Gavop's guide to buying homeowners insurance in Whitesburg, 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.
| Whitesburg, 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 | |
| Walk Rd, Bartesta Branch, Circle Dr, George B Branch Rd, Boatwright Dr, Sturgill Branch, Easy St, Heritage Rd, Evergreen Ridge, Nickles Dr | $89,500 | $80,000 | $75,000-$100,000 | $93,500 | $90,000 | $100,000-$125,000 |
| Brown St, Allen Branch, Elpaso Dr, Sergent Rd, Sergent Loop, Morris Rd, Cr-1152A-31, Bentley Ave, Cr-1784, Cr-1391 | $81,500 | $70,000 | $50,000-$75,000 | $77,000 | $60,000 | $50,000-$75,000 |
| Fairchild Dr, State Hwy 2034, Little Dry Fork Rd, Maple St, Bridge Loop, Wren Rd, Circle Dr, Fairview Dr, Hammonds Branch Rd, Foothills Rd | $144,500 | $130,000 | $150,000-$175,000 | $78,000 | $60,000 | $75,000-$100,000 |
| Pine Mountain Rd, Downhill Dr, Mayking Btm, Cr-1613, Marlowe Rd, Rainbow Dr, Andrew Ln, Della Dr, Cr-1823, Dale Sackett Loop | $57,000 | $50,000 | $25,000-$50,000 | $41,000 | $30,000 | $25,000-$50,000 |
| Safari Dr, E Main St, Cr-1571, Cumberland Rd, Amber Ln, Cr-1598, Cr-1716Q4, Copperhead Rd, Cow Branch Rd, Bull Hole Rd | $122,000 | $110,000 | $125,000-$150,000 | $70,000 | $60,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$141 | $740 |
| Superior Protection Discount | -$88 | $793 |
| Fire & Security Discount | -$62 | $819 |
| Hail Resistant Roof Discount | -$18 | $863 |
| Newly Constructed Home Discount | -$176 | $704 |
| 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 |
| Letcher County | $700 | $863 | $1,563 | $627 | $1,327 | $236 |
| Whitesburg, KY | $1,500 | $870 | $2,370 | $632 | $2,132 | $238 |
| Pound, VA | $400 | $380 | $780 | $276 | $676 | $104 |
| Benham, KY | $1,500 | $543 | $2,043 | $395 | $1,895 | $149 |
| Wise, VA | $500 | $623 | $1,123 | $453 | $953 | $170 |
| Norton, VA | $2,500 | $509 | $3,009 | $370 | $2,870 | $139 |
| Upper Clover Fork, KY | $1,000 | $541 | $1,541 | $393 | $1,393 | $148 |
| Pennington Gap, VA | $300 | $440 | $740 | $320 | $620 | $120 |
| Allen, KY | $1,500 | $431 | $1,931 | $313 | $1,813 | $118 |
| Risner, KY | $100 | $622 | $722 | $452 | $552 | $170 |
| Phelps, KY | $2,500 | $603 | $3,103 | $438 | $2,938 | $165 |
| Home Insurance Company Whitesburg, KY | Homeowners Insurance Agency Whitesburg, KY | Address | Popularity Score | Distance from Whitesburg (miles) |
|---|---|---|---|---|
| State Farm | Paul Pelphrey | 219 Broadway St, Paintsville, KY, 41240-1255 | 46.7 | |
| State Farm | Jennifer Reynolds | 145 Wedngtn Br Rd, Pikeville, KY, 41501-3204 | 30.6 | |
| Allstate | Melissa Crowdus | 3767 N Mayo Trl Ste 5, Pikeville, KY, 41501 | 30.2 | |
| Allstate | Justice & Stamper | 5445 N Mayo Trl, Pikeville, KY, 41501 | 31.1 | |
| State Farm | Laura Feltner | 117 Corporate Dr Ste 103, Hazard, KY, 41701-8267 | 24.1 | |
| State Farm | Gary Lowe | 3780 N Mayo Trl Ste 101, Pikeville, KY, 41501-9092 | 30.2 | |
| State Farm | Sam Doyle | 291 North Lake Drive, Prestonsburg, KY, 41653-1306 | 37.1 | |
| Nationwide | Athea Jean Blackburn Agency | 147 Hibbard St, Pikeville, KY, 41501 | 28.7 | |
| Travelers | Frazier Insurance Agency | 409 W Main St, Cumberland, KY, 40823 | 14.3 | |
| Travelers | Harris Ins Agcy Inc | 118 Eversole Street, Harlan, KY, 40831 | 33.8 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $650 | $1,240 | $590 |
| Letcher County, KY | $58,500 | $873 | $580 | $1,230 | $650 |
| Whitesburg, KY | $60,100 | $881 | $600 | $1,210 | $610 |
| Pound, VA | $69,800 | $385 | $280 | $530 | $250 |
| Benham, KY | $51,400 | $550 | $370 | $790 | $420 |
| Wise, VA | $117,100 | $631 | $460 | $890 | $430 |
| Norton, VA | $92,500 | $515 | $370 | $710 | $340 |
| Upper Clover Fork, KY | $51,200 | $548 | $370 | $770 | $400 |
| Pennington Gap, VA | $79,800 | $445 | $310 | $640 | $330 |
| Allen, KY | $32,800 | $436 | $300 | $620 | $320 |
| Risner, KY | $66,100 | $630 | $430 | $900 | $470 |
| Phelps, KY | $62,400 | $610 | $410 | $870 | $460 |