Gavop's guide to buying homeowners insurance in Wayne County, 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.
| Wayne County, 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 | |
| Front St, Kaitlins Way, Dusty Ln, Willa Dr, E Black Rd, Cr-1428D, Mary Linda Dr, Marcus Ln, Rankin Ln, Common Dr | $109,000 | $90,000 | $75,000-$100,000 | $101,000 | $90,000 | $75,000-$100,000 |
| Stockton Rd, Stokes St, Crawford View Dr, Wilhite St, Hillside View Ln, Barrier St, Jim Jones Rd, Cr-1332L, Harvey Tucker Rd, Bell St | $99,000 | $80,000 | $75,000-$100,000 | $114,000 | $100,000 | $75,000-$100,000 |
| Chestnut Grove Rd, Tori Ln, Dean Rd, Charlie Tucker Rd, Country Meadow Ln, Kendrick Rd, Mansfield Ln, Sumac Rd, Old Hwy 90, Stokes Ct | $120,000 | $100,000 | $100,000-$125,000 | $86,000 | $70,000 | $75,000-$100,000 |
| Auction St, Cr-1283, Old Fire Trl, H G Cir, Mary Beth Dr, Kidd St, Grayer Ridge Rd, Woodland Hill, State Hwy 834, Dawn Ct | $91,000 | $80,000 | $100,000-$125,000 | $65,000 | $60,000 | $50,000-$75,000 |
| Cr-1420C, Cr-1604, Cr 1526G, Cr-1466, Cr-1430E, Aggie Hollow Rd, Mallard Dr, American Legion Rd, Creek Side Ln, Conley St | $105,500 | $100,000 | $100,000-$125,000 | $95,000 | $90,000 | $75,000-$100,000 |
| Enchanted Mtn Trl, Cedar Bluff Dr, Lynwood Ln, Cr-1068, Morrows Landing Rd, Foster Ln, Mayberry Ln, Greenside Dr, Bertram Guffey Rd, Pine Cir | $90,500 | $70,000 | $75,000-$100,000 | $80,500 | $70,000 | $50,000-$75,000 |
| Oak Mont Dr, Tiffany Dr, Castle St, State Hwy 790, Mitt Foster Rd, State Hwy 1275 N, Fair Field Ln, Morris Hill Rd, Cloverleaf Ln, Sunstar Blvd | $86,000 | $80,000 | $75,000-$100,000 | $90,500 | $80,000 | $75,000-$100,000 |
| Lincoln Ave, Redbud Ln, Ky-1808, Red Bud Ln, Old Glory Rd, Bohon Dr, Richardson Rd, Everett Bertram Rd, Mulberry Ln, Elk St | $64,500 | $50,000 | $50,000-$75,000 | $88,000 | $80,000 | $75,000-$100,000 |
| New Salem Church Rd, 1st St, Cr-1155, Thornton Dr, Great View Dr, Cr-1212, Thunder Rd, Cs-1116, Butler St, Wren Dr | $97,500 | $80,000 | $100,000-$125,000 | $57,000 | $50,000 | $50,000-$75,000 |
| Trueblood Rd, Pilot Rock Rd, Country Hill, Deerview Dr, Old Sawmill Rd, Woodland Ln, Lake St, State Hwy 1275 S, Cr-1600, Recycle Rd | $104,500 | $100,000 | $100,000-$125,000 | $103,500 | $100,000 | $75,000-$100,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$52 | $603 |
| Home and Two Car | -$111 | $544 |
| Home and Three Car | -$151 | $505 |
| 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 |
| Wayne County | $2,500 | $648 | $3,148 | $471 | $2,971 | $177 |
| Wayne County, KY | $1,000 | $648 | $1,648 | $471 | $1,471 | $177 |
| Jamestown, KY | $500 | $831 | $1,331 | $604 | $1,104 | $227 |
| Eli, KY | $1,500 | $676 | $2,176 | $491 | $1,991 | $185 |
| Nancy, KY | $400 | $661 | $1,061 | $481 | $881 | $181 |
| Jamestown, TN | $1,500 | $720 | $2,220 | $523 | $2,023 | $197 |
| Dunnville, KY | $200 | $677 | $877 | $492 | $692 | $185 |
| Helenwood, TN | $2,000 | $1,037 | $3,037 | $754 | $2,754 | $284 |
| Kettle-Peytonsburg, KY | $300 | $786 | $1,086 | $572 | $872 | $215 |
| Casey County, KY | $2,000 | $631 | $2,631 | $459 | $2,459 | $173 |
| Edmonton, KY | $100 | $674 | $774 | $490 | $590 | $184 |
| Crab Orchard, KY | $700 | $726 | $1,426 | $528 | $1,228 | $198 |
| Home Insurance Company Wayne County, KY | Homeowners Insurance Agency Wayne County, KY | Address | Popularity Score | Distance from Wayne County (miles) |
|---|---|---|---|---|
| State Farm | Wade Flowers | 235 Keen St, Burkesville, KY, 42717 | 30.0 | |
| State Farm | Phil Mcdonald | 1407 W 5th St, London, KY, 40741-1616 | 46.0 | |
| Travelers | First Insurance Group | 2520 S Highway 27, Somerset, KY, 42501 | 22.8 | |
| State Farm | Ken Keltner | 1002 E Broadway St Ste B, Campbellsvlle, KY, 42718-1510 | 46.9 | |
| Travelers | Davis Insurance Agency | 6040 North Highway 127, Albany, KY, 42602 | 18.3 | |
| Liberty Mutual Independent | Reed Brothers | 134 Public Sq, Columbia, KY, 42728 | 33.5 | |
| State Farm | Lisa Beard | 106 Plaza Dr, Albany, KY, 42602-1659 | 18.5 | |
| State Farm | Kenneth Ramsey | 950 N Main St, Monticello, KY, 42633-1583 | 2.7 | |
| State Farm | Brian Copas | 111 E 2nd St, Tompkinsville, KY, 42167-1601 | 48.4 | |
| State Farm | Jb Pitman Jr | 430 Ogden St Ste 4, Somerset, KY, 42501-1794 | 23.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $620 | $1,240 | $620 |
| Wayne County, KY | $81,400 | $656 | $450 | $930 | $480 |
| Wayne County, KY | $81,400 | $656 | $450 | $920 | $470 |
| Jamestown, KY | $114,300 | $841 | $600 | $1,150 | $550 |
| Eli, KY | $77,000 | $684 | $490 | $980 | $490 |
| Nancy, KY | $102,800 | $669 | $460 | $920 | $460 |
| Jamestown, TN | $68,700 | $729 | $500 | $1,010 | $510 |
| Dunnville, KY | $77,300 | $685 | $470 | $980 | $510 |
| Helenwood, TN | $154,000 | $1,050 | $720 | $1,490 | $770 |
| Kettle-Peytonsburg, KY | $102,600 | $796 | $550 | $1,120 | $570 |
| Casey County, KY | $77,600 | $639 | $440 | $890 | $450 |
| Edmonton, KY | $76,500 | $682 | $470 | $930 | $460 |
| Crab Orchard, KY | $88,000 | $735 | $540 | $1,020 | $480 |