Gavop's guide to buying homeowners insurance in Knox 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.
| Knox 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 | |
| Bauer Dr, Tinsley Rd, Silver Creek Ln, Primrose Dr, Pritchard Branch Rd, Elm St, Wilson Branch Rd, Burr Oak Dr, Sherwood Dr, Evans Cemetery Rd | $95,500 | $90,000 | $75,000-$100,000 | $82,000 | $70,000 | $50,000-$75,000 |
| Stonybrook Dr, Lee Cemetery Rd, Church St, Grey Foley, Creek Mart Rd, Pembrook Ct, Wall St, Cr-1529, Cr-1322-20, Brandon Ln | $111,000 | $100,000 | $100,000-$125,000 | $48,000 | $40,000 | $25,000-$50,000 |
| Laurel Creek Rd, Cr-1143F, Cr-1636, Cr-1821, E Rocky Branch, P Shore Ln, Red Gate Dr, Edgewood Ln, Cr-1084, Cr-1331C | $98,500 | $90,000 | $75,000-$100,000 | $103,000 | $90,000 | $75,000-$100,000 |
| Stonegate Dr, Happy Hollow, Morris Branch Rd, N Knox Ave, Mackey Cemetery Rd, Higgins Hollow Rd, Cr-1134E, Kings High Dr, Cr-1494, Robin Rd | $117,500 | $110,000 | $100,000-$125,000 | $114,000 | $110,000 | $100,000-$125,000 |
| Diablo Dr, Petersburg Ln, Rickett Branch Rd, Campground Rd, Carnes Ln, Lake Ave, Lynn View Rd, Rucker Ln, Hale Ln, Crane Nest | $92,500 | $90,000 | $75,000-$100,000 | $114,000 | $100,000 | $100,000-$125,000 |
| State Hwy 3441, Ringneck Ln, Ky 6, Patterson Rd, Granville Corner Loop, Cr-1444, Ky-1304, Buffalo Branch Rd, Cr-1246, N Standard Ave | $77,500 | $70,000 | $75,000-$100,000 | $65,000 | $50,000 | $75,000-$100,000 |
| Commonwealth Ave, Liberty St, Cr-1516F, Dizney Rd, Johnny Mills Cemetery Rd, Doan Dr, McVey-bowling Dr, Seminole Dr, Keck Rd, Greenbriar Branch Rd | $79,500 | $70,000 | $75,000-$100,000 | $61,000 | $50,000 | $50,000-$75,000 |
| Jenny Ln, Sycamore Ave, Campbell St, Hwy 1530, Crit Gamble Ln, Jackson St, Ponderosa Dr, Sharps Gap Rd, State Hwy 459, Foxwood Dr | $153,500 | $150,000 | $125,000-$150,000 | $93,000 | $80,000 | $75,000-$100,000 |
| Waynes Rd, Cr-1081, Ascott Rd, Candi Brook Ln, Fargo Dr, Game Cock Dr, Cr-1034, Holt Ave, Green St, Autumn Woods Loop | $85,500 | $70,000 | $75,000-$100,000 | $61,500 | $60,000 | $50,000-$75,000 |
| Van Beber Ct, Swan Lake Rd, Gilbert St, Church St, Ky-1418, Cr-1238, Rolling Brook Dr, Sugar Camp Rd, Poke Salad Branch Rd, Wilder Dr | $131,000 | $120,000 | $125,000-$150,000 | $92,000 | $80,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$113 | $550 |
| Superior Protection Discount | -$60 | $603 |
| Fire & Security Discount | -$73 | $590 |
| Hail Resistant Roof Discount | -$20 | $643 |
| Newly Constructed Home Discount | -$159 | $504 |
| 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 |
| Knox County | $2,000 | $655 | $2,655 | $476 | $2,476 | $179 |
| Knox County, KY | $2,500 | $655 | $3,155 | $476 | $2,976 | $179 |
| Gray, KY | $100 | $589 | $689 | $428 | $528 | $161 |
| Bryants Store, KY | $1,500 | $574 | $2,074 | $417 | $1,917 | $157 |
| Sibert-Hima, KY | $100 | $527 | $627 | $383 | $483 | $144 |
| Cumberland Falls, KY | $2,500 | $617 | $3,117 | $449 | $2,949 | $169 |
| Stearns-Whitley City, KY | $300 | $855 | $1,155 | $621 | $921 | $234 |
| Poor Fork, KY | $1,500 | $626 | $2,126 | $455 | $1,955 | $171 |
| Krypton, KY | $400 | $659 | $1,059 | $479 | $879 | $180 |
| Diablock, KY | $1,000 | $778 | $1,778 | $565 | $1,565 | $212 |
| Bean Station, TN | $700 | $810 | $1,510 | $589 | $1,289 | $221 |
| Home Insurance Company Knox County, KY | Homeowners Insurance Agency Knox County, KY | Address | Popularity Score | Distance from Knox County (miles) |
|---|---|---|---|---|
| Travelers | First Insurance Group | 2520 S Hwy 27, Somerset, KY, 42501 | 44.1 | |
| State Farm | Chad Smallwood | 645 S Highway 27 Ste 6, Somerset, KY, 42501-3507 | 44.3 | |
| Travelers | First Insurance Group | 2520 S Highway 27, Somerset, KY, 42501 | 44.2 | |
| Allstate | Charles Cromer | 705 W Highway 80, Somerset, KY, 42503 | 45.5 | |
| Allstate | Kelly Horseman | 312b Sallee St, Somerset, KY, 42501 | 44.2 | |
| Travelers | Mathis Insurance Agency Inc | 1340 S Hwy 27 Ste A, Somerset, KY, 42501 | 44.1 | |
| State Farm | Tom Blair | 515 Master St, Corbin, KY, 40701-1055 | 13.7 | |
| State Farm | Randy Kidd | 1755 N Hwy 27, Whitley City, KY, 42653 | 35.7 | |
| State Farm | Teresa Jackson | 912 W Main St, Mount Vernon, KY, 40456-2504 | 42.4 | |
| State Farm | Don Moss | 604 Ogden St Ste 201, Somerset, KY, 42501-1718 | 44.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $650 | $1,250 | $600 |
| Knox County, KY | $76,900 | $663 | $480 | $950 | $470 |
| Knox County, KY | $76,900 | $663 | $450 | $910 | $460 |
| Gray, KY | $59,700 | $596 | $430 | $850 | $420 |
| Bryants Store, KY | $56,900 | $581 | $400 | $800 | $400 |
| Sibert-Hima, KY | $48,600 | $533 | $380 | $750 | $370 |
| Cumberland Falls, KY | $74,500 | $625 | $430 | $870 | $440 |
| Stearns-Whitley City, KY | $58,000 | $866 | $580 | $1,190 | $610 |
| Poor Fork, KY | $66,900 | $634 | $460 | $910 | $450 |
| Krypton, KY | $73,600 | $667 | $480 | $930 | $450 |
| Diablock, KY | $100,300 | $787 | $530 | $1,090 | $560 |
| Bean Station, TN | $88,000 | $820 | $570 | $1,130 | $560 |