Gavop's guide to buying homeowners insurance in Flatwoods-Russell, 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 | $38,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $59,000 | $50,000 | $50,000-$75,000 |
| 3 Bedroom | $117,000 | $110,000 | $100,000-$125,000 |
| 4 Bedroom | $104,500 | $90,000 | $75,000-$100,000 |
| 5 Bedroom | $196,000 | $180,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$97 | $598 |
| Superior Protection Discount | -$63 | $633 |
| Fire & Security Discount | -$63 | $633 |
| Hail Resistant Roof Discount | -$21 | $675 |
| Newly Constructed Home Discount | -$139 | $556 |
| 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 |
| Greenup County | $700 | $766 | $1,466 | $556 | $1,256 | $209 |
| Russell, KY | $1,500 | $687 | $2,187 | $499 | $1,999 | $188 |
| Grayson, KY | $400 | $687 | $1,087 | $499 | $899 | $188 |
| Proctorville, OH | $2,000 | $558 | $2,558 | $406 | $2,406 | $153 |
| New Boston, OH | $500 | $481 | $981 | $350 | $850 | $131 |
| Stonewall, WV | $2,000 | $700 | $2,700 | $509 | $2,509 | $191 |
| Hurricane, WV | $100 | $694 | $794 | $504 | $604 | $190 |
| Wellston, OH | $1,500 | $674 | $2,174 | $490 | $1,990 | $184 |
| Teays Valley, WV | $300 | $809 | $1,109 | $588 | $888 | $221 |
| Meigs, OH | $2,500 | $606 | $3,106 | $440 | $2,940 | $166 |
| Adams County, OH | $300 | $691 | $991 | $502 | $802 | $189 |
| Home Insurance Company Russell, KY | Homeowners Insurance Agency Russell, KY | Address | Popularity Score | Distance from Russell (miles) |
|---|---|---|---|---|
| State Farm | Paul Pelphrey | 219 Broadway St, Paintsville, KY, 41240-1255 | 48.8 | |
| State Farm | Steve Barker | 519 W Main St, Morehead, KY, 40351-1539 | 45.7 | |
| State Farm | Bob Wages | 1019 State Route 716, Ashland, KY, 41102-8257 | 5.6 | |
| Travelers | Trademark Insurance | 264 Old Flemingsburg Rd, Morehead, KY, 40351 | 45.8 | |
| Allstate | Wells & Middleton | 2019 Ashland Rd, Greenup, KY, 41144 | 6.4 | |
| Travelers | Wells & Middleton Insurance Inc | 2019 Ashland Rd, Greenup, KY, 41144 | 5.8 | |
| State Farm | Don Hillman | 209 E Perry St, Louisa, KY, 41230 | 28.3 | |
| Travelers | Wells & Middleton Insurance Inc | 2019 Ashland Road, Greenup, KY, 41144 | 6.4 | |
| State Farm | Scott Hester | 800 13th St, Ashland, KY, 41101-2638 | 4.7 | |
| State Farm | Ramona Salyer | 308 Horton St, Grayson, KY, 41143-1319 | 17.9 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $640 | $1,280 | $640 |
| Greenup County, KY | $103,300 | $775 | $560 | $1,100 | $540 |
| Russell, KY | $110,800 | $696 | $510 | $990 | $480 |
| Grayson, KY | $110,600 | $696 | $490 | $990 | $500 |
| Proctorville, OH | $80,200 | $565 | $380 | $800 | $420 |
| New Boston, OH | $57,700 | $487 | $360 | $670 | $310 |
| Stonewall, WV | $60,300 | $709 | $520 | $1,010 | $490 |
| Hurricane, WV | $152,600 | $702 | $470 | $960 | $490 |
| Wellston, OH | $82,600 | $682 | $470 | $940 | $470 |
| Teays Valley, WV | $215,700 | $819 | $560 | $1,140 | $580 |
| Meigs, OH | $95,900 | $613 | $440 | $870 | $430 |
| Adams County, OH | $98,000 | $700 | $500 | $970 | $470 |