Gavop's guide to buying homeowners insurance in Smithland, 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.
| Smithland, KY - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Wilson Ave, Barkley Dr, Fellowship Rd, Meadowlark Ln, Thompson Ave, Pleasantview Dr, Corinth Church Rd, Cecil Dr, N Court St, Marine Dr | $141,000 | $120,000 | $150,000-$175,000 | $115,000 | $100,000 | $100,000-$125,000 |
| Pat Lummus St, Valley Rd, Railroad Hill Dr, Riverfront Dr, Edmonds Ln, Peach Orchard Rd, Level St, Lindsey Rd, Wood Rd, Fawn Rd | $105,500 | $90,000 | $75,000-$100,000 | $93,000 | $80,000 | $75,000-$100,000 |
| Lantripp Rd, State Hwy 866, Cothran Rd, Bayview Dr, Nickell St, Varnell Rd, Marica Dr, Walker Dr, Peaceful Cove, Jason Ln | $151,000 | $140,000 | $125,000-$150,000 | $72,000 | $60,000 | $75,000-$100,000 |
| Jerry Dr, Brandon Dr, J W Lake Rd, Court St, Peden Hollow Rd, Evelyn Rd, Clarks Ferry Rd, Kellum Rd, Faulks Rd, Hale St | $116,000 | $100,000 | $100,000-$125,000 | $101,500 | $80,000 | $100,000-$125,000 |
| McGuire Rd, Center St, Payne St, Sherry Lynn Dr, Wentworth Dr, Cherry Ln, Red Bud Rd, Easter Day Rd, Mill St, State Hwy 2225 | $91,500 | $90,000 | $75,000-$100,000 | $81,000 | $80,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$104 | $544 |
| Superior Protection Discount | -$65 | $583 |
| Fire & Security Discount | -$58 | $589 |
| Hail Resistant Roof Discount | -$19 | $628 |
| Newly Constructed Home Discount | -$188 | $460 |
| 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 |
| Livingston County | $1,000 | $686 | $1,686 | $499 | $1,499 | $188 |
| Smithland, KY | $1,500 | $640 | $2,140 | $465 | $1,965 | $175 |
| Rosiclare, IL | $100 | $440 | $540 | $320 | $420 | $120 |
| East Crittenden, KY | $2,500 | $831 | $3,331 | $604 | $3,104 | $227 |
| Grantsburg No. 1, IL | $200 | $671 | $871 | $488 | $688 | $183 |
| Cunningham, KY | $1,000 | $840 | $1,840 | $610 | $1,610 | $230 |
| Eddyville No. 6, IL | $500 | $598 | $1,098 | $434 | $934 | $163 |
| Dawson Springs, KY | $700 | $572 | $1,272 | $415 | $1,115 | $156 |
| Burnside, IL | $500 | $594 | $1,094 | $432 | $932 | $162 |
| New Burnside, IL | $700 | $499 | $1,199 | $363 | $1,063 | $136 |
| Breckinridge Center, KY | $100 | $563 | $663 | $409 | $509 | $154 |
| Ohio, MO | $1,000 | $670 | $1,670 | $487 | $1,487 | $183 |
| Home Insurance Company Smithland, KY | Homeowners Insurance Agency Smithland, KY | Address | Popularity Score | Distance from Smithland (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Goodwin Insurance Agency Inc | 312 W Market St, Princeton, KY, 42445 | 24.2 | |
| State Farm | Carrie Divine | 701 Us Highway 60 E, Morganfield, KY, 42437-1169 | 46.1 | |
| Liberty Mutual Independent | Goodwin Insurance Agency Inc | 312 W Market St, Princeton, KY, 42445 | 24.2 | |
| State Farm | Chad Cochran | 1712 State Route 121 N Ste A, Murray, KY, 42071-8864 | 33.2 | |
| Travelers | Morgan Trevathan & Gunn Inc | 106 E 12th St, Benton, KY, 42025 | 17.2 | |
| State Farm | John Zieba | 230b Madison Square Drive, Madisonville, KY, 42431-2792 | 48.9 | |
| Erie | Nelson Dossett Insurance Llc | 122 N Madisonville Street, Crofton, KY, 42217 | 46.3 | |
| State Farm | Larry Krouse | 1100 Main St, Benton, KY, 42025-1450 | 17.2 | |
| Allstate | Gary Eckelkamp | 325 N 4th St, Paducah, KY, 42001 | 15.4 | |
| Travelers | Lyon County Insurance | Po Box 560, Eddyville, KY, 42038 | 13.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $600 | $1,280 | $680 |
| Livingston County, KY | $90,800 | $695 | $490 | $980 | $490 |
| Smithland, KY | $96,300 | $648 | $470 | $920 | $450 |
| Rosiclare, IL | $49,800 | $445 | $300 | $620 | $320 |
| East Crittenden, KY | $114,200 | $841 | $610 | $1,190 | $580 |
| Grantsburg No. 1, IL | $108,900 | $679 | $480 | $960 | $480 |
| Cunningham, KY | $116,600 | $850 | $590 | $1,180 | $590 |
| Eddyville No. 6, IL | $87,400 | $605 | $430 | $860 | $430 |
| Dawson Springs, KY | $64,700 | $578 | $420 | $800 | $380 |
| Burnside, IL | $86,200 | $601 | $440 | $840 | $400 |
| New Burnside, IL | $62,700 | $505 | $360 | $710 | $350 |
| Breckinridge Center, KY | $55,000 | $570 | $420 | $800 | $380 |
| Ohio, MO | $37,500 | $678 | $450 | $930 | $480 |