Gavop's guide to buying homeowners insurance in Morganfield, 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 | $31,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $73,000 | $60,000 | $75,000-$100,000 |
| 3 Bedroom | $109,000 | $90,000 | $125,000-$150,000 |
| 4 Bedroom | $102,500 | $80,000 | $100,000-$125,000 |
| 5 Bedroom | $267,000 | $250,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$117 | $573 |
| Superior Protection Discount | -$62 | $628 |
| Fire & Security Discount | -$62 | $628 |
| Hail Resistant Roof Discount | -$14 | $676 |
| Newly Constructed Home Discount | -$166 | $524 |
| 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 |
| Union County | $1,500 | $655 | $2,155 | $476 | $1,976 | $179 |
| Morganfield, KY | $2,000 | $682 | $2,682 | $495 | $2,495 | $186 |
| Shawneetown, IL | $100 | $495 | $595 | $360 | $460 | $135 |
| North Fork, IL | $2,500 | $501 | $3,001 | $364 | $2,864 | $137 |
| West Crittenden, KY | $300 | $706 | $1,006 | $513 | $813 | $193 |
| Crittenden County, KY | $2,000 | $661 | $2,661 | $480 | $2,480 | $181 |
| Cynthiana, IN | $2,500 | $656 | $3,156 | $477 | $2,977 | $179 |
| Webster No. 5, IL | $100 | $673 | $773 | $489 | $589 | $184 |
| Hatfield, IN | $2,500 | $641 | $3,141 | $466 | $2,966 | $175 |
| Daviess County, KY | $400 | $837 | $1,237 | $608 | $1,008 | $229 |
| Knight Prairie, IL | $1,500 | $597 | $2,097 | $434 | $1,934 | $163 |
| Home Insurance Company Morganfield, KY | Homeowners Insurance Agency Morganfield, KY | Address | Popularity Score | Distance from Morganfield (miles) |
|---|---|---|---|---|
| Travelers | Ohio Valley Insurance Llc | 2510 B Tamarack Rd, Owensboro, KY, 42301 | 43.9 | |
| State Farm | Carrie Divine | 701 Us Highway 60 E, Morganfield, KY, 42437-1169 | 2.5 | |
| State Farm | Daniel Dick | 3101 Alvey Park Dr E Ste B, Owensboro, KY, 42303-2130 | 48.9 | |
| Travelers | Neely Insurance Agency Llc | 2120 Frederica St, Owensboro, KY, 42301 | 46.3 | |
| State Farm | Todd Inman | 1401 J R Miller Blvd, Owensboro, KY, 42303-3173 | 46.6 | |
| Allstate | Bob Manion | 107 E 18th St, Owensboro, KY, 42303 | 46.5 | |
| Travelers | Brown & Hammack Insurance | Po Box 349, Clay, KY, 42404 | 15.2 | |
| Travelers | Morgan Insurance Services | 796 Industrial Ct, Madisonville, KY, 42431 | 32.9 | |
| Travelers | Brown & Hammack Insurance | Po Box 337, Clay, KY, 42404 | 15.2 | |
| State Farm | Bob Williams | 819 W Parrish Ave, Owensboro, KY, 42301-3651 | 46.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $650 | $1,260 | $610 |
| Union County, KY | $83,100 | $663 | $480 | $950 | $470 |
| Morganfield, KY | $89,700 | $690 | $500 | $950 | $450 |
| Shawneetown, IL | $61,800 | $501 | $340 | $710 | $370 |
| North Fork, IL | $63,200 | $507 | $340 | $690 | $350 |
| West Crittenden, KY | $83,600 | $715 | $510 | $990 | $480 |
| Crittenden County, KY | $84,600 | $669 | $450 | $920 | $470 |
| Cynthiana, IN | $77,900 | $664 | $460 | $920 | $460 |
| Webster No. 5, IL | $109,800 | $681 | $500 | $940 | $440 |
| Hatfield, IN | $74,300 | $649 | $470 | $930 | $460 |
| Daviess County, KY | $123,200 | $847 | $580 | $1,210 | $630 |
| Knight Prairie, IL | $87,000 | $604 | $400 | $850 | $450 |