Gavop shows you how to buy homeowners insurance in Berea, KY by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $52,500 | $40,000 | $50,000-$75,000 |
| 2 Bedroom | $141,500 | $120,000 | $125,000-$150,000 |
| 3 Bedroom | $196,500 | $160,000 | $175,000-$200,000 |
| 4 Bedroom | $224,000 | $190,000 | $175,000-$200,000 |
| 5 Bedroom | $237,500 | $200,000 | $200,000-$250,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$61 | $702 |
| Home and Two Car | -$130 | $633 |
| Home and Three Car | -$183 | $580 |
| 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 |
| Madison County | $1,500 | $912 | $2,412 | $663 | $2,163 | $249 |
| Berea, KY | $2,500 | $754 | $3,254 | $548 | $3,048 | $206 |
| Southeast Clark, KY | $300 | $894 | $1,194 | $650 | $950 | $244 |
| Lincoln County, KY | $2,000 | $639 | $2,639 | $464 | $2,464 | $175 |
| Shopville, KY | $400 | $685 | $1,085 | $498 | $898 | $187 |
| Keavy, KY | $2,500 | $632 | $3,132 | $459 | $2,959 | $173 |
| Paris, KY | $500 | $787 | $1,287 | $572 | $1,072 | $215 |
| Menifee County, KY | $2,000 | $632 | $2,632 | $459 | $2,459 | $173 |
| Liberty, KY | $100 | $637 | $737 | $463 | $563 | $174 |
| Corbin, KY | $2,500 | $674 | $3,174 | $490 | $2,990 | $184 |
| Burnside, KY | $500 | $590 | $1,090 | $429 | $929 | $161 |
| Haddix, KY | $2,500 | $619 | $3,119 | $450 | $2,950 | $169 |
| Home Insurance Company Berea, KY | Homeowners Insurance Agency Berea, KY | Address | Popularity Score | Distance from Berea (miles) |
|---|---|---|---|---|
| Allstate | Chuck Powers | 210 Old Mount Tabor Rd Ste C, Lexington, KY, 40502 | 31.3 | |
| Liberty Mutual Independent | The Randolph Scott Insurance Agency | 1025 Dove Run Rd Ste 302, Lexington, KY, 40502 | 30.5 | |
| Liberty Mutual Independent | Sullivan Insurance Agency | 635 N Broadway, Lexington, KY, 40508 | 34.2 | |
| Allstate | Asa Pham | 169 E Reynolds Rd Ste 104, Lexington, KY, 40517 | 30.9 | |
| Travelers | Morris Insurance Inc | 218 Main St, Paris, KY, 40361 | 42.2 | |
| State Farm | Joel Shaw | 1435 Main St, Paris, KY, 40361-1201 | 41.7 | |
| State Farm | Don Mills | 130 E Main St Ste 4, Richmond, KY, 40475-1653 | 10.4 | |
| State Farm | David Lovejoy | 125 Towne Center Dr Ste 125, Lexington, KY, 40511-2027 | 35.8 | |
| State Farm | Randall Chewning | 131 Orchard Dr, Nicholasville, KY, 40356-2690 | 26.9 | |
| Allstate | Randy Howell | 100 Saint George St, Richmond, KY, 40475 | 10.2 |
| 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 |
| Madison County, KY | $151,000 | $924 | $620 | $1,280 | $660 |
| Berea, KY | $133,400 | $763 | $530 | $1,060 | $530 |
| Southeast Clark, KY | $132,500 | $905 | $640 | $1,290 | $650 |
| Lincoln County, KY | $96,100 | $647 | $430 | $910 | $480 |
| Shopville, KY | $78,900 | $693 | $490 | $990 | $500 |
| Keavy, KY | $94,000 | $639 | $470 | $890 | $420 |
| Paris, KY | $146,300 | $796 | $540 | $1,100 | $560 |
| Menifee County, KY | $77,800 | $640 | $470 | $880 | $410 |
| Liberty, KY | $78,800 | $644 | $430 | $910 | $480 |
| Corbin, KY | $106,600 | $682 | $460 | $980 | $520 |
| Burnside, KY | $68,600 | $597 | $420 | $820 | $400 |
| Haddix, KY | $65,600 | $627 | $450 | $880 | $430 |