Gavop shows you how to buy homeowners insurance in East Bernstadt, 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 | $34,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $108,000 | $90,000 | $75,000-$100,000 |
| 3 Bedroom | $118,000 | $110,000 | $125,000-$150,000 |
| 4 Bedroom | $129,500 | $110,000 | $125,000-$150,000 |
| 5 Bedroom | $296,500 | $260,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$117 | $500 |
| Superior Protection Discount | -$56 | $562 |
| Fire & Security Discount | -$62 | $556 |
| Hail Resistant Roof Discount | -$12 | $605 |
| Newly Constructed Home Discount | -$124 | $494 |
| 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 |
| Laurel County | $1,500 | $761 | $2,261 | $553 | $2,053 | $208 |
| East Bernstadt, KY | $2,500 | $610 | $3,110 | $443 | $2,943 | $167 |
| Greenmount-Langnau, KY | $200 | $707 | $907 | $514 | $714 | $193 |
| Sandgap, KY | $2,000 | $685 | $2,685 | $498 | $2,498 | $187 |
| Booneville, KY | $300 | $661 | $961 | $480 | $780 | $181 |
| Ashers Fork, KY | $1,000 | $481 | $1,481 | $350 | $1,350 | $131 |
| Richmond, KY | $200 | $933 | $1,133 | $678 | $878 | $255 |
| Emlyn, KY | $700 | $658 | $1,358 | $478 | $1,178 | $180 |
| Hyden, KY | $300 | $848 | $1,148 | $616 | $916 | $232 |
| Mozelle, KY | $700 | $467 | $1,167 | $340 | $1,040 | $128 |
| Dividing Ridge, KY | $500 | $636 | $1,136 | $462 | $962 | $174 |
| Malaga, KY | $700 | $640 | $1,340 | $465 | $1,165 | $175 |
| Home Insurance Company East Bernstadt, KY | Homeowners Insurance Agency East Bernstadt, KY | Address | Popularity Score | Distance from East Bernstadt (miles) |
|---|---|---|---|---|
| Allstate | Amy Hazlett | 216 Skywatch Dr, Danville, KY, 40422 | 43.5 | |
| Travelers | First Insurance Group | 2520 S Highway 27, Somerset, KY, 42501 | 28.8 | |
| State Farm | Chris Cornelius | 400 Carrigan Dr, Danville, KY, 40422-2402 | 43.3 | |
| Allstate | Rebecca Turner | 218 N Main St, Nicholasville, KY, 40356 | 49.5 | |
| State Farm | Steve Page | 626 Edgewood Dr, Nicholasville, KY, 40356-2261 | 49.5 | |
| Travelers | Cole Insurance Agency Inc | 312 Highland Park Drive, Richmond, KY, 40475 | 34.3 | |
| State Farm | Don Mills | 130 E Main St Ste 4, Richmond, KY, 40475-1653 | 35.2 | |
| State Farm | Teresa Jackson | 912 W Main St, Mount Vernon, KY, 40456-2504 | 13.7 | |
| State Farm | Bob Miller | 1000 E Lexington Ave Ste 112, Danville, KY, 40422-9043 | 43.7 | |
| Travelers | Preferred Insurance Agency | 1114 Hustonville Road, Danville, KY, 40422 | 43.4 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $620 | $1,250 | $630 |
| Laurel County, KY | $102,000 | $770 | $560 | $1,060 | $500 |
| East Bernstadt, KY | $72,800 | $618 | $410 | $880 | $470 |
| Greenmount-Langnau, KY | $83,900 | $716 | $510 | $1,020 | $510 |
| Sandgap, KY | $78,900 | $693 | $490 | $980 | $490 |
| Booneville, KY | $74,000 | $669 | $450 | $930 | $480 |
| Ashers Fork, KY | $40,800 | $487 | $350 | $690 | $340 |
| Richmond, KY | $158,800 | $945 | $690 | $1,330 | $640 |
| Emlyn, KY | $73,400 | $666 | $470 | $920 | $450 |
| Hyden, KY | $54,200 | $858 | $620 | $1,220 | $600 |
| Mozelle, KY | $38,500 | $473 | $320 | $660 | $340 |
| Dividing Ridge, KY | $68,900 | $644 | $470 | $910 | $440 |
| Malaga, KY | $69,600 | $648 | $470 | $890 | $420 |