Gavop's guide to buying homeowners insurance in Letcher County, 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 | $29,500 | $30,000 | $0-$25,000 |
| 2 Bedroom | $63,500 | $60,000 | $50,000-$75,000 |
| 3 Bedroom | $73,500 | $70,000 | $75,000-$100,000 |
| 4 Bedroom | $146,000 | $140,000 | $150,000-$175,000 |
| 5 Bedroom | $93,000 | $80,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$157 | $716 |
| Superior Protection Discount | -$87 | $786 |
| Fire & Security Discount | -$96 | $777 |
| Hail Resistant Roof Discount | -$17 | $856 |
| Newly Constructed Home Discount | -$192 | $681 |
| 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 |
| Letcher County | $1,500 | $863 | $2,363 | $627 | $2,127 | $236 |
| Letcher County, KY | $2,500 | $863 | $3,363 | $627 | $3,127 | $236 |
| Long Fork, KY | $100 | $682 | $782 | $495 | $595 | $186 |
| Pennington Gap, VA | $700 | $440 | $1,140 | $320 | $1,020 | $120 |
| Harlan County, KY | $300 | $855 | $1,155 | $621 | $921 | $234 |
| Dungannon, VA | $1,000 | $272 | $1,272 | $197 | $1,197 | $74 |
| Fedscreek, KY | $400 | $587 | $987 | $426 | $826 | $160 |
| Ewing, VA | $1,500 | $412 | $1,912 | $299 | $1,799 | $113 |
| Colonial Heights, TN | $300 | $991 | $1,291 | $720 | $1,020 | $271 |
| McCarr, KY | $2,500 | $550 | $3,050 | $400 | $2,900 | $150 |
| Honaker, VA | $300 | $381 | $681 | $277 | $577 | $104 |
| Rogersville, TN | $1,500 | $939 | $2,439 | $682 | $2,182 | $257 |
| Home Insurance Company Letcher County, KY | Homeowners Insurance Agency Letcher County, KY | Address | Popularity Score | Distance from Letcher County (miles) |
|---|---|---|---|---|
| State Farm | Paul Pelphrey | 219 Broadway St, Paintsville, KY, 41240-1255 | 47.9 | |
| State Farm | Jennifer Reynolds | 145 Wedngtn Br Rd, Pikeville, KY, 41501-3204 | 32.5 | |
| Allstate | Melissa Crowdus | 3767 N Mayo Trl Ste 5, Pikeville, KY, 41501 | 32.0 | |
| Allstate | Justice & Stamper | 5445 N Mayo Trl, Pikeville, KY, 41501 | 32.9 | |
| State Farm | Laura Feltner | 117 Corporate Dr Ste 103, Hazard, KY, 41701-8267 | 23.0 | |
| State Farm | Gary Lowe | 3780 N Mayo Trl Ste 101, Pikeville, KY, 41501-9092 | 32.1 | |
| State Farm | Sam Doyle | 291 North Lake Drive, Prestonsburg, KY, 41653-1306 | 38.3 | |
| Nationwide | Athea Jean Blackburn Agency | 147 Hibbard St, Pikeville, KY, 41501 | 30.6 | |
| Travelers | Frazier Insurance Agency | 409 W Main St, Cumberland, KY, 40823 | 12.3 | |
| Travelers | Middlefork Insurance Agcy Inc | 22023 Main St, Hyden, KY, 41749 | 28.5 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $650 | $1,250 | $600 |
| Letcher County, KY | $58,500 | $873 | $590 | $1,210 | $620 |
| Letcher County, KY | $58,500 | $873 | $580 | $1,240 | $660 |
| Long Fork, KY | $78,200 | $690 | $470 | $960 | $490 |
| Pennington Gap, VA | $79,800 | $445 | $320 | $620 | $300 |
| Harlan County, KY | $53,500 | $866 | $580 | $1,230 | $650 |
| Dungannon, VA | $53,500 | $275 | $190 | $380 | $190 |
| Fedscreek, KY | $59,300 | $594 | $400 | $830 | $430 |
| Ewing, VA | $75,000 | $417 | $280 | $590 | $310 |
| Colonial Heights, TN | $137,800 | $1,003 | $710 | $1,410 | $700 |
| McCarr, KY | $52,700 | $557 | $400 | $770 | $370 |
| Honaker, VA | $70,000 | $386 | $280 | $550 | $270 |
| Rogersville, TN | $121,300 | $950 | $690 | $1,300 | $610 |