Gavop shows you how to buy homeowners insurance in Wolfe County, 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 | $32,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $57,500 | $50,000 | $50,000-$75,000 |
| 3 Bedroom | $87,000 | $80,000 | $50,000-$75,000 |
| 4 Bedroom | $166,000 | $140,000 | $175,000-$200,000 |
| 5 Bedroom | $153,500 | $140,000 | $125,000-$150,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$105 | $479 |
| Superior Protection Discount | -$53 | $531 |
| Fire & Security Discount | -$58 | $526 |
| Hail Resistant Roof Discount | -$12 | $572 |
| Newly Constructed Home Discount | -$140 | $444 |
| 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 |
| Wolfe County | $2,500 | $577 | $3,077 | $419 | $2,919 | $158 |
| Wolfe County, KY | $1,000 | $577 | $1,577 | $419 | $1,419 | $158 |
| Hazel Green, KY | $200 | $661 | $861 | $480 | $680 | $181 |
| Ezel, KY | $1,000 | $716 | $1,716 | $521 | $1,521 | $196 |
| Jackson, KY | $400 | $561 | $961 | $408 | $808 | $153 |
| Wrigley, KY | $1,000 | $658 | $1,658 | $478 | $1,478 | $180 |
| Dice, KY | $200 | $623 | $823 | $453 | $653 | $170 |
| Southeast Clark, KY | $2,500 | $894 | $3,394 | $650 | $3,150 | $244 |
| Big Creek, KY | $500 | $446 | $946 | $324 | $824 | $122 |
| Martin, KY | $2,500 | $629 | $3,129 | $457 | $2,957 | $172 |
| Lawrence County, KY | $500 | $643 | $1,143 | $467 | $967 | $176 |
| Betsy Layne, KY | $1,000 | $784 | $1,784 | $570 | $1,570 | $214 |
| Home Insurance Company Wolfe County, KY | Homeowners Insurance Agency Wolfe County, KY | Address | Popularity Score | Distance from Wolfe County (miles) |
|---|---|---|---|---|
| Travelers | Vince Wells Insurance | 110 South Broadway, Carlisle, KY, 40311 | 48.8 | |
| Allstate | Paul Maupin | 1476 W Lexington Ave Ste A, Winchester, KY, 40391 | 43.0 | |
| State Farm | Paul Pelphrey | 219 Broadway St, Paintsville, KY, 41240-1255 | 38.0 | |
| Liberty Mutual Independent | Linville Insurance Agency | 302 Richmond Rd N, Berea, KY, 40403 | 44.6 | |
| State Farm | Craig Loftis | 145 Plaza Drive, Berea, KY, 40403 | 46.4 | |
| State Farm | Tim Green | 3 N Main St, Winchester, KY, 40391 | 41.1 | |
| State Farm | Don Mills | 130 E Main St Ste 4, Richmond, KY, 40475-1653 | 43.7 | |
| Allstate | Randy Howell | 100 Saint George St, Richmond, KY, 40475 | 44.9 | |
| State Farm | Bill Anderson | 814 Bypass Rd, Winchester, KY, 40391-1002 | 43.1 | |
| State Farm | Jerry Goble | 450 Big Hill Ave, Richmond, KY, 40475-2566 | 43.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $620 | $1,230 | $610 |
| Wolfe County, KY | $65,700 | $584 | $410 | $830 | $420 |
| Wolfe County, KY | $65,700 | $584 | $430 | $810 | $380 |
| Hazel Green, KY | $73,900 | $669 | $460 | $950 | $490 |
| Ezel, KY | $85,900 | $725 | $500 | $1,000 | $500 |
| Jackson, KY | $54,600 | $568 | $380 | $780 | $400 |
| Wrigley, KY | $73,300 | $666 | $460 | $940 | $480 |
| Dice, KY | $66,300 | $631 | $440 | $880 | $440 |
| Southeast Clark, KY | $132,500 | $905 | $610 | $1,240 | $630 |
| Big Creek, KY | $35,100 | $451 | $310 | $630 | $320 |
| Martin, KY | $67,500 | $637 | $470 | $900 | $430 |
| Lawrence County, KY | $80,400 | $651 | $460 | $930 | $470 |
| Betsy Layne, KY | $101,900 | $794 | $540 | $1,120 | $580 |