Gavop shows you how to buy homeowners insurance in Mercer 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.
| Mercer County, 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 | |
| Birch Ave, Lunsford Ln, Vanarsdell Rd, Jim Forsythe Ln, E Main St, Bum Lester Rd, Joe St, Hopewell Rd, N Lane St, Ballard Rd | $177,000 | $160,000 | $175,000-$200,000 | $136,500 | $130,000 | $125,000-$150,000 |
| Fairview Rd, Bleu Brook Dr, Russell Branch Rd, English Ave, Boyle Ave, Joseph Dr, Grapevine Rd, Palisades Rd, Land Ln, Royal Ct | $98,500 | $90,000 | $75,000-$100,000 | $66,500 | $60,000 | $50,000-$75,000 |
| Ross Ave, Beaumont Ave, la Colline, 2nd St, State Hwy 390, Hunter Dr, Motley Ln, Parkwood Ave, Lakeland Dr, Poteet St | $176,500 | $150,000 | $125,000-$150,000 | $123,000 | $110,000 | $100,000-$125,000 |
| Vanarsdall Dr, Huffman East Rd, State Hwy 1343, Adams Ln, Barr St, Industry Rd, S Chiles St, Water St, Meadowbrook Ln, Maple Hill Dr | $174,500 | $150,000 | $125,000-$150,000 | $90,500 | $80,000 | $75,000-$100,000 |
| Oakland Ln, Main St, Cheasepeak Dr, Ewing Ave, Old Danville Rd, Virginia Ave, Canaan Land Rd, Catalpa Way, Stratton Rd, Mackville Rd | $133,000 | $110,000 | $100,000-$125,000 | $87,000 | $70,000 | $75,000-$100,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$62 | $717 |
| Home and Two Car | -$133 | $647 |
| Home and Three Car | -$195 | $585 |
| 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 |
| Mercer County | $2,000 | $770 | $2,770 | $560 | $2,560 | $210 |
| Mercer County, KY | $1,500 | $770 | $2,270 | $560 | $2,060 | $210 |
| Lawrenceburg, KY | $200 | $766 | $966 | $557 | $757 | $209 |
| Chaplin, KY | $2,500 | $792 | $3,292 | $576 | $3,076 | $217 |
| Marion County, KY | $300 | $653 | $953 | $475 | $775 | $178 |
| Lexington-Fayette urban county, KY | $1,000 | $1,015 | $2,015 | $737 | $1,737 | $277 |
| Pleasureville, KY | $200 | $764 | $964 | $555 | $755 | $209 |
| Boston, KY | $1,500 | $969 | $2,469 | $704 | $2,204 | $265 |
| Monterey, KY | $400 | $696 | $1,096 | $505 | $905 | $190 |
| North Middletown, KY | $700 | $699 | $1,399 | $508 | $1,208 | $191 |
| Lyndon, KY | $500 | $851 | $1,351 | $619 | $1,119 | $233 |
| Meadowview Estates, KY | $2,500 | $996 | $3,496 | $724 | $3,224 | $272 |
| Home Insurance Company Mercer County, KY | Homeowners Insurance Agency Mercer County, KY | Address | Popularity Score | Distance from Mercer County (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Old Kentucky Insurance Inc | 3099 Breckenridge Ln Ste 105, Louisville, KY, 40220 | 49.4 | |
| Travelers | The Elite Agency Inc | 2408 Sir Barton Wy Ste 375, Lexington, KY, 40509 | 29.2 | |
| Travelers | Turner Insurance Agency Inc | 2460 Rd , Shelbyville, KY, 40065 | 34.8 | |
| Nationwide | Brandt Davis Insurance Agency | 4229 Bardstown Rd Ste 126, Louisville, KY, 40218 | 48.9 | |
| State Farm | Brad Lacefield | 211 N Main St, Versailles, KY, 40383-1266 | 18.6 | |
| State Farm | Brenda Harris | 114 Thompson St, Frankfort, KY, 40601-3206 | 27.1 | |
| State Farm | Stan Simmons | 1080 Bypass S Unit 1, Lawrenceburg, KY, 40342-9094 | 14.5 | |
| Allstate | Robin Wade | 10341 Linn Station Rd, Louisville, KY, 40223 | 47.0 | |
| Travelers | Bb&T Insurance Services | 2600 Eastpoint Pkwy, Louisville, KY, 40223 | 47.3 | |
| Nationwide | Donnie R Kays Insurance Inc. | 10602 Timberwood Cir. Ste 12, Louisville, KY, 40223-5367 | 47.8 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $640 | $1,270 | $630 |
| Mercer County, KY | $139,900 | $780 | $550 | $1,110 | $560 |
| Mercer County, KY | $139,900 | $780 | $540 | $1,070 | $530 |
| Lawrenceburg, KY | $138,300 | $775 | $530 | $1,060 | $530 |
| Chaplin, KY | $103,900 | $802 | $570 | $1,110 | $540 |
| Marion County, KY | $100,400 | $661 | $460 | $950 | $490 |
| Lexington-Fayette urban county, KY | $175,000 | $1,027 | $750 | $1,450 | $700 |
| Pleasureville, KY | $96,800 | $773 | $520 | $1,070 | $550 |
| Boston, KY | $157,800 | $981 | $710 | $1,380 | $670 |
| Monterey, KY | $81,300 | $704 | $480 | $1,000 | $520 |
| North Middletown, KY | $81,900 | $707 | $470 | $980 | $510 |
| Lyndon, KY | $174,800 | $862 | $610 | $1,200 | $590 |
| Meadowview Estates, KY | $167,900 | $1,008 | $740 | $1,380 | $640 |