How Can I Make My Williamsburg, KY Home Insurance Cheaper

Gavop's guide to buying homeowners insurance in Williamsburg, 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.

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Select the Suitable Coverage Value for your Williamsburg, KY Home | Back to Top

Bedrooms Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
1 Bedroom $36,000 $30,000 $25,000-$50,000
2 Bedroom $61,500 $60,000 $50,000-$75,000
3 Bedroom $65,500 $60,000 $75,000-$100,000
4 Bedroom $106,500 $100,000 $75,000-$100,000
5 Bedroom $221,500 $200,000 $200,000-$250,000

Estimate your Savings with Home Insurance Discounts in Williamsburg, KY | Back to Top

Type Discount ($) Premium After Discount ($)
Multipolicy Discount -$110 $577
Superior Protection Discount -$62 $625
Fire & Security Discount -$76 $612
Hail Resistant Roof Discount -$14 $674
Newly Constructed Home Discount -$186 $502

Choose the Right Deductible for your Williamsburg, KY Home | Back to Top

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
Whitley County $1,500 $686 $2,186 $499 $1,999 $188
Williamsburg, KY $1,000 $679 $1,679 $493 $1,493 $186
Trosper, KY $1,000 $427 $1,427 $310 $1,310 $117
Girdler, KY $100 $624 $724 $454 $554 $171
Fincastle, TN $2,000 $769 $2,769 $559 $2,559 $210
Bell County, KY $100 $870 $970 $632 $732 $238
Robbins, TN $1,000 $693 $1,693 $503 $1,503 $189
Coopersville, KY $400 $600 $1,000 $436 $836 $164
Union County, TN $1,000 $768 $1,768 $558 $1,558 $210
Eubank, KY $500 $651 $1,151 $473 $973 $178
Grainger County, TN $2,000 $757 $2,757 $550 $2,550 $207

Identify Top Home Insurance Agents near Williamsburg, KY | Back to Top

Home Insurance Company Williamsburg, KY Homeowners Insurance Agency Williamsburg, KY Address Popularity Score Distance from Williamsburg (miles)
Travelers First Insurance Group 2520 S Hwy 27, Somerset, KY, 42501
33.5
State Farm Chad Smallwood 645 S Highway 27 Ste 6, Somerset, KY, 42501-3507
34.5
Travelers First Insurance Group 2520 S Highway 27, Somerset, KY, 42501
34.4
Allstate Charles Cromer 705 W Highway 80, Somerset, KY, 42503
35.6
Allstate Kelly Horseman 312b Sallee St, Somerset, KY, 42501
34.3
Travelers Mathis Insurance Agency Inc 1340 S Hwy 27 Ste A, Somerset, KY, 42501
34.1
State Farm Tom Shelton 1260 S Highway 25 W, Williamsburg, KY, 40769-1690
1.2
State Farm Randy Kidd 1755 N Hwy 27, Whitley City, KY, 42653
17.3
State Farm Teresa Jackson 912 W Main St, Mount Vernon, KY, 40456-2504
43.5
State Farm Kenneth Ramsey 950 N Main St, Monticello, KY, 42633-1583
38.3

Compare Rates for Williamsburg, KY Home Insurance Providers | Back to Top

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Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
Kentucky $130,000 $896 $620 $1,250 $630
Whitley County, KY $83,800 $695 $500 $990 $490
Williamsburg, KY $88,900 $687 $470 $950 $480
Trosper, KY $32,100 $432 $310 $620 $310
Girdler, KY $66,500 $632 $460 $900 $440
Fincastle, TN $78,700 $778 $540 $1,110 $570
Bell County, KY $59,400 $881 $600 $1,260 $660
Robbins, TN $63,300 $701 $480 $990 $510
Coopersville, KY $61,800 $607 $430 $830 $400
Union County, TN $114,200 $777 $550 $1,070 $520
Eubank, KY $99,600 $659 $480 $940 $460
Grainger County, TN $110,600 $766 $550 $1,060 $510