Gavop shows you how to buy homeowners insurance in Oak Grove-Pembroke, 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 | $46,500 | $40,000 | $50,000-$75,000 |
| 2 Bedroom | $99,500 | $80,000 | $100,000-$125,000 |
| 3 Bedroom | $163,000 | $150,000 | $150,000-$175,000 |
| 4 Bedroom | $234,500 | $200,000 | $200,000-$250,000 |
| 5 Bedroom | $344,500 | $310,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$100 | $612 |
| Superior Protection Discount | -$71 | $640 |
| Fire & Security Discount | -$57 | $655 |
| Hail Resistant Roof Discount | -$14 | $697 |
| Newly Constructed Home Discount | -$149 | $562 |
| 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 |
| Christian County | $1,000 | $799 | $1,799 | $581 | $1,581 | $218 |
| Pembroke, KY | $1,000 | $703 | $1,703 | $511 | $1,511 | $192 |
| Elkton, KY | $500 | $644 | $1,144 | $468 | $968 | $176 |
| Cadiz, KY | $2,000 | $724 | $2,724 | $526 | $2,526 | $198 |
| Adams, TN | $300 | $944 | $1,244 | $686 | $986 | $258 |
| Trigg County, KY | $2,000 | $714 | $2,714 | $519 | $2,519 | $195 |
| White Plains, KY | $400 | $667 | $1,067 | $485 | $885 | $182 |
| Stewart County, TN | $1,500 | $813 | $2,313 | $591 | $2,091 | $222 |
| Robertson County, TN | $400 | $987 | $1,387 | $717 | $1,117 | $270 |
| Tennessee Ridge, TN | $2,500 | $860 | $3,360 | $625 | $3,125 | $235 |
| Hopkins County, KY | $400 | $740 | $1,140 | $538 | $938 | $202 |
| Sugar Grove, KY | $700 | $885 | $1,585 | $643 | $1,343 | $242 |
| Home Insurance Company Pembroke, KY | Homeowners Insurance Agency Pembroke, KY | Address | Popularity Score | Distance from Pembroke (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Goodwin Insurance Agency Inc | 312 W Market St, Princeton, KY, 42445 | 36.6 | |
| Allstate | Woodall Agency | 110 W Washington St, Princeton, KY, 42445 | 36.5 | |
| State Farm | Amanda Gossett | 597 E 4th St, Russellville, KY, 42276-1855 | 29.0 | |
| State Farm | Baker Gardner | 101 Ashley Plaza Cir Ste 1, Morgantown, KY, 42261-7236 | 49.6 | |
| Travelers | Hometown Insurance Agency | 108 S Main St Suite 103, Madisonville, KY, 42431 | 39.7 | |
| Allstate | B. R. Knuckles Insurance Agency | 55 Public Sq, Elkton, KY, 42220 | 13.6 | |
| Travelers | Marklin Insurance Agency Llc | 203 W Washington St, Elkton, KY, 42220 | 13.5 | |
| State Farm | John Mardis | 101 W 5th St, Russellville, KY, 42276-1401 | 28.5 | |
| Travelers | Lyon County Insurance | Po Box 560, Eddyville, KY, 42038 | 44.8 | |
| State Farm | Charlie Henderson | 2919 Ft Campbell Blvd Ste B, Hopkinsville, KY, 42240-4901 | 7.5 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $610 | $1,230 | $620 |
| Christian County, KY | $112,200 | $809 | $550 | $1,120 | $570 |
| Pembroke, KY | $115,700 | $711 | $520 | $1,010 | $490 |
| Elkton, KY | $97,700 | $652 | $470 | $890 | $420 |
| Cadiz, KY | $122,800 | $732 | $530 | $1,040 | $510 |
| Adams, TN | $122,800 | $955 | $650 | $1,310 | $660 |
| Trigg County, KY | $119,500 | $722 | $530 | $990 | $460 |
| White Plains, KY | $75,100 | $675 | $490 | $940 | $450 |
| Stewart County, TN | $130,400 | $823 | $550 | $1,170 | $620 |
| Robertson County, TN | $163,100 | $999 | $680 | $1,370 | $690 |
| Tennessee Ridge, TN | $99,900 | $870 | $630 | $1,230 | $600 |
| Hopkins County, KY | $96,600 | $749 | $530 | $1,060 | $530 |
| Sugar Grove, KY | $130,000 | $896 | $600 | $1,250 | $650 |