Gavop shows you how to buy homeowners insurance in Winston-West Irvine, KY by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| West Irvine, KY - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Cr-1452, Suncrest Cir, Mc Intosh Rd, S Winn St, Jr Furniture Rd, Opossum Run Rd, Placid Dr, Kirby Cemetary Rd, Maupin Hill Rd, Edward Rd | $107,500 | $90,000 | $100,000-$125,000 | $125,500 | $110,000 | $100,000-$125,000 |
| State Hwy 1457, Round Mnt Rd, Sec No 4, Quail Run Ests, Riverview Rd, Hammons Way, Harvest Dr, Rosemont Rd, Sulphur Wells Rd N, Burgess Ln | $77,500 | $70,000 | $75,000-$100,000 | $74,000 | $60,000 | $50,000-$75,000 |
| Dug Hill Rd, Clowse Rd, Pea Ridge Rd, Dark Hollow Rd, Sand Hill Church Rd, Knob Lick-Blackburn Rd, Picnic Loop Rd, Picnic Hill Rd, Deer Run Ct, Reges Rd | $72,500 | $60,000 | $50,000-$75,000 | $80,000 | $70,000 | $50,000-$75,000 |
| Rhonda Kay Dr, Kimball Rd, Panola Rd, State Hwy 52, Locust Branch School Rd, Whispering Wood Dr, Johnny Richardson Cem Rd, Wisemantown Rd, Crooked Creek Rd, Low Gap Rd | $105,500 | $100,000 | $100,000-$125,000 | $77,000 | $70,000 | $75,000-$100,000 |
| Horns River Rd, Brown Ridge, Garrett Ave, Rogers Ln, Reese St, Sawmill Rd, Dark Hollow Sub, Little Rock Rd, Apple Blossom Ln, Old Richmond Road Loop 1 | $69,500 | $60,000 | $75,000-$100,000 | $50,000 | $50,000 | $50,000-$75,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$122 | $520 |
| Superior Protection Discount | -$64 | $578 |
| Fire & Security Discount | -$71 | $571 |
| Hail Resistant Roof Discount | -$19 | $622 |
| Newly Constructed Home Discount | -$141 | $501 |
| 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 |
| Estill County | $2,000 | $602 | $2,602 | $437 | $2,437 | $164 |
| West Irvine, KY | $700 | $634 | $1,334 | $461 | $1,161 | $173 |
| Beattyville, KY | $200 | $611 | $811 | $444 | $644 | $167 |
| Rockcastle County, KY | $2,500 | $645 | $3,145 | $469 | $2,969 | $176 |
| Garrard County, KY | $200 | $747 | $947 | $543 | $743 | $204 |
| Brodhead, KY | $2,500 | $664 | $3,164 | $482 | $2,982 | $181 |
| Cowcreek, KY | $100 | $513 | $613 | $373 | $473 | $140 |
| London, KY | $700 | $721 | $1,421 | $524 | $1,224 | $197 |
| South Woodford, KY | $400 | $1,356 | $1,756 | $985 | $1,385 | $370 |
| Morgan County, KY | $2,000 | $630 | $2,630 | $458 | $2,458 | $172 |
| Mount Victory, KY | $100 | $653 | $753 | $475 | $575 | $178 |
| Hyden, KY | $2,500 | $848 | $3,348 | $616 | $3,116 | $232 |
| Home Insurance Company West Irvine, KY | Homeowners Insurance Agency West Irvine, KY | Address | Popularity Score | Distance from West Irvine (miles) |
|---|---|---|---|---|
| State Farm | Phil Mcdonald | 1407 W 5th St, London, KY, 40741-1616 | 38.6 | |
| Travelers | The Elite Agency Inc | 2408 Sir Barton Wy Ste 375, Lexington, KY, 40509 | 31.7 | |
| State Farm | Stewart Perry | 2128 Nicholasville Road, Lexington, KY, 40503 | 34.4 | |
| Travelers | Strong Agency Llc | 80 Codell Dr Ste 120, Lexington, KY, 40509 | 31.8 | |
| Liberty Mutual Independent | Nicholson Insurance Agency Inc | 1001 Monarch St Ste 100, Lexington, KY, 40513 | 36.5 | |
| Liberty Mutual Independent | The Randolph Scott Insurance Agency | 1025 Dove Run Rd Ste 302, Lexington, KY, 40502 | 32.8 | |
| Allstate | Stephen Duncan | 470 Southland Dr, Lexington, KY, 40503 | 35.3 | |
| Liberty Mutual Independent | Linville Insurance Agency | 302 Richmond Rd, Berea, KY, 40403 | 14.2 | |
| State Farm | Mylan Wright | 245 Lexington St, Lancaster, KY, 40444-1184 | 29.0 | |
| Allstate | Andrew Strother | 4384 Clearwater Way Ste 130, Lexington, KY, 40515 | 31.4 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $610 | $1,280 | $670 |
| Estill County, KY | $71,000 | $609 | $410 | $830 | $420 |
| West Irvine, KY | $78,200 | $642 | $470 | $890 | $420 |
| Beattyville, KY | $63,900 | $618 | $440 | $860 | $420 |
| Rockcastle County, KY | $80,800 | $653 | $480 | $930 | $450 |
| Garrard County, KY | $131,000 | $756 | $540 | $1,080 | $540 |
| Brodhead, KY | $74,600 | $672 | $480 | $950 | $470 |
| Cowcreek, KY | $46,200 | $519 | $370 | $740 | $370 |
| London, KY | $122,100 | $730 | $490 | $1,040 | $550 |
| South Woodford, KY | $320,400 | $1,372 | $930 | $1,960 | $1,030 |
| Morgan County, KY | $77,500 | $638 | $450 | $910 | $460 |
| Mount Victory, KY | $72,300 | $661 | $460 | $930 | $470 |
| Hyden, KY | $54,200 | $858 | $630 | $1,180 | $550 |