Gavop's guide to buying homeowners insurance in Brownsville, 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 | $44,500 | $40,000 | $50,000-$75,000 |
| 2 Bedroom | $131,000 | $110,000 | $100,000-$125,000 |
| 3 Bedroom | $180,000 | $160,000 | $200,000-$250,000 |
| 4 Bedroom | $259,500 | $230,000 | $300,000-$350,000 |
| 5 Bedroom | $177,000 | $150,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$113 | $549 |
| Superior Protection Discount | -$66 | $596 |
| Fire & Security Discount | -$60 | $602 |
| Hail Resistant Roof Discount | -$20 | $642 |
| Newly Constructed Home Discount | -$159 | $503 |
| 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 |
| Edmonson County | $1,500 | $672 | $2,172 | $488 | $1,988 | $184 |
| Brownsville, KY | $2,000 | $654 | $2,654 | $475 | $2,475 | $179 |
| Hiseville, KY | $200 | $906 | $1,106 | $658 | $858 | $248 |
| Halfway, KY | $700 | $918 | $1,618 | $667 | $1,367 | $251 |
| Upton, KY | $500 | $694 | $1,194 | $504 | $1,004 | $190 |
| Simpson County, KY | $1,500 | $745 | $2,245 | $542 | $2,042 | $204 |
| Gamaliel, KY | $500 | $623 | $1,123 | $453 | $953 | $170 |
| Hardin County, KY | $1,000 | $904 | $1,904 | $657 | $1,657 | $247 |
| Hartford, KY | $500 | $708 | $1,208 | $515 | $1,015 | $194 |
| Cane Valley, KY | $2,000 | $798 | $2,798 | $580 | $2,580 | $218 |
| Cottontown, TN | $200 | $1,348 | $1,548 | $979 | $1,179 | $368 |
| Castalian Springs, TN | $2,000 | $920 | $2,920 | $668 | $2,668 | $251 |
| Home Insurance Company Brownsville, KY | Homeowners Insurance Agency Brownsville, KY | Address | Popularity Score | Distance from Brownsville (miles) |
|---|---|---|---|---|
| State Farm | Kyle Woosley | 804 Campbell Ln Ste 105, Bowling Green, KY, 42104-4130 | 17.5 | |
| State Farm | Kelley Miller | 417 N Mulberry St, Elizabethtown, KY, 42701-1847 | 44.5 | |
| State Farm | Tj Rhoades | 308 W Dixie Ave, Elizabethtown, KY, 42701-1700 | 44.2 | |
| State Farm | Mitch Jackson | 141 Old Highway 60, Hardinsburg, KY, 40143-2501 | 47.1 | |
| Travelers | Noland Insurance Agency | 1111 Shive Ln Ste 101, Bowling Green, KY, 42103 | 16.6 | |
| Liberty Mutual Independent | Curneal & Hignite Insurance | 2905 Ring Rd, Elizabethtown, KY, 42701 | 46.1 | |
| Allstate | John Sells | 1520 Westpark Dr, Bowling Green, KY, 42104 | 17.1 | |
| State Farm | Mike Wyman | 2801 Ring Rd, Elizabethtown, KY, 42701-9114 | 46.4 | |
| Travelers | La Rue Insurance Inc | 54 Lincoln Square, Hodgenville, KY, 42748 | 40.8 | |
| State Farm | Jim Skees | 1317 N Dixie Hwy, Elizabethtown, KY, 42701-2621 | 45.4 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $620 | $1,260 | $640 |
| Edmonson County, KY | $87,100 | $680 | $460 | $970 | $510 |
| Brownsville, KY | $100,600 | $662 | $440 | $910 | $470 |
| Hiseville, KY | $136,300 | $917 | $630 | $1,270 | $640 |
| Halfway, KY | $140,100 | $929 | $640 | $1,320 | $680 |
| Upton, KY | $80,800 | $702 | $480 | $1,000 | $520 |
| Simpson County, KY | $130,500 | $754 | $540 | $1,080 | $540 |
| Gamaliel, KY | $66,300 | $631 | $430 | $880 | $450 |
| Hardin County, KY | $148,000 | $915 | $660 | $1,250 | $590 |
| Hartford, KY | $84,100 | $717 | $480 | $980 | $500 |
| Cane Valley, KY | $105,500 | $808 | $550 | $1,150 | $600 |
| Cottontown, TN | $294,000 | $1,364 | $1,000 | $1,920 | $920 |
| Castalian Springs, TN | $115,800 | $931 | $660 | $1,310 | $650 |