Gavop tells you how to get the best homeowners insurance in Laurel County, KY by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $43,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $120,000 | $100,000 | $75,000-$100,000 |
| 3 Bedroom | $181,500 | $170,000 | $175,000-$200,000 |
| 4 Bedroom | $244,000 | $230,000 | $200,000-$250,000 |
| 5 Bedroom | $125,500 | $100,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$131 | $639 |
| Superior Protection Discount | -$69 | $701 |
| Fire & Security Discount | -$62 | $709 |
| Hail Resistant Roof Discount | -$23 | $747 |
| Newly Constructed Home Discount | -$200 | $570 |
| 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 |
| Laurel County | $1,000 | $761 | $1,761 | $553 | $1,553 | $208 |
| Laurel County, KY | $2,000 | $761 | $2,761 | $553 | $2,553 | $208 |
| Emlyn, KY | $1,500 | $658 | $2,158 | $478 | $1,978 | $180 |
| Pleasant View, KY | $100 | $698 | $798 | $507 | $607 | $191 |
| Berea, KY | $1,500 | $754 | $2,254 | $548 | $2,048 | $206 |
| Pathfork, KY | $300 | $420 | $720 | $305 | $605 | $115 |
| Loyall, KY | $2,500 | $529 | $3,029 | $384 | $2,884 | $144 |
| Casey County, KY | $500 | $631 | $1,131 | $459 | $959 | $173 |
| Krypton, KY | $2,000 | $659 | $2,659 | $479 | $2,479 | $180 |
| Cutshin, KY | $300 | $517 | $817 | $376 | $676 | $141 |
| Cottonburg-Valley View, KY | $700 | $790 | $1,490 | $574 | $1,274 | $216 |
| Home Insurance Company Laurel County, KY | Homeowners Insurance Agency Laurel County, KY | Address | Popularity Score | Distance from Laurel County (miles) |
|---|---|---|---|---|
| State Farm | Chad Shannon | 473 N 12th St, Middlesboro, KY, 40965-1133 | 41.4 | |
| Liberty Mutual Independent | Insurance Service Center | 100 N Kentucky Ave, Corbin, KY, 40701 | 11.5 | |
| Allstate | Derrick Hensley | 219 Prince Royal Dr Ste 14, Berea, KY, 40403 | 33.2 | |
| Liberty Mutual Independent | Linville Insurance Agency | 302 Richmond Rd N, Berea, KY, 40403 | 33.9 | |
| State Farm | Mylan Wright | 245 Lexington St, Lancaster, KY, 40444-1184 | 43.5 | |
| State Farm | Craig Loftis | 145 Plaza Drive, Berea, KY, 40403 | 33.2 | |
| Allstate | Kelly Horseman | 312b Sallee St, Somerset, KY, 42501 | 27.5 | |
| State Farm | Don Mills | 130 E Main St Ste 4, Richmond, KY, 40475-1653 | 44.7 | |
| Travelers | Cole Insurance Agency Inc | 312 Highland Park Drive, Richmond, KY, 40475 | 43.9 | |
| Allstate | Randy Howell | 100 Saint George St, Richmond, KY, 40475 | 44.4 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $600 | $1,280 | $680 |
| Laurel County, KY | $102,000 | $770 | $550 | $1,100 | $550 |
| Laurel County, KY | $102,000 | $770 | $550 | $1,060 | $510 |
| Emlyn, KY | $73,400 | $666 | $450 | $950 | $500 |
| Pleasant View, KY | $81,600 | $706 | $520 | $1,000 | $480 |
| Berea, KY | $133,400 | $763 | $510 | $1,080 | $570 |
| Pathfork, KY | $31,100 | $425 | $280 | $590 | $310 |
| Loyall, KY | $48,900 | $535 | $360 | $740 | $380 |
| Casey County, KY | $77,600 | $639 | $440 | $900 | $460 |
| Krypton, KY | $73,600 | $667 | $450 | $940 | $490 |
| Cutshin, KY | $46,800 | $523 | $380 | $750 | $370 |
| Cottonburg-Valley View, KY | $103,600 | $800 | $580 | $1,110 | $530 |