Gavop shows you how to buy homeowners insurance in Calloway 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 | $51,000 | $50,000 | $25,000-$50,000 |
| 2 Bedroom | $74,500 | $70,000 | $75,000-$100,000 |
| 3 Bedroom | $186,500 | $180,000 | $150,000-$175,000 |
| 4 Bedroom | $192,000 | $170,000 | $150,000-$175,000 |
| 5 Bedroom | $305,000 | $250,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$139 | $731 |
| Superior Protection Discount | -$78 | $792 |
| Fire & Security Discount | -$61 | $809 |
| Hail Resistant Roof Discount | -$17 | $853 |
| Newly Constructed Home Discount | -$218 | $653 |
| 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 |
| Calloway County | $2,500 | $860 | $3,360 | $625 | $3,125 | $235 |
| Calloway County, KY | $2,000 | $860 | $2,860 | $625 | $2,625 | $235 |
| Hazel, KY | $400 | $653 | $1,053 | $475 | $875 | $178 |
| Kuttawa, KY | $2,000 | $1,077 | $3,077 | $783 | $2,783 | $294 |
| Ledbetter, KY | $100 | $741 | $841 | $539 | $639 | $203 |
| Clinton, KY | $1,000 | $640 | $1,640 | $465 | $1,465 | $175 |
| McCracken County, KY | $300 | $863 | $1,163 | $627 | $927 | $236 |
| Eva, TN | $1,500 | $908 | $2,408 | $660 | $2,160 | $248 |
| East Brooklyn, IL | $200 | $486 | $686 | $353 | $553 | $133 |
| New Johnsonville, TN | $1,500 | $842 | $2,342 | $612 | $2,112 | $230 |
| Wickliffe, KY | $200 | $759 | $959 | $551 | $751 | $207 |
| Kevil, KY | $700 | $762 | $1,462 | $554 | $1,254 | $208 |
| Home Insurance Company Calloway County, KY | Homeowners Insurance Agency Calloway County, KY | Address | Popularity Score | Distance from Calloway County (miles) |
|---|---|---|---|---|
| Allstate | Woodall Agency | 110 W Washington St, Princeton, KY, 42445 | 40.0 | |
| State Farm | Chad Cochran | 1712 State Route 121 N Ste A, Murray, KY, 42071-8864 | 3.9 | |
| Travelers | Morgan Trevathan & Gunn Inc | 106 E 12th St, Benton, KY, 42025 | 16.8 | |
| State Farm | Larry Krouse | 1100 Main St, Benton, KY, 42025-1450 | 16.9 | |
| Allstate | Lake Barkley Ins | 67 Main St, Cadiz, KY, 42211 | 29.5 | |
| State Farm | Tom Potter | 402 W Gum St, Marion, KY, 42064-1539 | 49.9 | |
| State Farm | Sam Miller | 211 Nolan Ave, Fulton, KY, 42041-8201 | 35.0 | |
| State Farm | Steve Crisp | 3247 Lafayette Rd, Hopkinsville, KY, 42240-5605 | 45.5 | |
| State Farm | Shannon Brotherton | 3560 Park Plaza Rd, Paducah, KY, 42001-5946 | 38.4 | |
| State Farm | Tot Waldon | 831 Jefferson St, Paducah, KY, 42001-6819 | 36.9 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $650 | $1,270 | $620 |
| Calloway County, KY | $130,100 | $870 | $580 | $1,240 | $660 |
| Calloway County, KY | $130,100 | $870 | $640 | $1,230 | $590 |
| Hazel, KY | $72,200 | $661 | $480 | $920 | $440 |
| Kuttawa, KY | $201,500 | $1,090 | $800 | $1,560 | $760 |
| Ledbetter, KY | $91,400 | $750 | $520 | $1,040 | $520 |
| Clinton, KY | $69,600 | $648 | $470 | $930 | $460 |
| McCracken County, KY | $134,100 | $874 | $600 | $1,200 | $600 |
| Eva, TN | $112,500 | $919 | $660 | $1,300 | $640 |
| East Brooklyn, IL | $59,800 | $492 | $350 | $690 | $340 |
| New Johnsonville, TN | $95,400 | $852 | $590 | $1,180 | $590 |
| Wickliffe, KY | $95,700 | $768 | $550 | $1,080 | $530 |
| Kevil, KY | $96,300 | $771 | $560 | $1,060 | $500 |