Gavop's guide to buying homeowners insurance in Hardinsburg, 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.
| Hardinsburg, 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 | |
| Ephesus Cemetery Rd, W Butler Ln, Hobbs Rd, Nancy Butler Ln, Ridgewood Rd, Miller Ln, N Tower St, Oak Tree Trail Ln, S Tower St, Kingswood Orchard Rd | $91,000 | $90,000 | $75,000-$100,000 | $93,000 | $90,000 | $75,000-$100,000 |
| Burton Dowell Rd, Tom Critchelow Rd, High St, Tules Creek Rd, Hwy 259 S, E 4th St, Ansel-Horsley Rd, Bobby Haynes Rd, Aldridge Ln, E 2nd St | $78,000 | $70,000 | $50,000-$75,000 | $74,500 | $70,000 | $75,000-$100,000 |
| Odonoghue Glenn Ln, E 6th St, Quail Run Rd, Hwy 1401, Ansel Horsley Ln, A H Wilson Rd, S Main St, Kingswood Lake Ln, Monarch Home Rd, State Hwy 1740 | $145,500 | $120,000 | $150,000-$175,000 | $84,500 | $80,000 | $75,000-$100,000 |
| Jim Spencer Rd, Central, Hershel Armes Ln, Rocky Hill Rd, Styles-Pyles Rd, Oak Tree Trl, Blacks Hill Ln, Cr-1806, Cr-1802, Foggy Bottom Ln | $100,000 | $90,000 | $75,000-$100,000 | $55,500 | $50,000 | $50,000-$75,000 |
| R Whitfill Ln, W 3rd St, Woodside Dr, Plainview St, Cr-1282, Home Place Ln, Oreilly Tate Ln, Chambliss Cir, Cs-1087, Stonehill Ford Ln | $82,500 | $80,000 | $75,000-$100,000 | $82,000 | $70,000 | $50,000-$75,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$94 | $577 |
| Superior Protection Discount | -$60 | $611 |
| Fire & Security Discount | -$74 | $597 |
| Hail Resistant Roof Discount | -$20 | $651 |
| Newly Constructed Home Discount | -$134 | $537 |
| 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 |
| Breckinridge County | $2,000 | $636 | $2,636 | $462 | $2,462 | $174 |
| Hardinsburg, KY | $2,000 | $663 | $2,663 | $482 | $2,482 | $181 |
| Hancock County, KY | $400 | $682 | $1,082 | $496 | $896 | $186 |
| Flaherty, KY | $700 | $762 | $1,462 | $554 | $1,254 | $208 |
| Laconia, IN | $500 | $665 | $1,165 | $483 | $983 | $182 |
| Huff, IN | $700 | $785 | $1,485 | $571 | $1,271 | $215 |
| Grandview, IN | $100 | $662 | $762 | $481 | $581 | $181 |
| Centertown, KY | $1,000 | $544 | $1,544 | $396 | $1,396 | $149 |
| Morgantown, KY | $200 | $700 | $900 | $508 | $708 | $191 |
| Louisville South, KY | $2,000 | $758 | $2,758 | $551 | $2,551 | $207 |
| Pioneer Village, KY | $200 | $939 | $1,139 | $682 | $882 | $257 |
| Horse Cave, KY | $2,000 | $680 | $2,680 | $494 | $2,494 | $186 |
| Home Insurance Company Hardinsburg, KY | Homeowners Insurance Agency Hardinsburg, KY | Address | Popularity Score | Distance from Hardinsburg (miles) |
|---|---|---|---|---|
| Travelers | Claude Reynolds Insurance Agency Inc | 6801 Dixie Hwy Ste 232, Louisville, KY, 40258 | 41.5 | |
| State Farm | Daniel Dick | 3101 Alvey Park Dr E Ste B, Owensboro, KY, 42303-2130 | 34.6 | |
| Travelers | Sc Insurance Llc | 600 W Main St Ste 500, Louisville, KY, 40202 | 49.4 | |
| Liberty Mutual Independent | Wessel Insurance Agency | 4101 Cane Run Rd, Louisville, KY, 40216 | 44.1 | |
| Liberty Mutual Independent | Wessel Insurance Agency | 4101 Cane Run Rd, Louisville, KY, 40216 | 44.1 | |
| State Farm | Jeremy Graham | 5438 New Cut Rd Ste 102, Louisville, KY, 40214-4544 | 44.0 | |
| State Farm | Matt Miller | 8321 Preston Hwy, Louisville, KY, 40219-5309 | 47.7 | |
| State Farm | Justin Roper | 8800 Dixie Hwy Ste B, Louisville, KY, 40258-1059 | 39.7 | |
| State Farm | Joe Bell Jr | 4016 Preston Hwy, Louisville, KY, 40213-1612 | 47.9 | |
| State Farm | Vince Jarboe | 5101 New Cut Rd, Louisville, KY, 40214-2738 | 44.5 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $600 | $1,230 | $630 |
| Breckinridge County, KY | $95,200 | $643 | $440 | $890 | $450 |
| Hardinsburg, KY | $103,300 | $671 | $480 | $920 | $440 |
| Hancock County, KY | $109,100 | $690 | $500 | $980 | $480 |
| Flaherty, KY | $136,700 | $771 | $530 | $1,090 | $560 |
| Laconia, IN | $80,000 | $673 | $460 | $950 | $490 |
| Huff, IN | $113,400 | $795 | $530 | $1,090 | $560 |
| Grandview, IN | $79,400 | $670 | $460 | $920 | $460 |
| Centertown, KY | $51,700 | $551 | $400 | $760 | $360 |
| Morgantown, KY | $82,100 | $708 | $510 | $1,000 | $490 |
| Louisville South, KY | $95,500 | $767 | $530 | $1,080 | $550 |
| Pioneer Village, KY | $147,000 | $950 | $690 | $1,310 | $620 |
| Horse Cave, KY | $89,200 | $688 | $470 | $940 | $470 |