Gavop shows you how to buy homeowners insurance in Manchester, KY by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Manchester, KY - Neighbourhoods, Census Blocks & Streets | 2 Bedroom | 3 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Wayne St, Arrowhead Court Rd, Marcum Hill Rd, Sizemore Rd, Little Goose Rd, Burchell Hollow, Lower Rader Rd, Timberland Rd, Lovers Leap Rd, Rosest St | $64,000 | $50,000 | $50,000-$75,000 | $153,000 | $130,000 | $150,000-$175,000 |
| Bowling St, Beve Cotton Rd, Lucas Rd, Matt Sizemore Rd, Frazier Rd, Pennington Hill Rd, 3rd St, Tara Ln, Memorial Gardens Rd, Pine Ln | $67,500 | $50,000 | $50,000-$75,000 | $138,000 | $130,000 | $150,000-$175,000 |
| Dickenson St, E Couch Rd, Bourbon St, Goins Dr, Ephram Creek Rd, Locust St, Caudill Gap Rd, Cedar St, Bert T Combs Lake Rd, Circle Dr | $89,000 | $80,000 | $75,000-$100,000 | $150,000 | $130,000 | $175,000-$200,000 |
| Stevens Rd, Liberty Hill Rd, Richmond Rd, Owens Rd, Maple St, Philpot Ln, 1st St, Shamrock Rd, Cambridge Dr, Saylor St | $54,500 | $40,000 | $50,000-$75,000 | $73,000 | $60,000 | $75,000-$100,000 |
| Jones St, Sycamore Ridge Rd, Langdon St, Charlie Sizemore Rd, Rader Creek Rd, Court St, Front St, Radio Hill Rd, Lyttle St, Railroad Ave | $78,000 | $70,000 | $50,000-$75,000 | $106,500 | $90,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$115 | $525 |
| Superior Protection Discount | -$64 | $577 |
| Fire & Security Discount | -$64 | $577 |
| Hail Resistant Roof Discount | -$19 | $622 |
| Newly Constructed Home Discount | -$186 | $455 |
| 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 |
| Clay County | $2,500 | $848 | $3,348 | $616 | $3,116 | $232 |
| Manchester, KY | $2,500 | $633 | $3,133 | $460 | $2,960 | $173 |
| Greenmount-Langnau, KY | $300 | $707 | $1,007 | $514 | $814 | $193 |
| London, KY | $2,000 | $721 | $2,721 | $524 | $2,524 | $197 |
| North Corbin, KY | $200 | $636 | $836 | $462 | $662 | $174 |
| Bryants Store, KY | $2,000 | $574 | $2,574 | $417 | $2,417 | $157 |
| Sandgap, KY | $300 | $685 | $985 | $498 | $798 | $187 |
| Viper, KY | $700 | $660 | $1,360 | $480 | $1,180 | $180 |
| Jackson, KY | $200 | $561 | $761 | $408 | $608 | $153 |
| Middlesborough, KY | $2,500 | $643 | $3,143 | $467 | $2,967 | $176 |
| Mount Vernon, KY | $500 | $673 | $1,173 | $489 | $989 | $184 |
| Cawood, KY | $700 | $417 | $1,117 | $303 | $1,003 | $114 |
| Home Insurance Company Manchester, KY | Homeowners Insurance Agency Manchester, KY | Address | Popularity Score | Distance from Manchester (miles) |
|---|---|---|---|---|
| Travelers | First Insurance Group | 2520 S Hwy 27, Somerset, KY, 42501 | 48.8 | |
| State Farm | Justin Mays | 1509 Us Highway 25 E, Middlesboro, KY, 40965-1862 | 36.5 | |
| Travelers | First Insurance Group | 2520 S Highway 27, Somerset, KY, 42501 | 48.2 | |
| State Farm | Chad Shannon | 473 N 12th St, Middlesboro, KY, 40965-1133 | 37.5 | |
| Allstate | Derrick Hensley | 219 Prince Royal Dr Ste 14, Berea, KY, 40403 | 42.1 | |
| Liberty Mutual Independent | Linville Insurance Agency | 302 Richmond Rd, Berea, KY, 40403 | 41.5 | |
| State Farm | Craig Loftis | 145 Plaza Drive, Berea, KY, 40403 | 42.1 | |
| Travelers | Mathis Insurance Agency Inc | 1340 S Hwy 27 Ste A, Somerset, KY, 42501 | 48.3 | |
| Travelers | Cole Insurance Agency Inc | 312 Highland Park Drive, Richmond, KY, 40475 | 49.2 | |
| State Farm | Randy Kidd | 1755 N Hwy 27, Whitley City, KY, 42653 | 49.3 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $600 | $1,240 | $640 |
| Clay County, KY | $55,600 | $858 | $570 | $1,220 | $650 |
| Manchester, KY | $78,000 | $641 | $460 | $880 | $420 |
| Greenmount-Langnau, KY | $83,900 | $716 | $490 | $990 | $500 |
| London, KY | $122,100 | $730 | $530 | $1,040 | $510 |
| North Corbin, KY | $95,300 | $643 | $470 | $910 | $440 |
| Bryants Store, KY | $56,900 | $581 | $410 | $830 | $420 |
| Sandgap, KY | $78,900 | $693 | $460 | $950 | $490 |
| Viper, KY | $73,700 | $668 | $470 | $960 | $490 |
| Jackson, KY | $54,600 | $568 | $410 | $810 | $400 |
| Middlesborough, KY | $80,400 | $651 | $440 | $890 | $450 |
| Mount Vernon, KY | $87,500 | $681 | $490 | $930 | $440 |
| Cawood, KY | $30,600 | $422 | $300 | $600 | $300 |