Gavop tells you how to get the best homeowners insurance in Stearns-Whitley City, KY by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $31,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $51,000 | $40,000 | $25,000-$50,000 |
| 3 Bedroom | $103,000 | $90,000 | $75,000-$100,000 |
| 4 Bedroom | $125,500 | $110,000 | $125,000-$150,000 |
| 5 Bedroom | $159,000 | $140,000 | $125,000-$150,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$156 | $710 |
| Superior Protection Discount | -$78 | $788 |
| Fire & Security Discount | -$78 | $788 |
| Hail Resistant Roof Discount | -$26 | $840 |
| Newly Constructed Home Discount | -$199 | $666 |
| 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 |
| McCreary County | $2,000 | $848 | $2,848 | $616 | $2,616 | $232 |
| Whitley City, KY | $2,500 | $855 | $3,355 | $621 | $3,121 | $234 |
| Whitley City, KY | $100 | $512 | $612 | $372 | $472 | $140 |
| McCreary County, KY | $700 | $848 | $1,548 | $616 | $1,316 | $232 |
| Stearns, KY | $200 | $544 | $744 | $396 | $596 | $149 |
| Coopersville, KY | $2,500 | $600 | $3,100 | $436 | $2,936 | $164 |
| Middlesborough, KY | $300 | $643 | $943 | $467 | $767 | $176 |
| Russell County, KY | $2,000 | $673 | $2,673 | $489 | $2,489 | $184 |
| Albany, KY | $500 | $577 | $1,077 | $419 | $919 | $158 |
| Rockcastle County, KY | $2,500 | $645 | $3,145 | $469 | $2,969 | $176 |
| Harrogate, TN | $500 | $944 | $1,444 | $686 | $1,186 | $258 |
| Grimsley, TN | $1,000 | $762 | $1,762 | $554 | $1,554 | $208 |
| Home Insurance Company Whitley City, KY | Homeowners Insurance Agency Whitley City, KY | Address | Popularity Score | Distance from Whitley City (miles) |
|---|---|---|---|---|
| Travelers | First Insurance Group | 2520 S Hwy 27, Somerset, KY, 42501 | 24.8 | |
| Travelers | First Insurance Group | 2520 S Highway 27, Somerset, KY, 42501 | 26.2 | |
| State Farm | Chad Smallwood | 645 S Highway 27 Ste 6, Somerset, KY, 42501-3507 | 26.3 | |
| Travelers | Mathis Insurance Agency Inc | 1340 S Hwy 27 Ste A, Somerset, KY, 42501 | 25.7 | |
| Travelers | Davis Insurance Agency | 6040 North Highway 127, Albany, KY, 42602 | 41.3 | |
| State Farm | Lisa Beard | 106 Plaza Dr, Albany, KY, 42602-1659 | 40.3 | |
| State Farm | Kenneth Ramsey | 950 N Main St, Monticello, KY, 42633-1583 | 24.7 | |
| State Farm | Don Moss | 604 Ogden St Ste 201, Somerset, KY, 42501-1718 | 27.0 | |
| State Farm | Jb Pitman Jr | 430 Ogden St Ste 4, Somerset, KY, 42501-1794 | 27.0 | |
| State Farm | Michael Howard | 1106 N Highway 25 W, Williamsburg, KY, 40769-9650 | 13.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $610 | $1,270 | $660 |
| McCreary County, KY | $61,300 | $858 | $580 | $1,220 | $640 |
| Whitley City, KY | $58,000 | $866 | $590 | $1,220 | $630 |
| Whitley City, KY | $45,900 | $518 | $350 | $730 | $380 |
| McCreary County, KY | $61,300 | $858 | $570 | $1,210 | $640 |
| Stearns, KY | $51,700 | $551 | $370 | $760 | $390 |
| Coopersville, KY | $61,800 | $607 | $440 | $840 | $400 |
| Middlesborough, KY | $80,400 | $651 | $460 | $890 | $430 |
| Russell County, KY | $87,300 | $681 | $460 | $950 | $490 |
| Albany, KY | $65,700 | $584 | $420 | $830 | $410 |
| Rockcastle County, KY | $80,800 | $653 | $460 | $920 | $460 |
| Harrogate, TN | $122,900 | $955 | $650 | $1,360 | $710 |
| Grimsley, TN | $77,300 | $771 | $560 | $1,100 | $540 |