Gavop shows you how to buy homeowners insurance in Lincoln 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.
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Newly Constructed Home | -$149 | $498 |
| 30 year old | +$10 | $657 |
| 40 year old | +$17 | $664 |
| 50 year old | +$25 | $671 |
| Above 50 year old | +$31 | $678 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$116 | $530 |
| Superior Protection Discount | -$58 | $589 |
| Fire & Security Discount | -$71 | $576 |
| Hail Resistant Roof Discount | -$19 | $627 |
| Newly Constructed Home Discount | -$181 | $466 |
| 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 |
| Lincoln County | $2,000 | $639 | $2,639 | $464 | $2,464 | $175 |
| Lincoln County, KY | $2,500 | $639 | $3,139 | $464 | $2,964 | $175 |
| Bradfordsville, KY | $200 | $703 | $903 | $511 | $711 | $192 |
| Cottonburg-Valley View, KY | $1,500 | $790 | $2,290 | $574 | $2,074 | $216 |
| Salvisa, KY | $400 | $756 | $1,156 | $549 | $949 | $207 |
| Campbellsville, KY | $1,500 | $681 | $2,181 | $495 | $1,995 | $186 |
| Annville, KY | $100 | $848 | $948 | $616 | $716 | $232 |
| Wagersville-South Irvine, KY | $700 | $607 | $1,307 | $441 | $1,141 | $166 |
| Parkers Lake, KY | $500 | $587 | $1,087 | $426 | $926 | $160 |
| Lexington-Fayette Northeast, KY | $1,500 | $1,068 | $2,568 | $776 | $2,276 | $292 |
| Corbin, KY | $300 | $674 | $974 | $490 | $790 | $184 |
| Lexington-Fayette Northwest, KY | $2,500 | $918 | $3,418 | $667 | $3,167 | $251 |
| Home Insurance Company Lincoln County, KY | Homeowners Insurance Agency Lincoln County, KY | Address | Popularity Score | Distance from Lincoln County (miles) |
|---|---|---|---|---|
| State Farm | Erica Barnes | 511 W Main St, Lebanon, KY, 40033-1338 | 34.0 | |
| Liberty Mutual Independent | Nicholson Insurance Agency Inc | 1001 Monarch St Ste 100, Lexington, KY, 40513 | 39.4 | |
| Liberty Mutual Independent | Sullivan Insurance Agency | 635 N Broadway, Lexington, KY, 40508 | 42.4 | |
| State Farm | Clint Conrad | 201 Ruccio Way Ste 120, Lexington, KY, 40503-3584 | 37.7 | |
| State Farm | Rp Lopez | 2100 Lawrenceburg Rd, Frankfort, KY, 40601-7537 | 49.7 | |
| State Farm | John Parkhurst | 1795 Alysheba Way Ste 2104, Lexington, KY, 40509-2286 | 40.7 | |
| State Farm | David Lovejoy | 125 Towne Center Dr Ste 125, Lexington, KY, 40511-2027 | 42.7 | |
| State Farm | Mike Brownell | 503 Darby Creek Rd Ste 15, Lexington, KY, 40509-1603 | 39.9 | |
| State Farm | Jeff Briggs | 449 Lewis Hargett Cir Ste 150, Lexington, KY, 40503-3668 | 37.8 | |
| State Farm | Robert Goh | 193 Frankfort St, Versailles, KY, 40383-1162 | 41.9 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $650 | $1,270 | $620 |
| Lincoln County, KY | $96,100 | $647 | $430 | $910 | $480 |
| Lincoln County, KY | $96,100 | $647 | $470 | $890 | $420 |
| Bradfordsville, KY | $83,000 | $712 | $490 | $980 | $490 |
| Cottonburg-Valley View, KY | $103,600 | $800 | $580 | $1,140 | $560 |
| Salvisa, KY | $95,000 | $765 | $530 | $1,050 | $520 |
| Campbellsville, KY | $108,800 | $690 | $470 | $960 | $490 |
| Annville, KY | $60,800 | $858 | $580 | $1,230 | $650 |
| Wagersville-South Irvine, KY | $63,100 | $614 | $440 | $840 | $400 |
| Parkers Lake, KY | $59,300 | $594 | $430 | $820 | $390 |
| Lexington-Fayette Northeast, KY | $197,700 | $1,081 | $790 | $1,490 | $700 |
| Corbin, KY | $106,600 | $682 | $500 | $940 | $440 |
| Lexington-Fayette Northwest, KY | $140,200 | $929 | $670 | $1,330 | $660 |