Gavop's guide to buying homeowners insurance in Bardstown, 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.
| Bardstown, 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 | |
| Auberry Ct, Angela Dr, Armag Ave, Cambridge Ct, Royal Oak Dr, Cr-1399, North Dr, Freeman Ave, Court Sq, Banjo St | $123,000 | $100,000 | $100,000-$125,000 | $142,500 | $130,000 | $125,000-$150,000 |
| E Stephen Foster Ave, Marvin Downs Rd, Cr-1394, Cr-1156, Paisley Ct, Wire Ln, Ashton Ct, Plaza Dr, Cs-1224, W Muir Ave | $95,000 | $80,000 | $75,000-$100,000 | $70,000 | $60,000 | $50,000-$75,000 |
| Old Sutherland Ln, Gilkey Run Rd, Dugan Ln, Clear Springs Dr, Gaffney Ln, Watts Ct, E Raspberry Aly, Magnolia Dr, Templin Ave, Dorchester Ln | $170,000 | $140,000 | $175,000-$200,000 | $133,000 | $110,000 | $125,000-$150,000 |
| Windsor Ave, Roby Dr, Jones Ave, Thomas Ln, Fern Lea Cir, Avondale Dr, Cecil Ct, Pottershop Rd, State Hwy 2230, Woodland Dr | $149,500 | $130,000 | $125,000-$150,000 | $105,000 | $100,000 | $75,000-$100,000 |
| Arrow Trl, Eastview Ave, Apollo Pl, Republic Ct, Deep Springs Dr, Balltown Rd, E Stephen Foster Ave, State Hwy 3208, Cr-1612, Wimpsett Schoolhouse Rd | $127,000 | $120,000 | $125,000-$150,000 | $63,000 | $50,000 | $50,000-$75,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$125 | $656 |
| Superior Protection Discount | -$70 | $711 |
| Fire & Security Discount | -$86 | $695 |
| Hail Resistant Roof Discount | -$23 | $758 |
| Newly Constructed Home Discount | -$164 | $617 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $7,536 |
| Hail Damage | $5,587 |
| Wind Damage | $10,116 |
| Expensive Claims | |
| Fire | $36,411 |
| Accidental Discharge/Leakage | $8,798 |
| Optional Coverage Losses | $8,156 |
| Home Insurance Company Bardstown, KY | Homeowners Insurance Agency Bardstown, KY | Address | Popularity Score | Distance from Bardstown (miles) |
|---|---|---|---|---|
| State Farm | Travis Easterling | 1002 Granite Dr Ste 101, Bardstown, KY, 40004-2076 | 1.8 | |
| Travelers | Francis & Company Inc | 3103 Breckenridge Ln Ste 6, Louisville, KY, 40220 | 30.3 | |
| Liberty Mutual Independent | Fusting And Dugan Insurance Llc | 9322 Taylorsville Rd Ste 4b, Louisville, KY, 40299 | 29.3 | |
| State Farm | Justin Roper | 8800 Dixie Hwy Ste B, Louisville, KY, 40258-1059 | 31.6 | |
| State Farm | Mylan Wright | 245 Lexington St, Lancaster, KY, 40444-1184 | 49.1 | |
| Travelers | Maupin Bratcher Insurance Agency Llc | 4229 Bardstown Rd Ste 123, Louisville, KY, 40218 | 28.9 | |
| State Farm | Robert Wiggins Jr | 1313 Lyndon Ln Ste 116, Louisville, KY, 40222-7301 | 33.8 | |
| Allstate | Scot Dawson | 1257 Highway 44 E, Shepherdsville, KY, 40165 | 19.4 | |
| Travelers | Smith & Associates Insurance Inc | 607 North Third Street, Bardstown, KY, 40004 | 1.6 | |
| State Farm | Denise Brooks | 635 S Lincoln Blvd, Hodgenville, KY, 42748-1010 | 22.7 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $610 | $1,260 | $650 |
| Nelson County, KY | $144,800 | $905 | $610 | $1,260 | $650 |
| Bardstown, KY | $140,600 | $781 | $560 | $1,100 | $540 |
| Hebron Estates, KY | $197,000 | $1,080 | $730 | $1,520 | $790 |
| Fox Chase, KY | $226,700 | $1,146 | $790 | $1,630 | $840 |
| Pond Creek, KY | $131,100 | $756 | $520 | $1,070 | $550 |
| Perryville, KY | $148,800 | $955 | $650 | $1,330 | $680 |
| Campbellsville, KY | $108,800 | $690 | $500 | $970 | $470 |
| Rolling Hills, KY | $159,900 | $987 | $680 | $1,360 | $680 |
| Manor Creek, KY | $266,300 | $1,233 | $840 | $1,750 | $910 |
| Burgin, KY | $164,200 | $998 | $670 | $1,420 | $750 |
| Clark County, IN | $131,500 | $825 | $590 | $1,140 | $550 |