Gavop's guide to buying homeowners insurance in Spencer County, 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.
| Spencer County, KY - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 4 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Stonecrest Dr, State Hwy 3230, Rising Sun, River Hill Rd, Franklin Rd, Dove Trl, Cherokee Ter, Old Possom Ridge Rd, Wilsonville Rd, Crooked Creek Rd | $125,500 | $110,000 | $100,000-$125,000 | $193,000 | $180,000 | $200,000-$250,000 |
| Savannah Ct, Patton Ln, Ochs Ln, Marvin Nethery Rd, Quail Ct, Blue Grass Dr, Normandy Rd, Stevens Ln, Glenn Way, Pj Ct | $121,500 | $110,000 | $125,000-$150,000 | $260,000 | $230,000 | $200,000-$250,000 |
| State Hwy 44, Roberts Rd, Meadowridge Dr, Glenview Dr, Rice Ln, Cynthias Ridge, Mill Rd, Adrianna Way, Sycamore Dr, W River Rd | $217,500 | $190,000 | $200,000-$250,000 | $303,000 | $270,000 | $250,000-$300,000 |
| Town Hill Rd, Ashes Creek Rd, Stone Ridge Dr, Lanter Ln, Baker Ct, Windsong Ct, Whitetail Dr, Summer Place Dr, Turnpike Ave, Overlook Rd | $137,000 | $120,000 | $125,000-$150,000 | $172,000 | $150,000 | $150,000-$175,000 |
| Old Dutchman Creek Rd, Stoneridge Ct, 1st St, Shawnee Run, Louisville Rd, Akins Rd, Beech Creek Rd, Little Mt Church Rd, Essex Way, Peachtree Ct | $159,000 | $140,000 | $150,000-$175,000 | $189,000 | $160,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$170 | $725 |
| Superior Protection Discount | -$81 | $815 |
| Fire & Security Discount | -$81 | $815 |
| Hail Resistant Roof Discount | -$27 | $869 |
| Newly Constructed Home Discount | -$251 | $645 |
| 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 |
| Spencer County | $700 | $885 | $1,585 | $643 | $1,343 | $242 |
| Spencer County, KY | $2,000 | $885 | $2,885 | $643 | $2,643 | $242 |
| Fairfield, KY | $200 | $726 | $926 | $528 | $728 | $198 |
| Hurstbourne Acres, KY | $2,500 | $1,044 | $3,544 | $759 | $3,259 | $285 |
| Rolling Hills, KY | $400 | $975 | $1,375 | $709 | $1,109 | $266 |
| Windy Hills, KY | $1,500 | $1,187 | $2,687 | $862 | $2,362 | $324 |
| Henry County, KY | $300 | $733 | $1,033 | $533 | $833 | $200 |
| Vine Grove, KY | $1,000 | $871 | $1,871 | $633 | $1,633 | $238 |
| Junction City, KY | $200 | $722 | $922 | $525 | $725 | $197 |
| Borden, IN | $2,500 | $772 | $3,272 | $561 | $3,061 | $211 |
| Sadieville, KY | $400 | $1,047 | $1,447 | $761 | $1,161 | $286 |
| Campbellsville, KY | $700 | $681 | $1,381 | $495 | $1,195 | $186 |
| Home Insurance Company Spencer County, KY | Homeowners Insurance Agency Spencer County, KY | Address | Popularity Score | Distance from Spencer County (miles) |
|---|---|---|---|---|
| Travelers | The Lancaster Agency Inc | 121 E Main St, Lebanon, KY, 40033 | 31.6 | |
| Liberty Mutual Independent | Fusting And Dugan Insurance Llc | 9322 Taylorsville Rd Ste 4b, Louisville, KY, 40299 | 19.3 | |
| Travelers | Truepoint Insurance Group | 6287 Taylorsville Rd Ste 203, Fisherville, KY, 40023 | 6.9 | |
| Allstate | Robert Hill | 3831 Ruckriegel Pkwy Ste 102, Louisville, KY, 40299 | 17.7 | |
| State Farm | Tom Kanaly | 6608 Bardstown Rd Ste A, Louisville, KY, 40291-3084 | 17.2 | |
| Travelers | Michelle Lunsford Insurance | 9133 Fern Creek Rd, Louisville, KY, 40291 | 17.6 | |
| Travelers | Jecker And Edelen Agency Llc | 9322 Taylorsville Rd Ste 1a, Louisville, KY, 40299 | 19.3 | |
| State Farm | Peggy Druin | 1547 Old Preston Hwy N Ste B, Louisville, KY, 40229-3221 | 19.5 | |
| State Farm | Robert Goh | 193 Frankfort St, Versailles, KY, 40383-1162 | 31.9 | |
| State Farm | Mike Shelton | 2917 Brownsboro Rd, Louisville, KY, 40206-1403 | 25.9 |
| 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 |
| Spencer County, KY | $190,900 | $895 | $600 | $1,230 | $630 |
| Spencer County, KY | $190,900 | $895 | $600 | $1,270 | $670 |
| Fairfield, KY | $88,100 | $735 | $490 | $1,040 | $550 |
| Hurstbourne Acres, KY | $187,200 | $1,057 | $750 | $1,470 | $720 |
| Rolling Hills, KY | $159,900 | $987 | $680 | $1,390 | $710 |
| Windy Hills, KY | $251,900 | $1,201 | $830 | $1,690 | $860 |
| Henry County, KY | $126,100 | $742 | $540 | $1,050 | $510 |
| Vine Grove, KY | $125,700 | $882 | $640 | $1,250 | $610 |
| Junction City, KY | $87,200 | $731 | $500 | $1,000 | $500 |
| Borden, IN | $109,000 | $781 | $520 | $1,120 | $600 |
| Sadieville, KY | $188,600 | $1,060 | $720 | $1,510 | $790 |
| Campbellsville, KY | $108,800 | $690 | $460 | $970 | $510 |