Gavop shows you how to buy homeowners insurance in Shelby 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.
| Shelby County, KY - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 4 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Oakwood Dr, Adams Pike, Hotel St, Marshall Ct, Busey Rd, Fairview St, Ridge Top Ct, South Dr, Henry Veech Rd, Ditto Cemetery Rd | $201,000 | $170,000 | $200,000-$250,000 | $249,500 | $230,000 | $250,000-$300,000 |
| Boat Dock Rd, Lebanon Ridge Rd, Bonnie Brae Dr, White Rd, Seminole Dr, Old Ky 53 S, Hooper Station Rd N, Grand Central Dr, Scrabble Rd, Pearce Industrial Rd | $224,000 | $180,000 | $250,000-$300,000 | $274,500 | $250,000 | $250,000-$300,000 |
| Dale Rd, Fields Ln, Buzzard Roost Rd, Fairlight View Dr, Magnolia Ave, Peachtree Ln, Bell Ave, Hempridge-Beech Creek Rd, Church View St, Trammell Rd | $186,000 | $150,000 | $200,000-$250,000 | $213,000 | $190,000 | $175,000-$200,000 |
| Pebble Dr, Osprey Cove Dr, 9th St, Magruder Pike, Rolling Ridge Cir, Muirfield Ct, Poplar Hill Rd, Stapleton Rd, Bagdad Rd, Maurice Clark Rd | $145,000 | $120,000 | $125,000-$150,000 | $224,500 | $210,000 | $200,000-$250,000 |
| Goodman Ave, Fairview Ave, Clark Station Rd, Catalpa Ln, Anderson Ln, Crabapple Ln, Woodlawn Rd, Honeysuckle Rd, Old US Hwy 60, Ritchey Rd | $163,500 | $150,000 | $175,000-$200,000 | $410,500 | $380,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$147 | $831 |
| Superior Protection Discount | -$88 | $889 |
| Fire & Security Discount | -$68 | $909 |
| Hail Resistant Roof Discount | -$20 | $958 |
| Newly Constructed Home Discount | -$264 | $714 |
| 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 |
| Shelby County | $1,500 | $966 | $2,466 | $702 | $2,202 | $264 |
| Shelby County, KY | $2,500 | $966 | $3,466 | $702 | $3,202 | $264 |
| Simpsonville, KY | $200 | $916 | $1,116 | $666 | $866 | $250 |
| Floyds Fork, KY | $2,000 | $943 | $2,943 | $686 | $2,686 | $258 |
| Crestwood, KY | $400 | $1,210 | $1,610 | $880 | $1,280 | $331 |
| West Spencer, KY | $2,500 | $1,092 | $3,592 | $793 | $3,293 | $298 |
| Hurstbourne, KY | $400 | $1,541 | $1,941 | $1,120 | $1,520 | $421 |
| Langdon Place, KY | $1,000 | $1,119 | $2,119 | $813 | $1,813 | $306 |
| Owen County, KY | $200 | $649 | $849 | $472 | $672 | $177 |
| Lebanon Junction, KY | $2,500 | $940 | $3,440 | $683 | $3,183 | $257 |
| Greenville, IN | $200 | $822 | $1,022 | $598 | $798 | $225 |
| Little York, IN | $2,500 | $720 | $3,220 | $523 | $3,023 | $197 |
| Home Insurance Company Shelby County, KY | Homeowners Insurance Agency Shelby County, KY | Address | Popularity Score | Distance from Shelby County (miles) |
|---|---|---|---|---|
| State Farm | Tracy Haus | 11501 Main St, Louisville, KY, 40243-1315 | 17.1 | |
| Liberty Mutual Independent | Garrett-Stotz Company | 1601 Alliant Ave, Louisville, KY, 40299 | 16.9 | |
| State Farm | Jeff Kleier | 13303 Magisterial Dr, Louisville, KY, 40223-4212 | 15.3 | |
| Travelers | Harris Insurance Inc | 335 Frankfort Rd, Shelbyville, KY, 40065 | 2.4 | |
| State Farm | Josh Haines | 871 Taylorsville Rd, Shelbyville, KY, 40065-9124 | 3.3 | |
| Travelers | Turner Insurance Agency Inc | 2460 Rd , Shelbyville, KY, 40065 | 2.6 | |
| State Farm | David Franck | 8217 Shelbyville Rd, Louisville, KY, 40222-5421 | 20.3 | |
| Allstate | Justin Beasley | 11712 Main St, Louisville, KY, 40243 | 16.9 | |
| Travelers | Turner Insurance Agency Inc | 2460 Shelbyville Rd, Shelbyville, KY, 40065 | 2.6 | |
| State Farm | Jim O'Donoghue | 1727 Midland Trail, Shelbyville, KY, 40065-1711 | 2.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $640 | $1,230 | $590 |
| Shelby County, KY | $184,900 | $977 | $710 | $1,350 | $640 |
| Shelby County, KY | $184,900 | $977 | $700 | $1,380 | $680 |
| Simpsonville, KY | $295,800 | $927 | $620 | $1,330 | $710 |
| Floyds Fork, KY | $310,500 | $955 | $690 | $1,360 | $670 |
| Crestwood, KY | $262,800 | $1,225 | $850 | $1,750 | $900 |
| West Spencer, KY | $207,900 | $1,105 | $740 | $1,580 | $840 |
| Hurstbourne, KY | $373,600 | $1,560 | $1,080 | $2,170 | $1,090 |
| Langdon Place, KY | $221,000 | $1,133 | $800 | $1,600 | $800 |
| Owen County, KY | $99,100 | $657 | $450 | $930 | $480 |
| Lebanon Junction, KY | $147,300 | $951 | $680 | $1,310 | $630 |
| Greenville, IN | $191,100 | $832 | $570 | $1,170 | $600 |
| Little York, IN | $94,300 | $729 | $520 | $1,010 | $490 |