How Can I Make My Somerset, KY Home Insurance Cheaper
Gavop tells you how to get the best homeowners insurance in Somerset, KY by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
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Estimate Appropriate Somerset, KY Home Insurance Coverage Levels | Back to Top
| Somerset, 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 | |
| Stevens Rd, Greenview Dr, W Bourbon Rd, Charley Beasley Loop, Cs-1200, Spring Valley Dr, Country Hill Dr, Kit Cowan Rd, Camp Ground Rd, Gover Ln | $137,500 | $120,000 | $125,000-$150,000 | $171,500 | $160,000 | $150,000-$175,000 |
| Colebury Dr, Garner School Rd, Railroad Dr, Fourth Ward St, Cr-1139C, Cr-1358Ll, Poppy Ln, Pine Hill Rd, White Oak Cir, Heartland Dr | $122,000 | $110,000 | $125,000-$150,000 | $130,500 | $110,000 | $125,000-$150,000 |
| Owens Ln, Old Ky 90, Cr-1337E, Buck Dr, Shoreline Dr, Ford Dr, Newton St, State Hwy 692, Conley Dr, Clifty Point Rd | $151,000 | $130,000 | $150,000-$175,000 | $84,500 | $80,000 | $75,000-$100,000 |
| Meadowcrest Dr, Rolling Green Acres, Jacksboro St, State Hwy 1580, Amber Dr, Hideaway Dr, Freshman Aly, Stanton Ln, Irvin Phelps Rd, S Frank Denham Rd | $122,000 | $120,000 | $75,000-$100,000 | $115,500 | $100,000 | $100,000-$125,000 |
| Conners Way, James Rd, Empire Dr, Bogle St, Emery St, Jones Ln, Columbia St, Walnut Dr, Cr-1690U, Radar | $188,500 | $160,000 | $200,000-$250,000 | $165,500 | $150,000 | $150,000-$175,000 |
| Hickory Ave, Beech Grove Rd, S Maplewood Dr, Woods St, Spring Crest Dr, Ferry Rd, Wood Ct, Bonita Dr, Brookview Dr, Tomlinson St | $189,000 | $150,000 | $175,000-$200,000 | $161,000 | $140,000 | $150,000-$175,000 |
| Bridle Run, McFall Park Dr, Coyler Rd, Holly Hill Dr, Old Rush Branch Rd, Noble St, Canary Ave, Clover Pointe Dr, Hermine Dr, State Hwy 3179 | $94,000 | $90,000 | $75,000-$100,000 | $104,500 | $90,000 | $75,000-$100,000 |
| Rowena Dr, Old Jacksboro Rd, Greenleaf Dr, Outer Bank Dr, Glendale Ln, Patterson Ct, Creekside Dr, Anderson Dr, Nichols Ave, Omega Park Rd | $252,500 | $240,000 | $200,000-$250,000 | $171,500 | $160,000 | $150,000-$175,000 |
| Crosby Dr, Unity Hill St, Vaughn Turpin Rd, Cedar Grove Ct, Williams St, Rolling Hills Dr, Prewitt Dr, Cs-2019, E Mt Vernon Rd, Foster Ln | $183,000 | $150,000 | $150,000-$175,000 | $110,500 | $100,000 | $100,000-$125,000 |
| Jameson Ave, Misty Dr, Lakepointe Dr, Barnington Dr, Leisure Ln, Terry Ln, Cr-1300Q, W Columbia St, Ogden St, Meece St | $110,500 | $100,000 | $100,000-$125,000 | $94,500 | $80,000 | $75,000-$100,000 |
Estimate your Savings with Home Insurance Discounts in Somerset, KY | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$151 | $688 |
| Superior Protection Discount | -$76 | $764 |
| Fire & Security Discount | -$92 | $747 |
| Hail Resistant Roof Discount | -$25 | $814 |
| Newly Constructed Home Discount | -$201 | $638 |
Choose your Somerset, KY Home Insurance Coverage for your Specific Claim Requirement | Back to Top
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,733 |
| Physical Damage | $2,319 |
| Hail Damage | $4,853 |
| Wind Damage | $6,687 |
| Expensive Claims | |
| Fire | $42,442 |
| Smoke | $17,556 |
Identify Top Home Insurance Agents near Somerset, KY | Back to Top
| Home Insurance Company Somerset, KY | Homeowners Insurance Agency Somerset, KY | Address | Popularity Score | Distance from Somerset (miles) |
|---|---|---|---|---|
| State Farm | Wade Flowers | 235 Keen St, Burkesville, KY, 42717 | 47.5 | |
| Allstate | Charles Cromer | 705 W Highway 80, Somerset, KY, 42503 | 2.8 | |
| Travelers | The Lancaster Agency Inc | 121 E Main St, Lebanon, KY, 40033 | 50.0 | |
| State Farm | Chris Cornelius | 400 Carrigan Dr, Danville, KY, 40422-2402 | 39.2 | |
| Allstate | Amy Hazlett | 216 Skywatch Dr, Danville, KY, 40422 | 39.0 | |
| Allstate | The Ruth Hagan Insurance Agency | 101 W Main St, Lebanon, KY, 40033 | 50.0 | |
| Travelers | Ruth Hagan Insurance Agency Inc | 101 W Main St, Lebanon, KY, 40033 | 50.0 | |
| Travelers | Whitenack Souder Insurance | 204 S Main St, Harrodsburg, KY, 40330 | 49.5 | |
| Liberty Mutual Independent | Linville Insurance Agency | 302 Richmond Rd, Berea, KY, 40403 | 38.9 | |
| State Farm | Tom Blair | 515 Master St, Corbin, KY, 40701-1055 | 29.0 |
Compare Rates for Somerset, KY Home Insurance Providers | Back to Top
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $610 | $1,260 | $650 |
| Pulaski County, KY | $109,100 | $797 | $580 | $1,130 | $550 |
| Somerset, KY | $120,900 | $839 | $570 | $1,190 | $620 |
| Science Hill, KY | $112,000 | $833 | $570 | $1,170 | $600 |
| Mount Vernon, KY | $87,500 | $681 | $460 | $970 | $510 |
| Co-operative, KY | $41,500 | $491 | $360 | $670 | $310 |
| Bush, KY | $133,900 | $909 | $660 | $1,250 | $590 |
| Junction City, KY | $87,200 | $731 | $520 | $1,010 | $490 |
| Columbia, KY | $97,600 | $652 | $440 | $910 | $470 |
| Burning Springs, KY | $72,400 | $616 | $410 | $850 | $440 |
| Kirksville, KY | $202,700 | $1,093 | $780 | $1,540 | $760 |
| Madison County, KY | $151,000 | $924 | $640 | $1,300 | $660 |
Research Home Insurance Companies Reviews in Somerset, KY Before Buying | Back to Top
Share a review on your home insurance company
Liberty Mutual Home Insurance Reviews
Date: October 15, 2019 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Customer Service
Overall, I have never had to use my home insurance but it has been a smooth process for me. I have no complaints or bad comments to share about Liberty Mutual.
Allstate Home Insurance Reviews
Date: July 13, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Premium
I rate it a 3 simply because although comparable to others, that really doesn't say anything about allstate but morose about the competitiveness of all insurance companies.
State Farm Home Insurance Reviews
Date: July 21, 2019 Age: 40 to 49 Gender: Male Marital Status: Unmarried
Premium
I was able to lower both my deductible and my premium with this state farm agent. I was really happy and the money saved was wonderful!
GEICO Home Insurance Reviews
Date: September 09, 2019 Age: 20 to 29 Gender: Female Marital Status: Married
Customer Service
They are very attentive and have good customer service. They always answer my questions very quickly with detail and are very sincere.