How Can I Make My Richmond, KY Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Richmond, 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.
Compare Quotes from Top Providers and Save now!
Select the Suitable Coverage Value for your Richmond, KY Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $62,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $95,000 | $90,000 | $75,000-$100,000 |
| 3 Bedroom | $202,500 | $190,000 | $150,000-$175,000 |
| 4 Bedroom | $236,000 | $200,000 | $200,000-$250,000 |
| 5 Bedroom | $464,000 | $400,000 | $350,000-$400,000 |
Estimate your Savings with Home Insurance Discounts in Richmond, KY | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$161 | $784 |
| Superior Protection Discount | -$94 | $850 |
| Fire & Security Discount | -$76 | $869 |
| Hail Resistant Roof Discount | -$28 | $916 |
| Newly Constructed Home Discount | -$189 | $756 |
Choose your Richmond, KY Home Insurance Coverage for your Specific Claim Requirement | Back to Top
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,975 |
| Physical Damage | $2,295 |
| Hail Damage | $4,476 |
| Wind Damage | $6,178 |
| Expensive Claims | |
| Fire | $44,229 |
| Smoke | $17,556 |
Identify Top Home Insurance Agents near Richmond, KY | Back to Top
| Home Insurance Company Richmond, KY | Homeowners Insurance Agency Richmond, KY | Address | Popularity Score | Distance from Richmond (miles) |
|---|---|---|---|---|
| State Farm | Daniel Byrd | 331 Versailles Rd, Frankfort, KY, 40601-3646 | 43.6 | |
| Allstate | Rebecca Turner | 218 N Main St, Nicholasville, KY, 40356 | 18.5 | |
| State Farm | Steve Page | 626 Edgewood Dr, Nicholasville, KY, 40356-2261 | 19.1 | |
| State Farm | Rp Lopez | 2100 Lawrenceburg Rd, Frankfort, KY, 40601-7537 | 43.9 | |
| Allstate | Asa Pham | 169 E Reynolds Rd Ste 104, Lexington, KY, 40517 | 22.0 | |
| Allstate | Andrew Strother | 4384 Clearwater Way Ste 130, Lexington, KY, 40515 | 19.7 | |
| Nationwide | Poland Insurance Agency Inc. | 101 Markham Drive, Georgetown, KY, 40324-2004 | 35.4 | |
| State Farm | Randall Chewning | 131 Orchard Dr, Nicholasville, KY, 40356-2690 | 18.7 | |
| State Farm | Jerry Goble | 450 Big Hill Ave, Richmond, KY, 40475-2566 | 1.4 | |
| Travelers | Richards Insurance Inc | 682 Teton Tr, Frankfort, KY, 40602 | 45.0 |
Compare Rates for Richmond, KY Home Insurance Providers | Back to Top
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $650 | $1,280 | $630 |
| Madison County, KY | $151,000 | $924 | $670 | $1,270 | $600 |
| Richmond, KY | $158,800 | $945 | $640 | $1,330 | $690 |
| Kirksville, KY | $202,700 | $1,093 | $750 | $1,500 | $750 |
| Cottonburg-Valley View, KY | $103,600 | $800 | $580 | $1,140 | $560 |
| Estill County, KY | $71,000 | $609 | $410 | $840 | $430 |
| Sandgap, KY | $78,900 | $693 | $510 | $960 | $450 |
| Boyle County, KY | $141,100 | $783 | $570 | $1,120 | $550 |
| West Menifee, KY | $71,500 | $657 | $480 | $900 | $420 |
| Middleburg, KY | $63,000 | $613 | $440 | $870 | $430 |
| Nicholas County, KY | $82,100 | $658 | $450 | $910 | $460 |
| Cynthiana, KY | $135,300 | $768 | $550 | $1,060 | $510 |
| Mount Victory, KY | $72,300 | $661 | $450 | $950 | $500 |
Research Home Insurance Companies Reviews in Richmond, KY Before Buying | Back to Top
Share a review on your home insurance company
Allstate Home Insurance Reviews
Date: December 27, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Premium
Most other insurance providers asked for a lot more my current provider. Due to the fact that I wasn't an existing customer with them, and just recently in the last two years had existing coverage.
Date: July 20, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Policy Offerings
I would say their policy offerings are the same as what other companies offer. I am satisfied
Liberty Mutual Home Insurance Reviews
Date: September 14, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Policy Offerings
The policy offerings are comparable to other insurance companies therefore I guess I would give them a ranking of five. No barriers have been encountered on my quest for coverage.
Alfa Insurance Home Insurance Reviews
Date: October 10, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Customer Service
Alfa insurance concern is the best to compare with other concern I feel comfortable with this insurance concern I will always prefer this to others
Progressive Home Insurance Reviews
Date: October 18, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
The customer service is great, i like the online help and the online service they provided. I was able to make changes and get my insurance information online at my convenience