 $510
Mason, OH $235,000 $860 $620 $1,200 $580
Mount Orab, OH $123,200 $684 $470 $940 $470
Ray, IN $194,300 $998 $730 $1,390 $660
Peaks Mill, KY $119,200 $859 $610 $1,190 $580

Research Home Insurance Companies Reviews in Independence, KY Before Buying | Back to Top

Share a review on your home insurance company

State Farm Home Insurance Reviews

Date: January 15, 2020    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Customer Service
I haven't had any complaints with them so far. My rates have stayed constant during my time with them. I have not had to file a claim yet.

Date: September 14, 2019    Age: Above 60    Gender: Male    Marital Status: Married

State farm rates compared quite favorably when viewed against other insurers. The comparisons where apples to apples and State Farm came out with far better rates and their service without peer.

Date: July 28, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Because we have a historical home we know we would have to pay more money in premiums.State Farm was very reasonable and offered us excellent rates for the coverage we needed and wanted.

Allstate Home Insurance Reviews

Date: December 28, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Customer Service
They are quick to resolve problems and answer questions. They helped me get the best rate for what I needed.

Date: December 28, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Policy Offerings
I am satisfied with the service even though I believe their price range is higher than their competitors. This is something I need to research on my own. But I like the fact that I can bundle my home and auto together and get a package rate.

GEICO Home Insurance Reviews

Date: July 12, 2019    Age: 50 to 59    Gender: Female    Marital Status: Married

Our deductible with GEICO was $1000. and we had to pay that fee last year when our roof was damaged in a monsoon storm. The damage our home suffered exceeded $16000.

Date: June 15, 2019    Age: 20 to 29    Gender: Married    Marital Status: Male

Customer Service
We had GEICO through our apartment complex. It was easy to get and even though we never needed to use it they made sure we had all the information readily available for any situation.

Farmer's Insurance Home Insurance Reviews

Date: September 09, 2019    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Customer Service
For the most part my insurance company have treated me very well. I have no complains about them whatsoever. The only small nagging issue I have with them is the wait time when you are trying to reach customer support.

Date: July 06, 2019    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Customer Service
in my point of view I think they require responsibility and courage for their workers very necessary layering and that they treat clients well that is not rude or desperate

Liberty Mutual Home Insurance Reviews

Date: May 26, 2019    Age: 30 to 39    Gender: Married    Marital Status: Female

Our premiums and deductibles are about the same as other home insurance companies. We shopped around before deciding to go with our company.

Travelers Home Insurance Reviews

8 Ways to Get Discounts on Homeowners Insurance in Independence, KY

What Makes Your Independence, KY Home Insurance Cheap or Expensive