Gavop's guide to buying homeowners insurance in Springfield, 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.
| Springfield, 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 | |
| David St, W High St, Hillsboro Ln, Ahlena Way, Perryville Rd, Campground Ln, Beechwood Dr, Bardstown Rd, Triple 5 Hwy, Claybrooke Ln | $195,000 | $180,000 | $175,000-$200,000 | $77,000 | $60,000 | $75,000-$100,000 |
| W Main St, State Hwy 1030, Mackville - Willisburg Rd, Manton Rd, Beechland Rd, Cedarwood Ln, Gregory Ln, Airport Ln, Plainview Ct, Logsdon Rd | $192,000 | $170,000 | $150,000-$175,000 | $95,500 | $80,000 | $75,000-$100,000 |
| Croake Station Rd, Cathys Ct, Edelen Ln, Hardesty Rd, Springfield Reservoir Rd, Commercial Ave, Bruners Rd, Short Line Rd, Long Run Rd, Carolyn Ct | $170,000 | $160,000 | $200,000-$250,000 | $78,500 | $70,000 | $50,000-$75,000 |
| Humes Rd, Cs-1016, Botland Rd, Rex Ct, Doe Run Ln, Nalley Way, Pottsville Rd, Bob-O-Link Dr, Lincoln Park Rd, Old Kentucky 53 | $138,500 | $120,000 | $100,000-$125,000 | $137,000 | $120,000 | $150,000-$175,000 |
| Saint Rose Lebanon Rd, Walnut St, Lebanon Rd, Fair Dr, Polin-Hardesty-Litsey Rd, Little Davis Ln, State Hwy 429, Fowler Rd, Claybrook Ave, Mackville Rd | $139,500 | $130,000 | $125,000-$150,000 | $140,500 | $130,000 | $125,000-$150,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$62 | $628 |
| Home and Two Car | -$110 | $579 |
| Home and Three Car | -$159 | $531 |
| 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 |
| Washington County | $700 | $671 | $1,371 | $487 | $1,187 | $183 |
| Springfield, KY | $2,500 | $681 | $3,181 | $495 | $2,995 | $186 |
| Perryville, KY | $100 | $944 | $1,044 | $686 | $786 | $258 |
| Buffalo, KY | $2,500 | $797 | $3,297 | $579 | $3,079 | $218 |
| Lebanon Junction, KY | $300 | $940 | $1,240 | $683 | $983 | $257 |
| Wilmore, KY | $2,000 | $848 | $2,848 | $616 | $2,616 | $232 |
| Liberty, KY | $200 | $637 | $837 | $463 | $663 | $174 |
| Lincolnshire, KY | $1,000 | $1,056 | $2,056 | $768 | $1,768 | $289 |
| Cecilia, KY | $200 | $993 | $1,193 | $722 | $922 | $271 |
| Goose Creek, KY | $1,500 | $1,200 | $2,700 | $872 | $2,372 | $328 |
| Broeck Pointe, KY | $200 | $1,284 | $1,484 | $933 | $1,133 | $351 |
| Druid Hills, KY | $2,000 | $1,484 | $3,484 | $1,078 | $3,078 | $406 |
| Home Insurance Company Springfield, KY | Homeowners Insurance Agency Springfield, KY | Address | Popularity Score | Distance from Springfield (miles) |
|---|---|---|---|---|
| State Farm | Charlie Haydon | 130 W Depot St, Springfield, KY, 40069-1159 | 3.0 | |
| Liberty Mutual Independent | Garrett-Stotz Company | 1601 Alliant Ave, Louisville, KY, 40299 | 39.5 | |
| Travelers | Francis & Company Inc | 3103 Breckenbridge Ln Suite 6, Louisville, KY, 40220 | 41.6 | |
| State Farm | Mayrene Mcpherson | 10214 Westport Rd, Louisville, KY, 40241-2148 | 44.5 | |
| Allstate | Loren Ashley | 4208 Bishop Ln, Louisville, KY, 40218 | 42.9 | |
| Allstate | Robert Hill | 3831 Ruckriegel Pkwy Ste 102, Louisville, KY, 40299 | 38.4 | |
| State Farm | Brian Morrison | 144 Chenoweth Ln, Louisville, KY, 40207-2660 | 45.0 | |
| State Farm | Kaye Nichols | 2300 Hurstbrne Vlg Dr Ste 1100, Louisville, KY, 40299-1839 | 44.6 | |
| Liberty Mutual Independent | Glenn E Martin Insurance | 10226 Shelbyville Rd, Louisville, KY, 40223 | 41.8 | |
| Travelers | Kevin D Bruce | 714 Lyndon Lane Ste 8, Louisville, KY, 40222 | 43.7 |
| 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 |
| Washington County, KY | $105,600 | $679 | $450 | $960 | $510 |
| Springfield, KY | $108,900 | $690 | $470 | $980 | $510 |
| Perryville, KY | $148,800 | $955 | $690 | $1,310 | $620 |
| Buffalo, KY | $105,300 | $807 | $580 | $1,110 | $530 |
| Lebanon Junction, KY | $147,300 | $951 | $680 | $1,300 | $620 |
| Wilmore, KY | $173,200 | $858 | $580 | $1,180 | $600 |
| Liberty, KY | $78,800 | $644 | $430 | $910 | $480 |
| Lincolnshire, KY | $192,200 | $1,069 | $780 | $1,480 | $700 |
| Cecilia, KY | $166,600 | $1,005 | $710 | $1,420 | $710 |
| Goose Creek, KY | $258,300 | $1,215 | $840 | $1,730 | $890 |
| Broeck Pointe, KY | $294,400 | $1,300 | $870 | $1,790 | $920 |
| Druid Hills, KY | $359,000 | $1,502 | $1,040 | $2,070 | $1,030 |