Gavop shows you how to buy homeowners insurance in Lawrence 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 | $40,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $96,500 | $80,000 | $100,000-$125,000 |
| 3 Bedroom | $136,500 | $120,000 | $100,000-$125,000 |
| 4 Bedroom | $198,000 | $180,000 | $200,000-$250,000 |
| 5 Bedroom | $213,000 | $180,000 | $250,000-$300,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$52 | $599 |
| Home and Two Car | -$104 | $547 |
| Home and Three Car | -$150 | $501 |
| 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 |
| Lawrence County | $700 | $643 | $1,343 | $467 | $1,167 | $176 |
| Lawrence County, KY | $700 | $643 | $1,343 | $467 | $1,167 | $176 |
| Inez, KY | $500 | $629 | $1,129 | $457 | $957 | $172 |
| Grayson, KY | $1,500 | $687 | $2,187 | $499 | $1,999 | $188 |
| Grassy Creek, KY | $300 | $681 | $981 | $495 | $795 | $186 |
| Rowan County, KY | $2,500 | $719 | $3,219 | $522 | $3,022 | $196 |
| Holden, WV | $200 | $598 | $798 | $434 | $634 | $163 |
| Grethel-Teaberry, KY | $1,500 | $666 | $2,166 | $484 | $1,984 | $182 |
| Laurel-Petersville, KY | $300 | $545 | $845 | $396 | $696 | $149 |
| McConnell, WV | $1,000 | $636 | $1,636 | $462 | $1,462 | $174 |
| Malaga, KY | $100 | $640 | $740 | $465 | $565 | $175 |
| Hannan, WV | $1,000 | $609 | $1,609 | $442 | $1,442 | $166 |
| Home Insurance Company Lawrence County, KY | Homeowners Insurance Agency Lawrence County, KY | Address | Popularity Score | Distance from Lawrence County (miles) |
|---|---|---|---|---|
| State Farm | Steve Barker | 519 W Main St, Morehead, KY, 40351-1539 | 38.8 | |
| State Farm | Bob Wages | 1019 State Route 716, Ashland, KY, 41102-8257 | 25.1 | |
| Travelers | Trademark Insurance | 264 Old Flemingsburg Rd, Morehead, KY, 40351 | 39.1 | |
| Allstate | Wells & Middleton | 2019 Ashland Rd, Greenup, KY, 41144 | 34.0 | |
| Travelers | Wells & Middleton Insurance Inc | 2019 Ashland Rd, Greenup, KY, 41144 | 33.8 | |
| State Farm | Don Hillman | 209 E Perry St, Louisa, KY, 41230 | 7.9 | |
| Travelers | Wells & Middleton Insurance Inc | 2019 Ashland Road, Greenup, KY, 41144 | 34.0 | |
| Allstate | Justice & Stamper | 5445 N Mayo Trl, Pikeville, KY, 41501 | 37.9 | |
| State Farm | Scott Hester | 800 13th St, Ashland, KY, 41101-2638 | 28.1 | |
| State Farm | Ramona Salyer | 308 Horton St, Grayson, KY, 41143-1319 | 20.8 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $650 | $1,280 | $630 |
| Lawrence County, KY | $80,400 | $651 | $480 | $930 | $450 |
| Lawrence County, KY | $80,400 | $651 | $460 | $890 | $430 |
| Inez, KY | $77,300 | $637 | $430 | $910 | $480 |
| Grayson, KY | $110,600 | $696 | $470 | $990 | $520 |
| Grassy Creek, KY | $78,000 | $689 | $460 | $950 | $490 |
| Rowan County, KY | $121,100 | $727 | $520 | $1,000 | $480 |
| Holden, WV | $78,300 | $605 | $430 | $830 | $400 |
| Grethel-Teaberry, KY | $74,900 | $674 | $490 | $930 | $440 |
| Laurel-Petersville, KY | $51,900 | $552 | $390 | $780 | $390 |
| McConnell, WV | $88,600 | $644 | $470 | $910 | $440 |
| Malaga, KY | $69,600 | $648 | $460 | $890 | $430 |
| Hannan, WV | $81,100 | $616 | $410 | $870 | $460 |