Gavop shows you how to buy homeowners insurance in Louisa, 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 | $29,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $100,500 | $90,000 | $75,000-$100,000 |
| 3 Bedroom | $102,500 | $90,000 | $100,000-$125,000 |
| 4 Bedroom | $127,500 | $110,000 | $125,000-$150,000 |
| 5 Bedroom | $181,500 | $160,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$108 | $567 |
| Superior Protection Discount | -$61 | $614 |
| Fire & Security Discount | -$74 | $600 |
| Hail Resistant Roof Discount | -$20 | $654 |
| Newly Constructed Home Discount | -$148 | $526 |
| 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 | $2,000 | $643 | $2,643 | $467 | $2,467 | $176 |
| Louisa, KY | $1,500 | $666 | $2,166 | $484 | $1,984 | $182 |
| Adams, KY | $500 | $622 | $1,122 | $452 | $952 | $170 |
| Wayne, WV | $2,500 | $589 | $3,089 | $428 | $2,928 | $161 |
| Westmoreland, WV | $400 | $657 | $1,057 | $477 | $877 | $180 |
| Ashland, KY | $2,000 | $631 | $2,631 | $458 | $2,458 | $172 |
| Elkfork-Ophir, KY | $200 | $574 | $774 | $417 | $617 | $157 |
| Morehead, KY | $100 | $659 | $759 | $479 | $579 | $180 |
| Mitchell Heights, WV | $2,500 | $851 | $3,351 | $618 | $3,118 | $232 |
| Logan, WV | $100 | $670 | $770 | $487 | $587 | $183 |
| Wayland, KY | $700 | $617 | $1,317 | $448 | $1,148 | $168 |
| Home Insurance Company Louisa, KY | Homeowners Insurance Agency Louisa, KY | Address | Popularity Score | Distance from Louisa (miles) |
|---|---|---|---|---|
| State Farm | Steve Barker | 519 W Main St, Morehead, KY, 40351-1539 | 42.1 | |
| State Farm | Jennifer Reynolds | 145 Wedngtn Br Rd, Pikeville, KY, 41501-3204 | 43.7 | |
| State Farm | Bob Wages | 1019 State Route 716, Ashland, KY, 41102-8257 | 19.4 | |
| Travelers | Trademark Insurance | 264 Old Flemingsburg Rd, Morehead, KY, 40351 | 42.4 | |
| Allstate | Wells & Middleton | 2019 Ashland Rd, Greenup, KY, 41144 | 29.3 | |
| Travelers | Wells & Middleton Insurance Inc | 2019 Ashland Rd, Greenup, KY, 41144 | 29.0 | |
| Allstate | Melissa Crowdus | 3767 N Mayo Trl Ste 5, Pikeville, KY, 41501 | 44.3 | |
| Travelers | Wells & Middleton Insurance Inc | 2019 Ashland Road, Greenup, KY, 41144 | 29.3 | |
| State Farm | Ramona Salyer | 308 Horton St, Grayson, KY, 41143-1319 | 19.3 | |
| Allstate | John J. Ross Jr. | 4332 13th St Unit 1, Ashland, KY, 41102 | 20.4 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $640 | $1,250 | $610 |
| Lawrence County, KY | $80,400 | $651 | $440 | $930 | $490 |
| Louisa, KY | $104,300 | $675 | $480 | $940 | $460 |
| Adams, KY | $66,200 | $630 | $460 | $890 | $430 |
| Wayne, WV | $76,100 | $596 | $400 | $850 | $450 |
| Westmoreland, WV | $109,600 | $665 | $450 | $940 | $490 |
| Ashland, KY | $93,900 | $638 | $440 | $870 | $430 |
| Elkfork-Ophir, KY | $56,900 | $581 | $420 | $830 | $410 |
| Morehead, KY | $102,000 | $667 | $460 | $940 | $480 |
| Mitchell Heights, WV | $162,900 | $861 | $620 | $1,190 | $570 |
| Logan, WV | $98,300 | $678 | $460 | $930 | $470 |
| Wayland, KY | $65,100 | $624 | $440 | $870 | $430 |