Gavop shows you how to buy homeowners insurance in Metcalfe 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $37,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $99,500 | $80,000 | $100,000-$125,000 |
| 3 Bedroom | $78,500 | $70,000 | $50,000-$75,000 |
| 4 Bedroom | $145,000 | $120,000 | $125,000-$150,000 |
| 5 Bedroom | $113,000 | $100,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$119 | $508 |
| Superior Protection Discount | -$63 | $565 |
| Fire & Security Discount | -$63 | $565 |
| Hail Resistant Roof Discount | -$19 | $609 |
| Newly Constructed Home Discount | -$176 | $452 |
| 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 |
| Metcalfe County | $700 | $620 | $1,320 | $451 | $1,151 | $169 |
| Metcalfe County, KY | $1,000 | $620 | $1,620 | $451 | $1,451 | $169 |
| Edmonton, KY | $300 | $674 | $974 | $490 | $790 | $184 |
| Monroe County, KY | $200 | $617 | $817 | $449 | $649 | $169 |
| Tracy, KY | $2,000 | $809 | $2,809 | $588 | $2,588 | $221 |
| Red Boiling Springs, TN | $200 | $759 | $959 | $551 | $751 | $207 |
| Mammoth Cave, KY | $1,000 | $735 | $1,735 | $534 | $1,534 | $201 |
| Albany, KY | $300 | $577 | $877 | $419 | $719 | $158 |
| Alvaton, KY | $1,000 | $846 | $1,846 | $615 | $1,615 | $231 |
| Sand Hill-Girkin, KY | $400 | $705 | $1,105 | $512 | $912 | $193 |
| Wayne County, KY | $2,500 | $648 | $3,148 | $471 | $2,971 | $177 |
| Home Insurance Company Metcalfe County, KY | Homeowners Insurance Agency Metcalfe County, KY | Address | Popularity Score | Distance from Metcalfe County (miles) |
|---|---|---|---|---|
| Travelers | Tompkinsville Insurance Agency | 910 North Main St, Tompkinsville, KY, 42167 | 19.8 | |
| State Farm | Erica Barnes | 511 W Main St, Lebanon, KY, 40033-1338 | 44.5 | |
| Travelers | The Lancaster Agency Inc | 121 E Main St, Lebanon, KY, 40033 | 45.0 | |
| State Farm | Chris Short | 305 Happy Valley Rd, Glasgow, KY, 42141-1535 | 15.3 | |
| Travelers | Calvert & Nunn Insurance Inc | 121 E Main St, Glasgow, KY, 42141 | 15.4 | |
| Travelers | Glass & Thompson | 1006 W Stockton St, Edmonton, KY, 42129 | 0.5 | |
| Travelers | La Rue Insurance Inc | 54 Lincoln Square, Hodgenville, KY, 42748 | 40.5 | |
| Allstate | The Ruth Hagan Insurance Agency | 101 W Main St, Lebanon, KY, 40033 | 45.0 | |
| Allstate | Bennett Insurance Group | 4295 Burkesville Rd, Columbia, KY, 42728 | 16.9 | |
| State Farm | Jonathan Mcdaniel | 1840 Christian Care Way Ste A, Bowling Green, KY, 42104-5819 | 45.4 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $600 | $1,270 | $670 |
| Metcalfe County, KY | $75,200 | $628 | $430 | $890 | $460 |
| Metcalfe County, KY | $75,200 | $628 | $450 | $900 | $450 |
| Edmonton, KY | $76,500 | $682 | $460 | $980 | $520 |
| Monroe County, KY | $74,500 | $625 | $460 | $890 | $430 |
| Tracy, KY | $108,400 | $819 | $560 | $1,120 | $560 |
| Red Boiling Springs, TN | $76,700 | $768 | $510 | $1,080 | $570 |
| Mammoth Cave, KY | $90,000 | $744 | $540 | $1,020 | $480 |
| Albany, KY | $65,700 | $584 | $390 | $800 | $410 |
| Alvaton, KY | $172,200 | $856 | $620 | $1,220 | $600 |
| Sand Hill-Girkin, KY | $116,300 | $713 | $480 | $980 | $500 |
| Wayne County, KY | $81,400 | $656 | $450 | $930 | $480 |