Gavop's guide to buying homeowners insurance in Adair 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 | $34,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $76,000 | $70,000 | $50,000-$75,000 |
| 3 Bedroom | $137,500 | $130,000 | $125,000-$150,000 |
| 4 Bedroom | $182,000 | $170,000 | $200,000-$250,000 |
| 5 Bedroom | $242,500 | $220,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$94 | $580 |
| Superior Protection Discount | -$67 | $607 |
| Fire & Security Discount | -$74 | $600 |
| Hail Resistant Roof Discount | -$13 | $661 |
| Newly Constructed Home Discount | -$142 | $533 |
| 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 |
| Adair County | $2,500 | $666 | $3,166 | $484 | $2,984 | $182 |
| Adair County, KY | $700 | $666 | $1,366 | $484 | $1,184 | $182 |
| Bryan, KY | $300 | $761 | $1,061 | $553 | $853 | $208 |
| Eli, KY | $2,500 | $676 | $3,176 | $491 | $2,991 | $185 |
| Donansburg, KY | $500 | $637 | $1,137 | $463 | $963 | $174 |
| Metcalfe County, KY | $2,000 | $620 | $2,620 | $451 | $2,451 | $169 |
| Center, KY | $200 | $687 | $887 | $499 | $699 | $188 |
| Raywick, KY | $700 | $863 | $1,563 | $627 | $1,327 | $236 |
| Middleburg, KY | $500 | $606 | $1,106 | $440 | $940 | $166 |
| Temple Hill, KY | $1,500 | $774 | $2,274 | $562 | $2,062 | $211 |
| Pulaski County, KY | $400 | $788 | $1,188 | $572 | $972 | $215 |
| Co-operative, KY | $1,500 | $485 | $1,985 | $353 | $1,853 | $133 |
| Home Insurance Company Adair County, KY | Homeowners Insurance Agency Adair County, KY | Address | Popularity Score | Distance from Adair County (miles) |
|---|---|---|---|---|
| Travelers | First Insurance Group | 2520 S Hwy 27, Somerset, KY, 42501 | 36.5 | |
| State Farm | Wade Flowers | 235 Keen St, Burkesville, KY, 42717 | 22.8 | |
| State Farm | Erica Barnes | 511 W Main St, Lebanon, KY, 40033-1338 | 31.7 | |
| Travelers | The Lancaster Agency Inc | 121 E Main St, Lebanon, KY, 40033 | 32.1 | |
| State Farm | Travis Easterling | 1002 Granite Dr Ste 101, Bardstown, KY, 40004-2076 | 49.8 | |
| State Farm | Chris Short | 305 Happy Valley Rd, Glasgow, KY, 42141-1535 | 35.4 | |
| State Farm | Todd Conley | 257 Bluebird Ln Ste 1, Greensburg, KY, 42743-1476 | 16.6 | |
| Allstate | Amy Hazlett | 216 Skywatch Dr, Danville, KY, 40422 | 44.7 | |
| Travelers | Larue Insurance Inc | 1297 Springfield Road, Bardstown, KY, 40004 | 48.8 | |
| Allstate | Bennett Insurance Group | 4295 Burkesville Rd, Columbia, KY, 42728 | 4.4 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $610 | $1,260 | $650 |
| Adair County, KY | $85,900 | $674 | $490 | $960 | $470 |
| Adair County, KY | $85,900 | $674 | $490 | $960 | $470 |
| Bryan, KY | $96,100 | $770 | $550 | $1,090 | $540 |
| Eli, KY | $77,000 | $684 | $460 | $950 | $490 |
| Donansburg, KY | $69,100 | $645 | $430 | $920 | $490 |
| Metcalfe County, KY | $75,200 | $628 | $430 | $890 | $460 |
| Center, KY | $79,300 | $695 | $470 | $970 | $500 |
| Raywick, KY | $123,200 | $873 | $590 | $1,200 | $610 |
| Middleburg, KY | $63,000 | $613 | $440 | $840 | $400 |
| Temple Hill, KY | $99,200 | $783 | $560 | $1,100 | $540 |
| Pulaski County, KY | $109,100 | $797 | $530 | $1,140 | $610 |
| Co-operative, KY | $41,500 | $491 | $350 | $700 | $350 |