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.
Compare Quotes from Top Providers and Save now!
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 | 49.7 | |
| Allstate | Dennis Grothaus | 970 Dudley Pike Ste A, Edgewood, KY, 41017 | 5.0 | |
| State Farm | Tracie Johnson | 1400 Gloria Terrell Dr Ste D, Wilder, KY, 41076-9189 | 5.2 | |
| Allstate | Lora L. Lee | 2021 Alexandria Pike Ste A, Highland Heights, KY, 41076 | 7.9 | |
| State Farm | John Hoffman | 2156 Declaration Dr, Independence, KY, 41051-7034 | 1.9 | |
| Travelers | Burkhart Insurance Agency | 803 Scott Street Ste 2, Covington, KY, 41011 | 9.0 | |
| State Farm | Adam Worrell | 1892 Petersburg Rd, Hebron, KY, 41048-9609 | 11.8 | |
| Allstate | Hans Philippo | 7138 Price Pike, Florence, KY, 41042 | 6.2 | |
| State Farm | Ed Schadler | 998 Dudley Pike, Edgewood, KY, 41017-8174 | 5.0 | |
| State Farm | Joe Dalbey | 20 North Grand Avenue, Fort Thomas, KY, 41075-1755 | 9.3 |
Compare Rates for Independence, KY Home Insurance Providers | Back to Top
| 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
Premium
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
Premium
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
Premium
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
Premium
Our premiums and deductibles are about the same as other home insurance companies. We shopped around before deciding to go with our company.