Gavop's guide to buying homeowners insurance in Garrard 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 | $73,000 | $60,000 | $50,000-$75,000 |
| 3 Bedroom | $123,000 | $100,000 | $125,000-$150,000 |
| 4 Bedroom | $131,000 | $120,000 | $150,000-$175,000 |
| 5 Bedroom | $181,000 | $170,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$121 | $635 |
| Superior Protection Discount | -$68 | $688 |
| Fire & Security Discount | -$60 | $696 |
| Hail Resistant Roof Discount | -$15 | $741 |
| Newly Constructed Home Discount | -$174 | $582 |
| 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 |
| Garrard County | $700 | $747 | $1,447 | $543 | $1,243 | $204 |
| Garrard County, KY | $2,000 | $747 | $2,747 | $543 | $2,543 | $204 |
| Gravel Switch, KY | $500 | $703 | $1,203 | $511 | $1,011 | $192 |
| Lexington-Fayette Northeast, KY | $1,000 | $1,068 | $2,068 | $776 | $1,776 | $292 |
| East Bernstadt, KY | $200 | $610 | $810 | $443 | $643 | $167 |
| Clementsville, KY | $1,000 | $762 | $1,762 | $554 | $1,554 | $208 |
| Washington County, KY | $200 | $671 | $871 | $487 | $687 | $183 |
| Clay City, KY | $2,000 | $656 | $2,656 | $477 | $2,477 | $179 |
| Ferguson, KY | $300 | $732 | $1,032 | $532 | $832 | $200 |
| Greenmount-Langnau, KY | $1,500 | $707 | $2,207 | $514 | $2,014 | $193 |
| Keavy, KY | $400 | $632 | $1,032 | $459 | $859 | $173 |
| Bush, KY | $2,000 | $898 | $2,898 | $653 | $2,653 | $245 |
| Home Insurance Company Garrard County, KY | Homeowners Insurance Agency Garrard County, KY | Address | Popularity Score | Distance from Garrard County (miles) |
|---|---|---|---|---|
| Travelers | First Insurance Group | 2520 S Hwy 27, Somerset, KY, 42501 | 39.7 | |
| Travelers | The Elite Agency Inc | 2408 Sir Barton Wy Ste 375, Lexington, KY, 40509 | 28.4 | |
| State Farm | Debra Hensley | 1513 Nicholasville Rd, Lexington, KY, 40503-1409 | 27.3 | |
| Allstate | Rebecca Turner | 218 N Main St, Nicholasville, KY, 40356 | 17.4 | |
| Liberty Mutual Independent | Sullivan Insurance Agency | 635 N Broadway, Lexington, KY, 40508 | 29.6 | |
| State Farm | Clint Conrad | 201 Ruccio Way Ste 120, Lexington, KY, 40503-3584 | 25.1 | |
| State Farm | Rp Lopez | 2100 Lawrenceburg Rd, Frankfort, KY, 40601-7537 | 40.8 | |
| Travelers | Whitenack Souder Insurance | 204 S Main St, Harrodsburg, KY, 40330 | 18.6 | |
| State Farm | Brenda Harris | 114 Thompson St, Frankfort, KY, 40601-3206 | 42.6 | |
| Travelers | Greater Lexington Insurance Agency | 1066 Wellington Way, Lexington, KY, 40513 | 26.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $600 | $1,250 | $650 |
| Garrard County, KY | $131,000 | $756 | $510 | $1,050 | $540 |
| Garrard County, KY | $131,000 | $756 | $510 | $1,050 | $540 |
| Gravel Switch, KY | $83,000 | $712 | $490 | $980 | $490 |
| Lexington-Fayette Northeast, KY | $197,700 | $1,081 | $720 | $1,540 | $820 |
| East Bernstadt, KY | $72,800 | $618 | $440 | $850 | $410 |
| Clementsville, KY | $96,300 | $771 | $560 | $1,060 | $500 |
| Washington County, KY | $105,600 | $679 | $460 | $930 | $470 |
| Clay City, KY | $83,500 | $664 | $450 | $940 | $490 |
| Ferguson, KY | $89,500 | $741 | $540 | $1,040 | $500 |
| Greenmount-Langnau, KY | $83,900 | $716 | $520 | $1,020 | $500 |
| Keavy, KY | $94,000 | $639 | $440 | $910 | $470 |
| Bush, KY | $133,900 | $909 | $620 | $1,250 | $630 |