Gavop shows you how to buy homeowners insurance in Hart County, KY by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $41,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $103,500 | $90,000 | $75,000-$100,000 |
| 3 Bedroom | $136,500 | $130,000 | $150,000-$175,000 |
| 4 Bedroom | $237,500 | $200,000 | $250,000-$300,000 |
| 5 Bedroom | $160,000 | $150,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$111 | $581 |
| Superior Protection Discount | -$62 | $630 |
| Fire & Security Discount | -$76 | $616 |
| Hail Resistant Roof Discount | -$14 | $678 |
| Newly Constructed Home Discount | -$173 | $519 |
| 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 |
| Hart County | $1,500 | $684 | $2,184 | $497 | $1,997 | $187 |
| Hart County, KY | $2,000 | $684 | $2,684 | $497 | $2,497 | $187 |
| Summersville, KY | $400 | $667 | $1,067 | $485 | $885 | $182 |
| Center, KY | $2,000 | $687 | $2,687 | $499 | $2,499 | $188 |
| McDaniels-Hudson, KY | $400 | $666 | $1,066 | $484 | $884 | $182 |
| Adair County, KY | $1,500 | $666 | $2,166 | $484 | $1,984 | $182 |
| Greencastle, KY | $500 | $860 | $1,360 | $625 | $1,125 | $235 |
| Mannsville, KY | $1,500 | $790 | $2,290 | $574 | $2,074 | $216 |
| Glen Dean-Vanzant, KY | $500 | $799 | $1,299 | $581 | $1,081 | $218 |
| Hardinsburg, KY | $1,000 | $663 | $1,663 | $482 | $1,482 | $181 |
| Bryan, KY | $200 | $761 | $961 | $553 | $753 | $208 |
| West Point, KY | $2,500 | $579 | $3,079 | $421 | $2,921 | $158 |
| Home Insurance Company Hart County, KY | Homeowners Insurance Agency Hart County, KY | Address | Popularity Score | Distance from Hart County (miles) |
|---|---|---|---|---|
| State Farm | Charlie Haydon | 130 W Depot St, Springfield, KY, 40069-1159 | 44.3 | |
| Travelers | The Lancaster Agency Inc | 121 E Main St, Lebanon, KY, 40033 | 38.9 | |
| State Farm | Travis Easterling | 1002 Granite Dr Ste 101, Bardstown, KY, 40004-2076 | 42.8 | |
| State Farm | Lowell Myers | 1729 Highway 44 East, Shepherdsville, KY, 40165-7146 | 48.5 | |
| Travelers | Larue Insurance Inc | 1297 Springfield Road, Bardstown, KY, 40004 | 41.2 | |
| Travelers | La Rue Insurance Inc | 54 Lincoln Square, Hodgenville, KY, 42748 | 19.6 | |
| Travelers | Lee & Marshall Insurance Inc | 143 S Buckman St, Shepherdsville, KY, 40165 | 47.5 | |
| State Farm | Jim Hagan | 225 W John Rowan Blvd, Bardstown, KY, 40004-2642 | 42.0 | |
| State Farm | Jim Skees | 1317 N Dixie Hwy, Elizabethtown, KY, 42701-2621 | 28.1 | |
| State Farm | Dave Voglund | 1460 N Dixie, Radcliff, KY, 40160-1476 | 37.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $640 | $1,250 | $610 |
| Hart County, KY | $90,200 | $692 | $470 | $980 | $510 |
| Hart County, KY | $90,200 | $692 | $500 | $980 | $480 |
| Summersville, KY | $75,200 | $675 | $450 | $970 | $520 |
| Center, KY | $79,300 | $695 | $490 | $970 | $480 |
| McDaniels-Hudson, KY | $104,000 | $674 | $460 | $920 | $460 |
| Adair County, KY | $85,900 | $674 | $480 | $920 | $440 |
| Greencastle, KY | $122,200 | $870 | $630 | $1,200 | $570 |
| Mannsville, KY | $103,600 | $800 | $580 | $1,130 | $550 |
| Glen Dean-Vanzant, KY | $105,900 | $809 | $560 | $1,120 | $560 |
| Hardinsburg, KY | $103,300 | $671 | $480 | $950 | $470 |
| Bryan, KY | $96,100 | $770 | $550 | $1,090 | $540 |
| West Point, KY | $57,900 | $586 | $400 | $830 | $430 |