Gavop's guide to buying homeowners insurance in Middlesborough, 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.
| Middlesborough, 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 | |
| Swallow Ln Spr, E Cumberland Ave, S 20th St, S 27th St, State Hwy 159, Upper Gibson Ln, Lake Hill Dr, S 13th St, N 19th St, Smith Turner Ln | $69,000 | $60,000 | $75,000-$100,000 | $47,500 | $40,000 | $25,000-$50,000 |
| Pratter Rd, Yestown Rd, Yorkshire Ct, Greenwood Rd, Hampton Ct, Johnson Cemetery Rd, Hickory Ln, Doncaster Rd, Wellington Ct, Martin Branch Rd | $102,500 | $90,000 | $100,000-$125,000 | $90,500 | $80,000 | $75,000-$100,000 |
| Dead Horse Hollow Rd, Lower Gibson Ln, Thaxted Ln, N 28th St, Willow St, 20th St, Ennismore Dr, Martin Rd, Prospect Rd, Cumberland Ave Exd | $101,500 | $90,000 | $75,000-$100,000 | $82,500 | $70,000 | $75,000-$100,000 |
| Cannon Cr Rd, Abbey Ct, Upper Duncan Ln, George Ann Dr, Brentwood Cir, Amesbury Ave, W Cumberland Ave, Ed Hunter Ln, State Hwy 2079, Gloucester Ave | $123,500 | $110,000 | $125,000-$150,000 | $103,000 | $90,000 | $100,000-$125,000 |
| E Chester Ave, S 30th St, Cemetery Hollow Rd, Avondale Ave, N 30th St, State Hwy 2395, John Tyler Ln, Ellenwood Rd, Fairview Rd, Napier Rd | $66,500 | $60,000 | $50,000-$75,000 | $64,000 | $50,000 | $50,000-$75,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$52 | $599 |
| Home and Two Car | -$111 | $540 |
| Home and Three Car | -$150 | $501 |
| 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 |
| Bell County | $1,000 | $870 | $1,870 | $632 | $1,632 | $238 |
| Middlesborough, KY | $2,000 | $643 | $2,643 | $467 | $2,467 | $176 |
| Kentucky Ridge, KY | $100 | $525 | $625 | $381 | $481 | $143 |
| Tazewell, TN | $1,500 | $830 | $2,330 | $603 | $2,103 | $227 |
| Alva, KY | $500 | $424 | $924 | $308 | $808 | $116 |
| Fincastle, TN | $1,500 | $769 | $2,269 | $559 | $2,059 | $210 |
| Williamsburg, KY | $300 | $679 | $979 | $493 | $793 | $186 |
| La Follette, TN | $700 | $626 | $1,326 | $455 | $1,155 | $171 |
| Pennington Gap, VA | $100 | $440 | $540 | $320 | $420 | $120 |
| Winfield, TN | $1,500 | $788 | $2,288 | $573 | $2,073 | $215 |
| Jefferson County, TN | $100 | $948 | $1,048 | $689 | $789 | $259 |
| Perry County, KY | $1,500 | $612 | $2,112 | $445 | $1,945 | $167 |
| Home Insurance Company Middlesborough, KY | Homeowners Insurance Agency Middlesborough, KY | Address | Popularity Score | Distance from Middlesborough (miles) |
|---|---|---|---|---|
| State Farm | Phil Mcdonald | 1407 W 5th St, London, KY, 40741-1616 | 38.5 | |
| State Farm | Justin Mays | 1509 Us Highway 25 E, Middlesboro, KY, 40965-1862 | 1.6 | |
| State Farm | Chad Shannon | 473 N 12th St, Middlesboro, KY, 40965-1133 | 2.4 | |
| Liberty Mutual Independent | Insurance Service Center | 100 N Kentucky Ave, Corbin, KY, 40701 | 29.4 | |
| State Farm | Tom Blair | 515 Master St, Corbin, KY, 40701-1055 | 29.4 | |
| State Farm | Tom Shelton | 1260 S Highway 25 W, Williamsburg, KY, 40769-1690 | 25.0 | |
| State Farm | Randy Kidd | 1755 N Hwy 27, Whitley City, KY, 42653 | 42.2 | |
| State Farm | Jeffrey Branum | 109 Union St, Barbourville, KY, 40906-1348 | 17.8 | |
| State Farm | Mike Sparks | 1121 S Main St, Corbin, KY, 40701-1809 | 28.9 | |
| State Farm | Michael Howard | 1106 N Highway 25 W, Williamsburg, KY, 40769-9650 | 27.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $600 | $1,260 | $660 |
| Bell County, KY | $59,400 | $881 | $600 | $1,220 | $620 |
| Middlesborough, KY | $80,400 | $651 | $470 | $920 | $450 |
| Kentucky Ridge, KY | $48,200 | $531 | $360 | $730 | $370 |
| Tazewell, TN | $92,600 | $840 | $600 | $1,180 | $580 |
| Alva, KY | $31,700 | $429 | $310 | $600 | $290 |
| Fincastle, TN | $78,700 | $778 | $520 | $1,070 | $550 |
| Williamsburg, KY | $88,900 | $687 | $470 | $970 | $500 |
| La Follette, TN | $59,600 | $633 | $460 | $910 | $450 |
| Pennington Gap, VA | $79,800 | $445 | $320 | $630 | $310 |
| Winfield, TN | $83,100 | $798 | $580 | $1,100 | $520 |
| Jefferson County, TN | $136,700 | $960 | $690 | $1,350 | $660 |
| Perry County, KY | $73,300 | $619 | $410 | $850 | $440 |