Gavop shows you how to buy homeowners insurance in Bourbon County, 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 | $47,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $114,000 | $90,000 | $75,000-$100,000 |
| 3 Bedroom | $169,500 | $150,000 | $150,000-$175,000 |
| 4 Bedroom | $219,500 | $210,000 | $175,000-$200,000 |
| 5 Bedroom | $221,000 | $210,000 | $250,000-$300,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$63 | $730 |
| Home and Two Car | -$135 | $658 |
| Home and Three Car | -$182 | $611 |
| 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 |
| Bourbon County | $2,500 | $783 | $3,283 | $569 | $3,069 | $214 |
| Bourbon County, KY | $1,500 | $783 | $2,283 | $569 | $2,069 | $214 |
| Sadieville, KY | $100 | $1,047 | $1,147 | $761 | $861 | $286 |
| Lexington-Fayette Southeast, KY | $1,000 | $980 | $1,980 | $712 | $1,712 | $268 |
| Mount Olivet, KY | $400 | $754 | $1,154 | $548 | $948 | $206 |
| Corinth, KY | $2,500 | $749 | $3,249 | $544 | $3,044 | $205 |
| Salt Lick, KY | $100 | $672 | $772 | $488 | $588 | $184 |
| Bryantsville, KY | $1,000 | $839 | $1,839 | $610 | $1,610 | $229 |
| Dover, KY | $500 | $709 | $1,209 | $516 | $1,016 | $194 |
| Wagersville-South Irvine, KY | $1,500 | $607 | $2,107 | $441 | $1,941 | $166 |
| Piner-Visalia, KY | $300 | $838 | $1,138 | $609 | $909 | $229 |
| Glencoe, KY | $1,000 | $666 | $1,666 | $484 | $1,484 | $182 |
| Home Insurance Company Bourbon County, KY | Homeowners Insurance Agency Bourbon County, KY | Address | Popularity Score | Distance from Bourbon County (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Woodford Hill Thompson | 500 Main St, Paris, KY, 40361 | 2.3 | |
| Erie | Jeff Hutchison Insurance Services | 121 Prosperous Place Suite 9b, Lexington, KY, 40509 | 18.8 | |
| Allstate | Rebecca Turner | 218 N Main St, Nicholasville, KY, 40356 | 29.7 | |
| Liberty Mutual Independent | Sullivan Insurance Agency | 635 N Broadway, Lexington, KY, 40508 | 18.2 | |
| Travelers | Morris Insurance Inc | 218 Main St, Paris, KY, 40361 | 2.3 | |
| State Farm | Dawn Stice | 121 Prosperous Pl Ste 11a, Lexington, KY, 40509-1834 | 18.8 | |
| State Farm | David Lovejoy | 125 Towne Center Dr Ste 125, Lexington, KY, 40511-2027 | 19.8 | |
| State Farm | Wallace Barber | 340 E New Circle Rd Ste 120, Lexington, KY, 40505-2651 | 17.0 | |
| State Farm | Gina Hopper | 115 N Locust Hill Dr Ste 107, Lexington, KY, 40509-1517 | 18.8 | |
| Travelers | Allison & Damron Insurance | 601 Taylor Ave, Frankfort, KY, 40601 | 36.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $650 | $1,230 | $580 |
| Bourbon County, KY | $144,900 | $793 | $530 | $1,130 | $600 |
| Bourbon County, KY | $144,900 | $793 | $570 | $1,090 | $520 |
| Sadieville, KY | $188,600 | $1,060 | $720 | $1,490 | $770 |
| Lexington-Fayette Southeast, KY | $161,800 | $992 | $710 | $1,370 | $660 |
| Mount Olivet, KY | $94,500 | $763 | $550 | $1,050 | $500 |
| Corinth, KY | $93,400 | $758 | $520 | $1,070 | $550 |
| Salt Lick, KY | $76,100 | $680 | $480 | $940 | $460 |
| Bryantsville, KY | $169,000 | $849 | $620 | $1,210 | $590 |
| Dover, KY | $84,200 | $718 | $510 | $1,020 | $510 |
| Wagersville-South Irvine, KY | $63,100 | $614 | $440 | $850 | $410 |
| Piner-Visalia, KY | $168,400 | $848 | $580 | $1,180 | $600 |
| Glencoe, KY | $75,000 | $674 | $460 | $920 | $460 |