Gavop's guide to buying homeowners insurance in Boone 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.
| Boone County, KY - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 4 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Conservatory Ct, Colony Rd, Skyview Dr, Georgetown Dr, Big Bone Rd, Buckingham Dr, Splendor Dr, Gallatin St, Apex Dr, Walnut Creek Dr | $282,000 | $240,000 | $200,000-$250,000 | $399,000 | $360,000 | $400,000-$500,000 |
| Demia Way, Woodspoint Dr, Orient St, Pheasant Dr, Kenner Dr, Elisnor Ct, Ashton Ct, Sapphire Ln, Whispering Pines Dr, Cedar Tree Ln | $127,000 | $110,000 | $100,000-$125,000 | $108,500 | $100,000 | $100,000-$125,000 |
| Cardinal Way, Bleu Yacht Ln, Corinthian Dr, Strawberry Ln, Hogan Ln, Tattersall Ln, Wheatmore Ln, Tiburon Dr, Hopeful Church Rd, Dark Star Ct | $203,500 | $180,000 | $175,000-$200,000 | $262,000 | $240,000 | $200,000-$250,000 |
| Allison Dr, Long Leaf Ln, E Gallatin St, Connector Dr, Pine Top Dr, State Hwy 3147, Wright Blvd, Hope Trl, Meadowlake Way, Anita Ct | $154,500 | $150,000 | $150,000-$175,000 | $172,000 | $150,000 | $175,000-$200,000 |
| Hillock Ct, 5th St, Cox Rd, Bradford Ave, Rabbit Hash Rd, Vinnings Ct, Tranquility Dr, Thunder Ridge Dr, Spindle Creek Cir, Graves Rd | $213,000 | $180,000 | $200,000-$250,000 | $285,500 | $260,000 | $250,000-$300,000 |
| Bias Hollow Rd, State Hwy 1292, Safeway Dr, Richardson Rd, Village Park Dr, 1925, Orchid Rd, N Dilcrest Cir, Misty Wood Ct, Rocky Springs Rd | $93,000 | $80,000 | $75,000-$100,000 | $121,000 | $100,000 | $125,000-$150,000 |
| Retriever Way, Gettysburg Ln, McGrath Ln, Farmcrest Dr, Center St, Cattail Cove Ln, Patrick Dr, Jamike Ln, Kings Dr, Shadetree Ct | $97,000 | $90,000 | $75,000-$100,000 | $168,000 | $150,000 | $125,000-$150,000 |
| Rosenstiel Rd, Boulder Dr, Veterans Memorial Dr, Riva Ridge Ct, Tall Oaks Dr, Palladian Dr, Landings Way, Greens Edge Dr, Hayfield Dr, Munk Rd | $243,000 | $200,000 | $200,000-$250,000 | $318,500 | $290,000 | $300,000-$350,000 |
| Aristides Dr, Napa Ridge Ct, Huey Dr, Fernwood Pl, Wessex Ln, Inez Ct, Peel Rd, State Hwy 8, Grandin Ct, Heatherwood Dr | $303,500 | $250,000 | $250,000-$300,000 | $280,000 | $240,000 | $250,000-$300,000 |
| Teaberry Ct, Centennial Cir, Logan Rd, Terrell Rd, Kuchle Dr, Reigh Count Ct, Leafy Autumn Ct, Penny Ln, Haven Hill Dr, Falling Water Ln | $164,500 | $150,000 | $150,000-$175,000 | $369,500 | $300,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$185 | $789 |
| Superior Protection Discount | -$97 | $877 |
| Fire & Security Discount | -$68 | $906 |
| Hail Resistant Roof Discount | -$29 | $945 |
| Newly Constructed Home Discount | -$253 | $721 |
| 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 |
| Boone County | $700 | $963 | $1,663 | $700 | $1,400 | $263 |
| Boone County, KY | $700 | $963 | $1,663 | $700 | $1,400 | $263 |
| Petersburg, KY | $100 | $751 | $851 | $546 | $646 | $205 |
| Aurora, IN | $700 | $830 | $1,530 | $603 | $1,303 | $227 |
| Hogan, IN | $400 | $895 | $1,295 | $651 | $1,051 | $245 |
| Fruit Hill, OH | $2,000 | $770 | $2,770 | $559 | $2,559 | $210 |
| Williamstown, KY | $500 | $836 | $1,336 | $607 | $1,107 | $228 |
| Glendale, OH | $2,000 | $895 | $2,895 | $651 | $2,651 | $245 |
| Metamora, IN | $400 | $927 | $1,327 | $673 | $1,073 | $253 |
| Bigger, IN | $2,000 | $825 | $2,825 | $600 | $2,600 | $225 |
| Hunter, OH | $500 | $720 | $1,220 | $523 | $1,023 | $197 |
| Higginsport, OH | $1,500 | $565 | $2,065 | $411 | $1,911 | $154 |
| Home Insurance Company Boone County, KY | Homeowners Insurance Agency Boone County, KY | Address | Popularity Score | Distance from Boone County (miles) |
|---|---|---|---|---|
| State Farm | Mike Martin | 7724 Us 42 Ste A4, Florence, KY, 41042-1949 | 5.2 | |
| Travelers | Barnes Insurance Group | 7600 Dixie Highway, Florence, KY, 41042 | 5.9 | |
| Travelers | Garner Insurance Agency | 7430 Us 42 Ste 207, Florence, KY, 41042 | 5.5 | |
| Liberty Mutual Independent | Crawford Insurance | 179 Fairfield Ave, Bellevue, KY, 41073 | 16.0 | |
| Allstate | Tonya Sharp Staten | 2091 N Bend Rd Ste 140, Hebron, KY, 41048 | 7.8 | |
| Travelers | Garner Insurance Agency | 7430 Us Highway 42 Ste 207, Florence, KY, 41042 | 3.5 | |
| Travelers | Dambrosio & Elders Agency Llc | 8121 Us 42, Florence, KY, 41042 | 4.6 | |
| State Farm | Adam Worrell | 1892 Petersburg Rd, Hebron, KY, 41048-9609 | 6.5 | |
| Allstate | Hans Philippo | 7138 Price Pike, Florence, KY, 41042 | 5.8 | |
| State Farm | Ed Schadler | 998 Dudley Pike, Edgewood, KY, 41017-8174 | 11.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $610 | $1,280 | $670 |
| Boone County, KY | $183,700 | $975 | $660 | $1,380 | $720 |
| Boone County, KY | $183,700 | $975 | $670 | $1,340 | $670 |
| Petersburg, KY | $93,900 | $760 | $520 | $1,090 | $570 |
| Aurora, IN | $127,700 | $840 | $580 | $1,160 | $580 |
| Hogan, IN | $152,500 | $906 | $650 | $1,240 | $590 |
| Fruit Hill, OH | $168,600 | $779 | $550 | $1,080 | $530 |
| Williamstown, KY | $115,600 | $846 | $600 | $1,200 | $600 |
| Glendale, OH | $247,200 | $906 | $640 | $1,280 | $640 |
| Metamora, IN | $165,600 | $938 | $670 | $1,290 | $620 |
| Bigger, IN | $126,200 | $835 | $560 | $1,140 | $580 |
| Hunter, OH | $143,300 | $729 | $520 | $1,040 | $520 |
| Higginsport, OH | $82,400 | $572 | $380 | $810 | $430 |