Gavop's guide to buying homeowners insurance in Fleming 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 | $42,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $68,500 | $60,000 | $75,000-$100,000 |
| 3 Bedroom | $110,500 | $90,000 | $75,000-$100,000 |
| 4 Bedroom | $235,000 | $200,000 | $200,000-$250,000 |
| 5 Bedroom | $370,500 | $350,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$124 | $567 |
| Superior Protection Discount | -$62 | $629 |
| Fire & Security Discount | -$76 | $615 |
| Hail Resistant Roof Discount | -$21 | $670 |
| Newly Constructed Home Discount | -$145 | $546 |
| 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 |
| Fleming County | $1,000 | $683 | $1,683 | $496 | $1,496 | $187 |
| Fleming County, KY | $700 | $683 | $1,383 | $496 | $1,196 | $187 |
| Byrd, OH | $100 | $621 | $721 | $452 | $552 | $170 |
| Ezel, KY | $2,500 | $716 | $3,216 | $521 | $3,021 | $196 |
| Morgan County, KY | $500 | $630 | $1,130 | $458 | $958 | $172 |
| Peebles, OH | $700 | $569 | $1,269 | $414 | $1,114 | $156 |
| Elkfork-Ophir, KY | $500 | $574 | $1,074 | $417 | $917 | $157 |
| Cannel City, KY | $2,000 | $614 | $2,614 | $446 | $2,446 | $168 |
| Sardinia, OH | $100 | $536 | $636 | $390 | $490 | $147 |
| South Shore, KY | $2,000 | $718 | $2,718 | $522 | $2,522 | $196 |
| Corinth, KY | $300 | $749 | $1,049 | $544 | $844 | $205 |
| Waco-Bybee, KY | $1,000 | $720 | $1,720 | $524 | $1,524 | $197 |
| Home Insurance Company Fleming County, KY | Homeowners Insurance Agency Fleming County, KY | Address | Popularity Score | Distance from Fleming County (miles) |
|---|---|---|---|---|
| State Farm | Steve Woodrum | 102 Finley Dr Ste 80, Georgetown, KY, 40324-6009 | 46.5 | |
| Travelers | The Elite Agency Inc | 2408 Sir Barton Wy Ste 375, Lexington, KY, 40509 | 45.4 | |
| Travelers | Strong Agency Llc | 80 Codell Dr Ste 120, Lexington, KY, 40509 | 47.4 | |
| Allstate | Paul Maupin | 1476 W Lexington Ave Ste A, Winchester, KY, 40391 | 37.1 | |
| State Farm | Steve Barker | 519 W Main St, Morehead, KY, 40351-1539 | 19.7 | |
| Travelers | Professional Insurance Plans | 3197 Brighton Place Dr, Lexington, KY, 40509 | 46.0 | |
| State Farm | Dawn Stice | 121 Prosperous Pl Ste 11a, Lexington, KY, 40509-1834 | 47.5 | |
| Nationwide | Poland Insurance Agency Inc. | 101 Markham Drive, Georgetown, KY, 40324-2004 | 48.0 | |
| State Farm | Mike Brownell | 503 Darby Creek Rd Ste 15, Lexington, KY, 40509-1603 | 46.7 | |
| State Farm | Howard Shelton | 2614 Richmond Rd, Lexington, KY, 40509-1501 | 47.7 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $650 | $1,240 | $590 |
| Fleming County, KY | $89,900 | $691 | $500 | $950 | $450 |
| Fleming County, KY | $89,900 | $691 | $500 | $960 | $460 |
| Byrd, OH | $101,600 | $629 | $450 | $890 | $440 |
| Ezel, KY | $85,900 | $725 | $490 | $1,030 | $540 |
| Morgan County, KY | $77,500 | $638 | $430 | $910 | $480 |
| Peebles, OH | $83,800 | $576 | $420 | $820 | $400 |
| Elkfork-Ophir, KY | $56,900 | $581 | $390 | $830 | $440 |
| Cannel City, KY | $64,500 | $621 | $420 | $880 | $460 |
| Sardinia, OH | $73,500 | $543 | $400 | $770 | $370 |
| South Shore, KY | $86,200 | $727 | $500 | $1,000 | $500 |
| Corinth, KY | $93,400 | $758 | $520 | $1,050 | $530 |
| Waco-Bybee, KY | $121,600 | $729 | $530 | $1,030 | $500 |