Gavop shows you how to buy homeowners insurance in Hardin 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.
| Hardin 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 | |
| Greenhill St, Rineyville-Big Springs Rd, Cs-1124-30, Frazier Rd, Cs-1523, Glenwood Dr, Battle Dr, S Mulberry St, Stewart St, W Ridgeway Dr | $131,500 | $110,000 | $125,000-$150,000 | $95,500 | $90,000 | $75,000-$100,000 |
| Meadowlake Dr, Monroe Dr, Richard Nall Ln, Public Sq, George Tabb Rd, Helmwood Dr, McLeod St, Stovall Rd, Black Hills Ct, Foxfire Rd | $134,500 | $120,000 | $150,000-$175,000 | $83,000 | $80,000 | $75,000-$100,000 |
| Lincoln Ave, Cox Ln, Andover Dr, Severns St, Locust Grove Rd, State Hwy 583, Park Ln, Solway Meeting Rd, Timber Ln, Emory Rd | $167,000 | $150,000 | $175,000-$200,000 | $144,500 | $130,000 | $150,000-$175,000 |
| Kelley Ln, Co Rd 1044, McCullum Ave, Melinda Jean Ct, Orchard Dr, Burgundy Ct, Hanover St, Dogwood Cir, Edgewood Ct, Co Rd 1532 | $161,000 | $150,000 | $150,000-$175,000 | $165,000 | $140,000 | $175,000-$200,000 |
| Bailey Trce, Redmar Ln, Sammy Ct, Jackie St, Stinson Pl, Lawrence Ln, Pear Orchard Rd, Pawnee Dr, N Black Branch Rd, Stephensburg Loop | $116,000 | $110,000 | $100,000-$125,000 | $118,500 | $110,000 | $100,000-$125,000 |
| Steel Dr, Knob Hill Rd, Sycamore Dr, Co Rd 1021, Sherwood Dr, N Miles St, Logan Ct, Webb Mill Rd, Miller Ln, Lincoln Ave | $220,000 | $200,000 | $200,000-$250,000 | $126,500 | $110,000 | $100,000-$125,000 |
| Shaw Creek Ct, Co Rd 1208, US Hwy 60, Carol Ln, Young St, Wingard Dr, Springfield Rd, Hickory Hill Dr, Cecilia Smiths Mill Rd, Basham Ln | $182,500 | $160,000 | $175,000-$200,000 | $123,000 | $100,000 | $100,000-$125,000 |
| Valley Rd, Dillard Ave, Tabbs Hollow Rd, Sonora Hardin Springs Rd, A & M Ln, Dixie Hwy, Railroad Ave, W Donna Reed Blvd, Fudge Ln, Maple Crest Way | $115,500 | $100,000 | $100,000-$125,000 | $92,500 | $80,000 | $75,000-$100,000 |
| Crossfield Dr, Cs-1629, Kristen Ct, Cash Rd, Vermont Ct, Dranes Ln, Old Dixie Loop, Champion Ct, Mount Zion Rd, E Badger Ct | $128,500 | $100,000 | $125,000-$150,000 | $115,500 | $100,000 | $125,000-$150,000 |
| Celtic Dr, Commerce Dr, Red Hill Rd, Cedar Glenn Ln, Wooden Ln, Horn Cemetery Rd, Pigeon Pass Rd, Co Rd 1347, Ozark Ct, Vjctory Lake Dr | $172,000 | $160,000 | $200,000-$250,000 | $102,500 | $100,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$128 | $787 |
| Superior Protection Discount | -$91 | $823 |
| Fire & Security Discount | -$91 | $823 |
| Hail Resistant Roof Discount | -$27 | $887 |
| Newly Constructed Home Discount | -$201 | $714 |
| 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 |
| Hardin County | $700 | $904 | $1,604 | $657 | $1,357 | $247 |
| Hardin County, KY | $700 | $904 | $1,604 | $657 | $1,357 | $247 |
| Hammonville, KY | $300 | $719 | $1,019 | $523 | $823 | $197 |
| Pioneer Village, KY | $1,000 | $939 | $1,939 | $682 | $1,682 | $257 |
| Saloma, KY | $200 | $777 | $977 | $564 | $764 | $212 |
| Cloverport, KY | $1,500 | $742 | $2,242 | $539 | $2,039 | $203 |
| Watterson Park, KY | $200 | $865 | $1,065 | $628 | $828 | $236 |
| Lebanon, KY | $2,500 | $645 | $3,145 | $469 | $2,969 | $176 |
| Norbourne Estates, KY | $300 | $1,750 | $2,050 | $1,272 | $1,572 | $478 |
| Maryhill Estates, KY | $1,500 | $2,103 | $3,603 | $1,529 | $3,029 | $575 |
| Cannelton, IN | $400 | $610 | $1,010 | $443 | $843 | $167 |
| Gravel Switch, KY | $700 | $703 | $1,403 | $511 | $1,211 | $192 |
| Home Insurance Company Hardin County, KY | Homeowners Insurance Agency Hardin County, KY | Address | Popularity Score | Distance from Hardin County (miles) |
|---|---|---|---|---|
| State Farm | Tracy Haus | 11501 Main St, Louisville, KY, 40243-1315 | 44.2 | |
| Travelers | Truepoint Insurance Group | 6287 Taylorsville Rd Ste 203, Fisherville, KY, 40023 | 43.0 | |
| Nationwide | Brandt Davis Insurance Agency | 4229 Bardstown Rd Ste 126, Louisville, KY, 40218 | 38.3 | |
| Travelers | Bluegrass Insurance Services Llc | 620 Westport Road, Elizabethtown, KY, 42701 | 4.5 | |
| Allstate | Justin Beasley | 11712 Main St, Louisville, KY, 40243 | 44.4 | |
| Nationwide | Donnie R Kays Insurance Inc. | 10602 Timberwood Cir. Ste 12, Louisville, KY, 40223-5367 | 42.7 | |
| Travelers | Michelle Lunsford Insurance | 9133 Fern Creek Rd, Louisville, KY, 40291 | 37.8 | |
| State Farm | Tom Thompson | 215 La Grange Rd, Pewee Valley, KY, 40056-9174 | 49.7 | |
| Travelers | Kma Insurance Agency Inc | 9960 Corporate Campus Dr, Ste 1200 Louisville, Lyndon, KY, 40223 | 44.8 | |
| State Farm | Denny Vogel | 5956 Timber Ridge Dr Ste 102, Prospect, KY, 40059-8147 | 48.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $640 | $1,240 | $600 |
| Hardin County, KY | $148,000 | $915 | $670 | $1,260 | $590 |
| Hardin County, KY | $148,000 | $915 | $660 | $1,310 | $650 |
| Hammonville, KY | $86,500 | $728 | $520 | $1,010 | $490 |
| Pioneer Village, KY | $147,000 | $950 | $640 | $1,350 | $710 |
| Saloma, KY | $100,000 | $786 | $540 | $1,110 | $570 |
| Cloverport, KY | $91,600 | $751 | $500 | $1,040 | $540 |
| Watterson Park, KY | $123,700 | $875 | $640 | $1,200 | $560 |
| Lebanon, KY | $97,800 | $653 | $460 | $910 | $450 |
| Norbourne Estates, KY | $416,200 | $1,771 | $1,200 | $2,440 | $1,240 |
| Maryhill Estates, KY | $468,800 | $2,129 | $1,450 | $3,040 | $1,590 |
| Cannelton, IN | $67,100 | $617 | $450 | $860 | $410 |
| Gravel Switch, KY | $83,000 | $712 | $480 | $980 | $500 |