Gavop shows you how to buy homeowners insurance in Rowan County, KY by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Rowan 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 | |
| Mercantile Rd, State Hwy 377, Vicky Ln, A B Chandler Pl, Cherry Blossom Dr, Crestview Ln, Robin Hood Dr, Stern Rd, N Wilson Ave, Circle Dr | $165,000 | $140,000 | $175,000-$200,000 | $151,500 | $140,000 | $150,000-$175,000 |
| Flemingsburg Rd, Johnson Rd, University Blvd, Nolin Ct, Pinetree Ln, Clearfield Hill, Roosevelt Blvd, Sayre Dr, Dale Ln, Stegall Rd | $180,000 | $160,000 | $200,000-$250,000 | $108,000 | $90,000 | $100,000-$125,000 |
| C Workman Rd, Trent Ridge Rd, Forest Hills Dr, Eric Way, Lake Shore Dr, Camelot Dr, Cr-1259B, Sunset Dr, R Kidd Rd, Pence Branch Rd | $208,000 | $200,000 | $150,000-$175,000 | $158,000 | $140,000 | $125,000-$150,000 |
| N Hargis Ave, Coldiron Hollow, Goodman Rd, Pioneer Orchard Dr, Cs-1171, Ivan Rd, Page Dr, Parker Hollow Rd, Cr-1391, Dewitt Cemetery | $175,000 | $170,000 | $150,000-$175,000 | $78,500 | $70,000 | $50,000-$75,000 |
| Daniels Ave, Lee Branch Rd, Slaty Point Rd, State Hwy 211, Fraley Dr, Carey Ave, Meadowbrook Dr, Hogtown Hill, Wolf Hollow, Martin Branch Rd | $213,000 | $180,000 | $250,000-$300,000 | $87,500 | $80,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$102 | $626 |
| Superior Protection Discount | -$65 | $662 |
| Fire & Security Discount | -$73 | $655 |
| Hail Resistant Roof Discount | -$15 | $713 |
| Newly Constructed Home Discount | -$160 | $567 |
| 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 |
| Rowan County | $2,500 | $719 | $3,219 | $522 | $3,022 | $196 |
| Rowan County, KY | $2,500 | $719 | $3,219 | $522 | $3,022 | $196 |
| Laurel-Petersville, KY | $300 | $545 | $845 | $396 | $696 | $149 |
| Ewing, KY | $2,500 | $661 | $3,161 | $480 | $2,980 | $181 |
| Mays Lick, KY | $400 | $818 | $1,218 | $595 | $995 | $224 |
| Mason County, KY | $1,000 | $689 | $1,689 | $501 | $1,501 | $188 |
| Clay City, KY | $100 | $656 | $756 | $477 | $577 | $179 |
| Russell, KY | $1,500 | $989 | $2,489 | $719 | $2,219 | $270 |
| Ironton, OH | $400 | $674 | $1,074 | $490 | $890 | $184 |
| Kenova, WV | $1,000 | $582 | $1,582 | $423 | $1,423 | $159 |
| Porter, OH | $200 | $663 | $863 | $482 | $682 | $181 |
| Rush, OH | $700 | $640 | $1,340 | $465 | $1,165 | $175 |
| Home Insurance Company Rowan County, KY | Homeowners Insurance Agency Rowan County, KY | Address | Popularity Score | Distance from Rowan County (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Woodford Hill Thompson | 500 Main St, Paris, KY, 40361 | 44.9 | |
| State Farm | Brian Payne | 537 Moody Dr, Maysville, KY, 41056-9328 | 35.8 | |
| Travelers | Vince Wells Insurance | 110 South Broadway, Carlisle, KY, 40311 | 33.5 | |
| Allstate | Paul Maupin | 1476 W Lexington Ave Ste A, Winchester, KY, 40391 | 44.8 | |
| State Farm | Steve Barker | 519 W Main St, Morehead, KY, 40351-1539 | 2.2 | |
| Travelers | Morris Insurance Inc | 218 Main St, Paris, KY, 40361 | 44.8 | |
| State Farm | Joel Shaw | 1435 Main St, Paris, KY, 40361-1201 | 45.2 | |
| State Farm | Tim Green | 3 N Main St, Winchester, KY, 40391 | 43.5 | |
| State Farm | Marc Cammack | 930 Us Highway 27 S Ste 2, Cynthiana, KY, 41031-5992 | 49.5 | |
| State Farm | Bill Boggs | 533 N Shawnee Rd, Maysville, KY, 41056-7505 | 35.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $600 | $1,270 | $670 |
| Rowan County, KY | $121,100 | $727 | $520 | $1,000 | $480 |
| Rowan County, KY | $121,100 | $727 | $500 | $1,000 | $500 |
| Laurel-Petersville, KY | $51,900 | $552 | $370 | $780 | $410 |
| Ewing, KY | $73,900 | $669 | $460 | $920 | $460 |
| Mays Lick, KY | $110,700 | $828 | $570 | $1,180 | $610 |
| Mason County, KY | $111,200 | $697 | $470 | $960 | $490 |
| Clay City, KY | $83,500 | $664 | $480 | $910 | $430 |
| Russell, KY | $165,000 | $1,001 | $670 | $1,380 | $710 |
| Ironton, OH | $93,700 | $682 | $500 | $960 | $460 |
| Kenova, WV | $74,300 | $589 | $430 | $820 | $390 |
| Porter, OH | $139,800 | $671 | $480 | $920 | $440 |
| Rush, OH | $108,800 | $648 | $470 | $930 | $460 |