Gavop's guide to buying homeowners insurance in McLean 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 | $110,000 | $100,000 | $100,000-$125,000 |
| 3 Bedroom | $162,500 | $140,000 | $175,000-$200,000 |
| 4 Bedroom | $136,500 | $120,000 | $150,000-$175,000 |
| 5 Bedroom | $240,500 | $220,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$104 | $545 |
| Superior Protection Discount | -$58 | $591 |
| Fire & Security Discount | -$58 | $591 |
| Hail Resistant Roof Discount | -$19 | $630 |
| Newly Constructed Home Discount | -$188 | $461 |
| 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 |
| McLean County | $700 | $642 | $1,342 | $466 | $1,166 | $175 |
| McLean County, KY | $700 | $642 | $1,342 | $466 | $1,166 | $175 |
| Owensboro, KY | $400 | $783 | $1,183 | $569 | $969 | $214 |
| Hartford, KY | $2,000 | $708 | $2,708 | $515 | $2,515 | $194 |
| Muhlenberg County, KY | $200 | $679 | $879 | $493 | $693 | $185 |
| Maceo, KY | $2,000 | $539 | $2,539 | $392 | $2,392 | $147 |
| Ohio, IN | $400 | $779 | $1,179 | $566 | $966 | $213 |
| Vanderburgh County, IN | $700 | $786 | $1,486 | $571 | $1,271 | $215 |
| Elberfeld, IN | $500 | $772 | $1,272 | $561 | $1,061 | $211 |
| Greencastle, KY | $100 | $860 | $960 | $625 | $725 | $235 |
| Haubstadt, IN | $2,500 | $909 | $3,409 | $661 | $3,161 | $248 |
| Home Insurance Company McLean County, KY | Homeowners Insurance Agency McLean County, KY | Address | Popularity Score | Distance from McLean County (miles) |
|---|---|---|---|---|
| Travelers | Ohio Valley Insurance Llc | 2510 B Tamarack Rd, Owensboro, KY, 42301 | 15.2 | |
| State Farm | Amber Vincent | 1603 W Everly Brothers Blvd, Central City, KY, 42330-2710 | 18.8 | |
| State Farm | Baker Gardner | 101 Ashley Plaza Cir Ste 1, Morgantown, KY, 42261-7236 | 38.3 | |
| Travelers | Shane Cox Insurance Inc | 216 West 3rd St, Owensboro, KY, 42303 | 18.7 | |
| State Farm | Shane Boggess | 2003 Stapp Dr, Henderson, KY, 42420-2663 | 28.2 | |
| State Farm | Mitch Jackson | 141 Old Highway 60, Hardinsburg, KY, 40143-2501 | 47.8 | |
| Allstate | David F. Lindow | 1210 Burlew Blvd Ste A, Owensboro, KY, 42303 | 17.4 | |
| State Farm | Allen Wade | 2021 Frederica St, Owensboro, KY, 42301-4820 | 17.6 | |
| State Farm | Todd Inman | 1401 J R Miller Blvd, Owensboro, KY, 42303-3173 | 18.1 | |
| Allstate | Bob Manion | 107 E 18th St, Owensboro, KY, 42303 | 17.8 |
| 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 |
| McLean County, KY | $96,800 | $649 | $470 | $920 | $450 |
| McLean County, KY | $96,800 | $649 | $470 | $900 | $430 |
| Owensboro, KY | $107,900 | $792 | $560 | $1,090 | $530 |
| Hartford, KY | $84,100 | $717 | $520 | $1,030 | $510 |
| Muhlenberg County, KY | $82,000 | $687 | $490 | $970 | $480 |
| Maceo, KY | $50,700 | $546 | $380 | $780 | $400 |
| Ohio, IN | $166,200 | $789 | $540 | $1,080 | $540 |
| Vanderburgh County, IN | $121,200 | $795 | $570 | $1,090 | $520 |
| Elberfeld, IN | $108,900 | $781 | $570 | $1,090 | $520 |
| Greencastle, KY | $122,200 | $870 | $640 | $1,240 | $600 |
| Haubstadt, IN | $158,200 | $920 | $630 | $1,270 | $640 |