Gavop's guide to buying homeowners insurance in Martin 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 | $43,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $74,500 | $60,000 | $50,000-$75,000 |
| 3 Bedroom | $149,500 | $130,000 | $175,000-$200,000 |
| 4 Bedroom | $123,500 | $110,000 | $100,000-$125,000 |
| 5 Bedroom | $255,500 | $230,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$82 | $501 |
| Superior Protection Discount | -$52 | $531 |
| Fire & Security Discount | -$52 | $531 |
| Hail Resistant Roof Discount | -$17 | $566 |
| Newly Constructed Home Discount | -$146 | $437 |
| 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 |
| Martin County | $700 | $576 | $1,276 | $419 | $1,119 | $157 |
| Martin County, KY | $1,500 | $576 | $2,076 | $419 | $1,919 | $157 |
| Adams, KY | $200 | $622 | $822 | $452 | $652 | $170 |
| Coal Run Village, KY | $1,000 | $637 | $1,637 | $463 | $1,463 | $174 |
| Millard, KY | $300 | $666 | $966 | $484 | $784 | $182 |
| West Logan, WV | $1,500 | $616 | $2,116 | $447 | $1,947 | $168 |
| Royalton, KY | $300 | $432 | $732 | $314 | $614 | $118 |
| Lavalette, WV | $700 | $582 | $1,282 | $423 | $1,123 | $159 |
| Stafford, WV | $300 | $498 | $798 | $362 | $662 | $136 |
| McRoberts, KY | $1,000 | $586 | $1,586 | $426 | $1,426 | $160 |
| Hardshell, KY | $400 | $441 | $841 | $320 | $720 | $120 |
| Whitesburg, KY | $2,500 | $870 | $3,370 | $632 | $3,132 | $238 |
| Home Insurance Company Martin County, KY | Homeowners Insurance Agency Martin County, KY | Address | Popularity Score | Distance from Martin County (miles) |
|---|---|---|---|---|
| State Farm | Paul Pelphrey | 219 Broadway St, Paintsville, KY, 41240-1255 | 16.4 | |
| State Farm | Jennifer Reynolds | 145 Wedngtn Br Rd, Pikeville, KY, 41501-3204 | 18.9 | |
| State Farm | Bob Wages | 1019 State Route 716, Ashland, KY, 41102-8257 | 45.3 | |
| Allstate | Justice & Stamper | 5445 N Mayo Trl, Pikeville, KY, 41501 | 18.2 | |
| State Farm | Don Hillman | 209 E Perry St, Louisa, KY, 41230 | 22.7 | |
| State Farm | Scott Hester | 800 13th St, Ashland, KY, 41101-2638 | 47.4 | |
| State Farm | Ramona Salyer | 308 Horton St, Grayson, KY, 41143-1319 | 43.8 | |
| Allstate | John J. Ross Jr. | 4332 13th St Unit 1, Ashland, KY, 41102 | 46.1 | |
| State Farm | Gary Lowe | 3780 N Mayo Trl Ste 101, Pikeville, KY, 41501-9092 | 19.4 | |
| State Farm | Sam Doyle | 291 North Lake Drive, Prestonsburg, KY, 41653-1306 | 17.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $610 | $1,260 | $650 |
| Martin County, KY | $65,500 | $583 | $390 | $830 | $440 |
| Martin County, KY | $65,500 | $583 | $420 | $810 | $390 |
| Adams, KY | $66,200 | $630 | $430 | $890 | $460 |
| Coal Run Village, KY | $69,000 | $645 | $450 | $900 | $450 |
| Millard, KY | $74,900 | $674 | $450 | $950 | $500 |
| West Logan, WV | $83,100 | $623 | $420 | $890 | $470 |
| Royalton, KY | $32,900 | $437 | $300 | $620 | $320 |
| Lavalette, WV | $74,200 | $589 | $400 | $820 | $420 |
| Stafford, WV | $54,200 | $504 | $340 | $720 | $380 |
| McRoberts, KY | $59,200 | $593 | $400 | $840 | $440 |
| Hardshell, KY | $34,300 | $446 | $320 | $640 | $320 |
| Whitesburg, KY | $60,100 | $881 | $640 | $1,220 | $580 |