Gavop's guide to buying homeowners insurance in Fayette County, 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.
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Newly Constructed Home | -$286 | $700 |
| 30 year old | +$15 | $1,001 |
| 40 year old | +$26 | $1,012 |
| 50 year old | +$37 | $1,023 |
| Above 50 year old | +$47 | $1,033 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$187 | $799 |
| Superior Protection Discount | -$89 | $897 |
| Fire & Security Discount | -$79 | $907 |
| Hail Resistant Roof Discount | -$30 | $956 |
| Newly Constructed Home Discount | -$217 | $769 |
| 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 |
| Fayette County | $700 | $974 | $1,674 | $708 | $1,408 | $266 |
| Fayette County, KY | $700 | $974 | $1,674 | $708 | $1,408 | $266 |
| Clark County, KY | $500 | $878 | $1,378 | $638 | $1,138 | $240 |
| High Bridge, KY | $2,000 | $838 | $2,838 | $609 | $2,609 | $229 |
| North Middletown, KY | $200 | $699 | $899 | $508 | $708 | $191 |
| Bryantsville, KY | $2,000 | $839 | $2,839 | $610 | $2,610 | $229 |
| Frankfort, KY | $200 | $880 | $1,080 | $640 | $840 | $241 |
| Garrard County, KY | $1,000 | $747 | $1,747 | $543 | $1,543 | $204 |
| Carlisle, KY | $300 | $665 | $965 | $483 | $783 | $182 |
| Elizaville, KY | $700 | $661 | $1,361 | $480 | $1,180 | $181 |
| Waynesburg, KY | $500 | $659 | $1,159 | $479 | $979 | $180 |
| Menifee County, KY | $1,000 | $632 | $1,632 | $459 | $1,459 | $173 |
| Home Insurance Company Fayette County, KY | Homeowners Insurance Agency Fayette County, KY | Address | Popularity Score | Distance from Fayette County (miles) |
|---|---|---|---|---|
| Allstate | Chuck Powers | 210 Old Mount Tabor Rd Ste C, Lexington, KY, 40502 | 3.0 | |
| Allstate | Paul Maupin | 1476 W Lexington Ave Ste A, Winchester, KY, 40391 | 13.8 | |
| State Farm | Clint Conrad | 201 Ruccio Way Ste 120, Lexington, KY, 40503-3584 | 5.1 | |
| State Farm | Rp Lopez | 2100 Lawrenceburg Rd, Frankfort, KY, 40601-7537 | 25.0 | |
| Erie | Jeff Hutchison Insurance Services | 121 Prosperous Place Suite 9b, Lexington, KY, 40509 | 2.8 | |
| Travelers | Professional Insurance Plans | 3197 Brighton Place Dr, Lexington, KY, 40509 | 3.0 | |
| Allstate | Asa Pham | 169 E Reynolds Rd Ste 104, Lexington, KY, 40517 | 4.8 | |
| Travelers | Turner Insurance Agency Inc | 2460 Rd , Shelbyville, KY, 40065 | 45.5 | |
| State Farm | Brad Lacefield | 211 N Main St, Versailles, KY, 40383-1266 | 14.9 | |
| State Farm | Rb Brown | 949 Louisville Rd Ste C, Frankfort, KY, 40601-3354 | 25.6 |
| 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 |
| Fayette County, KY | $175,000 | $986 | $660 | $1,370 | $710 |
| Fayette County, KY | $175,000 | $986 | $680 | $1,410 | $730 |
| Clark County, KY | $139,200 | $889 | $650 | $1,250 | $600 |
| High Bridge, KY | $116,100 | $848 | $580 | $1,170 | $590 |
| North Middletown, KY | $81,900 | $707 | $480 | $1,000 | $520 |
| Bryantsville, KY | $169,000 | $849 | $570 | $1,210 | $640 |
| Frankfort, KY | $139,900 | $891 | $610 | $1,260 | $650 |
| Garrard County, KY | $131,000 | $756 | $520 | $1,040 | $520 |
| Carlisle, KY | $85,500 | $673 | $460 | $960 | $500 |
| Elizaville, KY | $73,900 | $669 | $450 | $920 | $470 |
| Waynesburg, KY | $84,100 | $667 | $460 | $950 | $490 |
| Menifee County, KY | $77,800 | $640 | $460 | $880 | $420 |