Gavop's guide to buying homeowners insurance in Morgan 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.
| Morgan County, 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 | |
| Blaze Rd, Coffee Creek Rd, Pomeroyton Rd, Cs-1033, Bill Smith Rd, State Hwy 172, Cs-1027, May Branch Rd, Meeting House Rd, Green Briar Rd | $131,500 | $110,000 | $125,000-$150,000 | $118,500 | $110,000 | $100,000-$125,000 |
| State Hwy 437, Bolin Branch Rd, Hwy 460 W, Henry St, Gardner Dr, Rockhouse Branch Rd, Hwy 203, Stamper Ln, Sandlick Rd, Hwy 882 | $55,000 | $50,000 | $25,000-$50,000 | $39,000 | $40,000 | $25,000-$50,000 |
| Cr 1381, Cs-1031, Co Rd 1715, Girl Scout Camp Rd, Hwy 976, Upper Sandlick Rd, Poynter Ln, Cr-1071, Knocking Cave Rd, Cr-1459 | $99,000 | $90,000 | $100,000-$125,000 | $71,000 | $60,000 | $50,000-$75,000 |
| Denniston Rd, Spaws Creek Rd, Strong Br Rd, Indian Creek Rd, Fe Gevedon Branch Rd, Steele Branch Rd, Jr Stevens Br, Cr-1137, Doc Ison Rd, Lee Roark Rd | $79,000 | $60,000 | $75,000-$100,000 | $63,500 | $50,000 | $50,000-$75,000 |
| Hog Branch Rd, Tower Hill Ln, Woodside Ln, Prestonburg St, Cr-1174, Anderson Ln, Main St, Ferguson Branch Rd, Virginia Ln, Tree Nursery Rd | $117,000 | $110,000 | $100,000-$125,000 | $65,000 | $50,000 | $50,000-$75,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$51 | $587 |
| Home and Two Car | -$102 | $536 |
| Home and Three Car | -$147 | $491 |
| 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 |
| Morgan County | $1,000 | $630 | $1,630 | $458 | $1,458 | $172 |
| Morgan County, KY | $700 | $630 | $1,330 | $458 | $1,158 | $172 |
| Blaine, KY | $400 | $583 | $983 | $424 | $824 | $159 |
| Rousseau, KY | $2,500 | $429 | $2,929 | $312 | $2,812 | $117 |
| Auxier, KY | $300 | $673 | $973 | $489 | $789 | $184 |
| Powell County, KY | $1,000 | $640 | $1,640 | $465 | $1,465 | $175 |
| Booneville, KY | $400 | $661 | $1,061 | $480 | $880 | $181 |
| Inez, KY | $2,500 | $629 | $3,129 | $457 | $2,957 | $172 |
| Cowcreek, KY | $200 | $513 | $713 | $373 | $573 | $140 |
| Catlettsburg, KY | $2,500 | $632 | $3,132 | $460 | $2,960 | $173 |
| Ashland, KY | $2,000 | $631 | $2,631 | $458 | $2,458 | $172 |
| Home Insurance Company Morgan County, KY | Homeowners Insurance Agency Morgan County, KY | Address | Popularity Score | Distance from Morgan County (miles) |
|---|---|---|---|---|
| Travelers | Vince Wells Insurance | 110 South Broadway, Carlisle, KY, 40311 | 49.7 | |
| State Farm | Bob Wages | 1019 State Route 716, Ashland, KY, 41102-8257 | 46.8 | |
| State Farm | Jennifer Reynolds | 145 Wedngtn Br Rd, Pikeville, KY, 41501-3204 | 46.7 | |
| Allstate | John J. Ross Jr. | 4332 13th St Unit 1, Ashland, KY, 41102 | 48.4 | |
| State Farm | Laura Feltner | 117 Corporate Dr Ste 103, Hazard, KY, 41701-8267 | 43.5 | |
| State Farm | Gary Lowe | 3780 N Mayo Trl Ste 101, Pikeville, KY, 41501-9092 | 47.0 | |
| State Farm | Donna Payne | 501 Willin Way, Mount Sterling, KY, 40353-1495 | 37.9 | |
| State Farm | Fred Crump | 621 Helena Road, Flemingsburg, KY, 41041-7948 | 44.2 | |
| Liberty Mutual Independent | The Elite Agency Inc | 2708 Louisa Street, Catlettsburg, KY, 41129 | 49.5 | |
| Nationwide | Curtis Daniel Owens | 101 Jb Shannon Dr Ste D, Flemingsburg, KY, 41041 | 43.5 |
| 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 |
| Morgan County, KY | $77,500 | $638 | $460 | $870 | $410 |
| Morgan County, KY | $77,500 | $638 | $460 | $910 | $450 |
| Blaine, KY | $58,600 | $590 | $420 | $830 | $410 |
| Rousseau, KY | $32,400 | $434 | $290 | $600 | $310 |
| Auxier, KY | $76,300 | $681 | $490 | $960 | $470 |
| Powell County, KY | $79,800 | $648 | $430 | $930 | $500 |
| Booneville, KY | $74,000 | $669 | $480 | $930 | $450 |
| Inez, KY | $77,300 | $637 | $430 | $900 | $470 |
| Cowcreek, KY | $46,200 | $519 | $370 | $730 | $360 |
| Catlettsburg, KY | $94,300 | $640 | $460 | $890 | $430 |
| Ashland, KY | $93,900 | $638 | $430 | $910 | $480 |