Gavop's guide to buying homeowners insurance in Harlan 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $37,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $89,500 | $80,000 | $75,000-$100,000 |
| 3 Bedroom | $125,000 | $110,000 | $100,000-$125,000 |
| 4 Bedroom | $105,000 | $100,000 | $100,000-$125,000 |
| 5 Bedroom | $114,000 | $100,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$156 | $710 |
| Superior Protection Discount | -$87 | $779 |
| Fire & Security Discount | -$69 | $796 |
| Hail Resistant Roof Discount | -$17 | $848 |
| Newly Constructed Home Discount | -$199 | $666 |
| 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 |
| Harlan County | $2,500 | $855 | $3,355 | $621 | $3,121 | $234 |
| Harlan County, KY | $700 | $855 | $1,555 | $621 | $1,321 | $234 |
| St. Charles, VA | $400 | $9 | $409 | $6 | $406 | $2 |
| Benham, KY | $2,500 | $543 | $3,043 | $395 | $2,895 | $149 |
| Artemus, KY | $2,000 | $707 | $2,707 | $514 | $2,514 | $193 |
| Knox County, KY | $400 | $655 | $1,055 | $476 | $876 | $179 |
| Trosper, KY | $2,500 | $427 | $2,927 | $310 | $2,810 | $117 |
| Sibert-Hima, KY | $500 | $527 | $1,027 | $383 | $883 | $144 |
| Jenkins, KY | $1,500 | $855 | $2,355 | $621 | $2,121 | $234 |
| Wheelwright, KY | $200 | $472 | $672 | $343 | $543 | $129 |
| Nickelsville, VA | $1,000 | $567 | $1,567 | $412 | $1,412 | $155 |
| Home Insurance Company Harlan County, KY | Homeowners Insurance Agency Harlan County, KY | Address | Popularity Score | Distance from Harlan County (miles) |
|---|---|---|---|---|
| State Farm | Justin Mays | 1509 Us Highway 25 E, Middlesboro, KY, 40965-1862 | 31.2 | |
| State Farm | Chad Shannon | 473 N 12th St, Middlesboro, KY, 40965-1133 | 31.6 | |
| Liberty Mutual Independent | Insurance Service Center | 100 N Kentucky Ave, Corbin, KY, 40701 | 48.9 | |
| State Farm | Tom Blair | 515 Master St, Corbin, KY, 40701-1055 | 48.5 | |
| State Farm | Laura Feltner | 117 Corporate Dr Ste 103, Hazard, KY, 41701-8267 | 30.0 | |
| State Farm | Jeffrey Branum | 109 Union St, Barbourville, KY, 40906-1348 | 36.6 | |
| State Farm | Mike Sparks | 1121 S Main St, Corbin, KY, 40701-1809 | 48.6 | |
| Nationwide | Gary A Campbell Insurance Agency Inc | 110 Court Square, Barbourville, KY, 40906 | 37.0 | |
| Travelers | Frazier Insurance Agency | 409 W Main St, Cumberland, KY, 40823 | 15.0 | |
| Travelers | Middlefork Insurance Agcy Inc | 22023 Main St, Hyden, KY, 41749 | 22.5 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $650 | $1,280 | $630 |
| Harlan County, KY | $53,500 | $866 | $600 | $1,240 | $640 |
| Harlan County, KY | $53,500 | $866 | $610 | $1,240 | $630 |
| St. Charles, VA | $20,500 | $9 | $10 | $10 | $0 |
| Benham, KY | $51,400 | $550 | $400 | $780 | $380 |
| Artemus, KY | $83,900 | $716 | $490 | $980 | $490 |
| Knox County, KY | $76,900 | $663 | $460 | $910 | $450 |
| Trosper, KY | $32,100 | $432 | $320 | $600 | $280 |
| Sibert-Hima, KY | $48,600 | $533 | $380 | $750 | $370 |
| Jenkins, KY | $54,100 | $866 | $580 | $1,240 | $660 |
| Wheelwright, KY | $39,400 | $478 | $340 | $650 | $310 |
| Nickelsville, VA | $104,300 | $574 | $410 | $800 | $390 |