Gavop's guide to buying homeowners insurance in Stanton, KY covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $50,000 | $40,000 | $50,000-$75,000 |
| 2 Bedroom | $73,500 | $60,000 | $50,000-$75,000 |
| 3 Bedroom | $102,000 | $90,000 | $75,000-$100,000 |
| 4 Bedroom | $156,000 | $150,000 | $150,000-$175,000 |
| 5 Bedroom | $230,500 | $210,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$114 | $521 |
| Superior Protection Discount | -$57 | $578 |
| Fire & Security Discount | -$70 | $565 |
| Hail Resistant Roof Discount | -$13 | $622 |
| Newly Constructed Home Discount | -$127 | $508 |
| 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 |
| Powell County | $1,000 | $640 | $1,640 | $465 | $1,465 | $175 |
| Stanton, KY | $700 | $628 | $1,328 | $456 | $1,156 | $172 |
| Powell County, KY | $300 | $640 | $940 | $465 | $765 | $175 |
| Ravenna, KY | $700 | $618 | $1,318 | $449 | $1,149 | $169 |
| Wolfe County, KY | $400 | $577 | $977 | $419 | $819 | $158 |
| Madison County, KY | $2,000 | $912 | $2,912 | $663 | $2,663 | $249 |
| North Middletown, KY | $500 | $699 | $1,199 | $508 | $1,008 | $191 |
| Elkfork-Ophir, KY | $2,000 | $574 | $2,574 | $417 | $2,417 | $157 |
| East Bernstadt, KY | $500 | $610 | $1,110 | $443 | $943 | $167 |
| Greenmount-Langnau, KY | $1,000 | $707 | $1,707 | $514 | $1,514 | $193 |
| Laurel-Petersville, KY | $400 | $545 | $945 | $396 | $796 | $149 |
| Cynthiana, KY | $1,000 | $759 | $1,759 | $551 | $1,551 | $207 |
| Home Insurance Company Stanton, KY | Homeowners Insurance Agency Stanton, KY | Address | Popularity Score | Distance from Stanton (miles) |
|---|---|---|---|---|
| State Farm | Stewart Perry | 2128 Nicholasville Road, Lexington, KY, 40503 | 43.9 | |
| Liberty Mutual Independent | Nicholson Insurance Agency Inc | 1001 Monarch St Ste 100, Lexington, KY, 40513 | 46.1 | |
| Allstate | Chuck Powers | 210 Old Mount Tabor Rd Ste C, Lexington, KY, 40502 | 42.7 | |
| Allstate | Rebecca Turner | 218 N Main St, Nicholasville, KY, 40356 | 44.9 | |
| Liberty Mutual Independent | The Randolph Scott Insurance Agency | 1025 Dove Run Rd Ste 302, Lexington, KY, 40502 | 42.4 | |
| Allstate | Andrew Strother | 4384 Clearwater Way Ste 130, Lexington, KY, 40515 | 41.9 | |
| Allstate | Asa Pham | 169 E Reynolds Rd Ste 104, Lexington, KY, 40517 | 43.6 | |
| State Farm | Craig Loftis | 145 Plaza Drive, Berea, KY, 40403 | 34.5 | |
| Travelers | Morris Insurance Inc | 218 Main St, Paris, KY, 40361 | 38.8 | |
| State Farm | Dawn Stice | 121 Prosperous Pl Ste 11a, Lexington, KY, 40509-1834 | 39.9 |
| 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 |
| Powell County, KY | $79,800 | $648 | $440 | $920 | $480 |
| Stanton, KY | $76,900 | $635 | $440 | $900 | $460 |
| Powell County, KY | $79,800 | $648 | $470 | $890 | $420 |
| Ravenna, KY | $65,300 | $626 | $450 | $900 | $450 |
| Wolfe County, KY | $65,700 | $584 | $420 | $840 | $420 |
| Madison County, KY | $151,000 | $924 | $630 | $1,300 | $670 |
| North Middletown, KY | $81,900 | $707 | $510 | $980 | $470 |
| Elkfork-Ophir, KY | $56,900 | $581 | $400 | $810 | $410 |
| East Bernstadt, KY | $72,800 | $618 | $420 | $870 | $450 |
| Greenmount-Langnau, KY | $83,900 | $716 | $480 | $1,020 | $540 |
| Laurel-Petersville, KY | $51,900 | $552 | $400 | $780 | $380 |
| Cynthiana, KY | $135,300 | $768 | $530 | $1,080 | $550 |