Gavop's guide to buying homeowners insurance in Washington 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $45,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $135,500 | $110,000 | $125,000-$150,000 |
| 3 Bedroom | $147,500 | $130,000 | $125,000-$150,000 |
| 4 Bedroom | $213,000 | $190,000 | $200,000-$250,000 |
| 5 Bedroom | $193,500 | $160,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$95 | $584 |
| Superior Protection Discount | -$68 | $611 |
| Fire & Security Discount | -$54 | $624 |
| Hail Resistant Roof Discount | -$20 | $658 |
| Newly Constructed Home Discount | -$143 | $536 |
| 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 |
| Washington County | $700 | $671 | $1,371 | $487 | $1,187 | $183 |
| Washington County, KY | $2,500 | $671 | $3,171 | $487 | $2,987 | $183 |
| Wilmore, KY | $500 | $848 | $1,348 | $616 | $1,116 | $232 |
| Jessamine County, KY | $2,000 | $948 | $2,948 | $689 | $2,689 | $259 |
| Hollyvilla, KY | $100 | $769 | $869 | $559 | $659 | $210 |
| Green County, KY | $2,500 | $623 | $3,123 | $453 | $2,953 | $170 |
| Jefferson County, KY | $200 | $933 | $1,133 | $678 | $878 | $255 |
| Lynnview, KY | $700 | $741 | $1,441 | $539 | $1,239 | $203 |
| Meadowbrook Farm, KY | $200 | $992 | $1,192 | $721 | $921 | $271 |
| Ten Broeck, KY | $2,000 | $1,759 | $3,759 | $1,278 | $3,278 | $481 |
| La Grange, KY | $100 | $785 | $885 | $571 | $671 | $215 |
| New Castle, KY | $2,000 | $912 | $2,912 | $663 | $2,663 | $249 |
| Home Insurance Company Washington County, KY | Homeowners Insurance Agency Washington County, KY | Address | Popularity Score | Distance from Washington County (miles) |
|---|---|---|---|---|
| Travelers | Francis & Company Inc | 3103 Breckenbridge Ln Suite 6, Louisville, KY, 40220 | 40.1 | |
| Allstate | Bryan Fallon | 6003 Pleasant Colony Ct Ste 5, Crestwood, KY, 40014 | 42.8 | |
| Allstate | Dan Mangeot | 1923 Woodbourne Ave, Louisville, KY, 40205 | 42.9 | |
| Travelers | Sc Insurance Llc | 600 W Main St Ste 500, Louisville, KY, 40202 | 47.1 | |
| State Farm | Kaye Nichols | 2300 Hurstbrne Vlg Dr Ste 1100, Louisville, KY, 40299-1839 | 43.2 | |
| State Farm | Kelley Adams | 215 La Grange Rd, Pewee Valley, KY, 40056-9174 | 42.0 | |
| Liberty Mutual Independent | Glenn E Martin Insurance | 10226 Shelbyville Rd, Louisville, KY, 40223 | 40.0 | |
| Allstate | Bradford Muncy | 9611 Whipps Mill Rd, Louisville, KY, 40242 | 41.7 | |
| Allstate | Richard Deel | 3394 Burkland Blvd, Shepherdsville, KY, 40165 | 33.7 | |
| Travelers | C Don Cook Insurance Service | 9553 U S Highway 42, Prospect, KY, 40059 | 47.3 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $620 | $1,240 | $620 |
| Washington County, KY | $105,600 | $679 | $480 | $960 | $480 |
| Washington County, KY | $105,600 | $679 | $480 | $930 | $450 |
| Wilmore, KY | $173,200 | $858 | $610 | $1,180 | $570 |
| Jessamine County, KY | $164,300 | $959 | $700 | $1,320 | $620 |
| Hollyvilla, KY | $98,000 | $778 | $530 | $1,070 | $540 |
| Green County, KY | $75,800 | $631 | $450 | $900 | $450 |
| Jefferson County, KY | $159,000 | $945 | $630 | $1,310 | $680 |
| Lynnview, KY | $91,500 | $750 | $520 | $1,040 | $520 |
| Meadowbrook Farm, KY | $166,300 | $1,004 | $730 | $1,400 | $670 |
| Ten Broeck, KY | $417,900 | $1,780 | $1,260 | $2,460 | $1,200 |
| La Grange, KY | $214,000 | $795 | $570 | $1,130 | $560 |
| New Castle, KY | $138,300 | $923 | $630 | $1,260 | $630 |