Gavop shows you how to buy homeowners insurance in Nicholas County, KY by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $41,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $82,500 | $70,000 | $75,000-$100,000 |
| 3 Bedroom | $139,500 | $130,000 | $125,000-$150,000 |
| 4 Bedroom | $196,500 | $180,000 | $175,000-$200,000 |
| 5 Bedroom | $241,500 | $230,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$125 | $533 |
| Superior Protection Discount | -$66 | $593 |
| Fire & Security Discount | -$72 | $586 |
| Hail Resistant Roof Discount | -$13 | $645 |
| Newly Constructed Home Discount | -$184 | $474 |
| 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 |
| Nicholas County | $1,500 | $651 | $2,151 | $473 | $1,973 | $178 |
| Nicholas County, KY | $1,500 | $651 | $2,151 | $473 | $1,973 | $178 |
| North Middletown, KY | $400 | $699 | $1,099 | $508 | $908 | $191 |
| Mason County, KY | $1,500 | $689 | $2,189 | $501 | $2,001 | $188 |
| Sadieville, KY | $100 | $1,047 | $1,147 | $761 | $861 | $286 |
| Pendleton County, KY | $2,000 | $673 | $2,673 | $489 | $2,489 | $184 |
| Corinth, KY | $500 | $749 | $1,249 | $544 | $1,044 | $205 |
| Grant County, KY | $1,000 | $715 | $1,715 | $519 | $1,519 | $195 |
| Mentor, KY | $400 | $969 | $1,369 | $704 | $1,104 | $265 |
| Grants Lick, KY | $1,500 | $878 | $2,378 | $638 | $2,138 | $240 |
| Campbell County, KY | $300 | $938 | $1,238 | $682 | $982 | $256 |
| Oliver, OH | $2,000 | $751 | $2,751 | $546 | $2,546 | $205 |
| Home Insurance Company Nicholas County, KY | Homeowners Insurance Agency Nicholas County, KY | Address | Popularity Score | Distance from Nicholas County (miles) |
|---|---|---|---|---|
| State Farm | Steve Woodrum | 102 Finley Dr Ste 80, Georgetown, KY, 40324-6009 | 29.2 | |
| Liberty Mutual Independent | Nicholson Insurance Agency Inc | 1001 Monarch St Ste 100, Lexington, KY, 40513 | 36.2 | |
| Allstate | Asa Pham | 169 E Reynolds Rd Ste 104, Lexington, KY, 40517 | 36.0 | |
| State Farm | Joel Shaw | 1435 Main St, Paris, KY, 40361-1201 | 15.4 | |
| Allstate | Terrill Williams | 2465 Nicholasville Rd Ste A, Lexington, KY, 40503 | 35.5 | |
| Travelers | Greater Lexington Insurance Agency | 1066 Wellington Way, Lexington, KY, 40513 | 37.5 | |
| State Farm | Marc Cammack | 930 Us Highway 27 S Ste 2, Cynthiana, KY, 41031-5992 | 15.7 | |
| State Farm | Tim Green | 3 N Main St, Winchester, KY, 40391 | 25.1 | |
| State Farm | Bethany Hicks | 1050 Chinoe Rd Ste 100, Lexington, KY, 40502-6571 | 34.1 | |
| State Farm | Robert Goh | 193 Frankfort St, Versailles, KY, 40383-1162 | 43.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $610 | $1,230 | $620 |
| Nicholas County, KY | $82,100 | $658 | $470 | $930 | $460 |
| Nicholas County, KY | $82,100 | $658 | $470 | $900 | $430 |
| North Middletown, KY | $81,900 | $707 | $500 | $1,000 | $500 |
| Mason County, KY | $111,200 | $697 | $470 | $990 | $520 |
| Sadieville, KY | $188,600 | $1,060 | $710 | $1,510 | $800 |
| Pendleton County, KY | $106,400 | $681 | $480 | $950 | $470 |
| Corinth, KY | $93,400 | $758 | $520 | $1,050 | $530 |
| Grant County, KY | $119,700 | $723 | $530 | $990 | $460 |
| Mentor, KY | $157,800 | $981 | $720 | $1,400 | $680 |
| Grants Lick, KY | $187,700 | $889 | $600 | $1,270 | $670 |
| Campbell County, KY | $160,700 | $949 | $650 | $1,320 | $670 |
| Oliver, OH | $158,600 | $760 | $550 | $1,050 | $500 |