Gavop's guide to buying homeowners insurance in Ashland, 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 | $50,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $102,000 | $80,000 | $100,000-$125,000 |
| 3 Bedroom | $169,000 | $150,000 | $175,000-$200,000 |
| 4 Bedroom | $159,000 | $150,000 | $150,000-$175,000 |
| 5 Bedroom | $247,000 | $220,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$89 | $549 |
| Superior Protection Discount | -$64 | $575 |
| Fire & Security Discount | -$45 | $594 |
| Hail Resistant Roof Discount | -$19 | $619 |
| Newly Constructed Home Discount | -$185 | $453 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $7,536 |
| Hail Damage | $5,533 |
| Wind Damage | $10,116 |
| Expensive Claims | |
| Fire | $36,771 |
| Accidental Discharge/Leakage | $8,711 |
| Optional Coverage Losses | $7,826 |
| Home Insurance Company Ashland, KY | Homeowners Insurance Agency Ashland, KY | Address | Popularity Score | Distance from Ashland (miles) |
|---|---|---|---|---|
| State Farm | Paul Pelphrey | 219 Broadway St, Paintsville, KY, 41240-1255 | 45.8 | |
| State Farm | Steve Barker | 519 W Main St, Morehead, KY, 40351-1539 | 47.0 | |
| State Farm | Bob Wages | 1019 State Route 716, Ashland, KY, 41102-8257 | 3.0 | |
| Travelers | Trademark Insurance | 264 Old Flemingsburg Rd, Morehead, KY, 40351 | 47.1 | |
| Allstate | Wells & Middleton | 2019 Ashland Rd, Greenup, KY, 41144 | 11.1 | |
| Travelers | Wells & Middleton Insurance Inc | 2019 Ashland Rd, Greenup, KY, 41144 | 10.6 | |
| State Farm | Don Hillman | 209 E Perry St, Louisa, KY, 41230 | 24.3 | |
| Travelers | Wells & Middleton Insurance Inc | 2019 Ashland Road, Greenup, KY, 41144 | 11.1 | |
| State Farm | Scott Hester | 800 13th St, Ashland, KY, 41101-2638 | 0.9 | |
| State Farm | Ramona Salyer | 308 Horton St, Grayson, KY, 41143-1319 | 18.3 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $650 | $1,230 | $580 |
| Boyd County, KY | $103,900 | $778 | $540 | $1,100 | $560 |
| Ashland, KY | $93,900 | $638 | $460 | $890 | $430 |
| Boyd County, KY | $103,900 | $778 | $570 | $1,080 | $510 |
| Willard, KY | $72,300 | $661 | $460 | $940 | $480 |
| Oak Hill, OH | $67,400 | $522 | $360 | $730 | $370 |
| McDermott, OH | $69,200 | $528 | $390 | $760 | $370 |
| Point Pleasant, WV | $80,800 | $615 | $420 | $850 | $430 |
| Eleanor, WV | $148,900 | $827 | $560 | $1,140 | $580 |
| Buffalo-Union, WV | $108,400 | $661 | $480 | $910 | $430 |
| Warfield, KY | $58,200 | $588 | $430 | $830 | $400 |
| Cooper, WV | $95,700 | $669 | $470 | $920 | $450 |
| Waggener, WV | $65,300 | $552 | $400 | $770 | $370 |