Gavop's guide to buying homeowners insurance in Flatwoods, 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.
| Flatwoods, 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 | |
| Warmpum Way, Halls Ct, Houston St, 2nd Ave, Elwood St, Cr-1132A, Buckenham Ln, Crimson Dr, Douglas Hollow Rd, Pierce Cemetery Agrillite Rd | $78,000 | $70,000 | $75,000-$100,000 | $58,500 | $50,000 | $50,000-$75,000 |
| Wildlife Trl, Racetrack Hill, Ridge St, Amherst Dr, Cr-1602, McCown St, Radford Dr, Thompson Rd, Horn Hollow Rd, Thoroughbred Ln | $212,000 | $180,000 | $200,000-$250,000 | $91,000 | $80,000 | $50,000-$75,000 |
| Coburn St, Watson Rd, Center Ave, W Happy Ridge Rd, Lambert Rd, Cherokee Rd, Hillcrest Dr, Taylor Ln, Diedrich Dr, Maple St | $143,000 | $130,000 | $125,000-$150,000 | $87,500 | $70,000 | $75,000-$100,000 |
| Fields Ave, Bellefonte Dr, Oak St, Droopy Ln, Tonawanda Ct, Robinson Rd, Senate Cir, Reid St, Oxcart Rd, Russell-Worthington Rd | $173,000 | $150,000 | $150,000-$175,000 | $119,000 | $110,000 | $100,000-$125,000 |
| Cs-7044, Midland Ave, Cr-1114F, Cr-1182, Stephens Rd, Washington St, Oakland Ct, Lexington Ave, Scotch St, Poplar St | $126,000 | $120,000 | $125,000-$150,000 | $91,500 | $90,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$117 | $574 |
| Superior Protection Discount | -$62 | $629 |
| Fire & Security Discount | -$48 | $643 |
| Hail Resistant Roof Discount | -$14 | $677 |
| Newly Constructed Home Discount | -$145 | $546 |
| 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 |
| Greenup County | $2,500 | $766 | $3,266 | $556 | $3,056 | $209 |
| Flatwoods, KY | $1,000 | $683 | $1,683 | $496 | $1,496 | $187 |
| Cannonsburg, KY | $400 | $721 | $1,121 | $524 | $924 | $197 |
| Sciotodale, OH | $1,000 | $642 | $1,642 | $467 | $1,467 | $176 |
| Lavalette, WV | $500 | $582 | $1,082 | $423 | $923 | $159 |
| Lucasville, OH | $700 | $608 | $1,308 | $442 | $1,142 | $166 |
| Vanceburg, KY | $200 | $638 | $838 | $464 | $664 | $174 |
| Gallipolis, OH | $700 | $644 | $1,344 | $468 | $1,168 | $176 |
| Adams, KY | $200 | $622 | $822 | $452 | $652 | $170 |
| Cooper, WV | $300 | $661 | $961 | $480 | $780 | $181 |
| Bancroft, WV | $1,500 | $684 | $2,184 | $497 | $1,997 | $187 |
| Home Insurance Company Flatwoods, KY | Homeowners Insurance Agency Flatwoods, KY | Address | Popularity Score | Distance from Flatwoods (miles) |
|---|---|---|---|---|
| State Farm | Paul Pelphrey | 219 Broadway St, Paintsville, KY, 41240-1255 | 49.3 | |
| State Farm | Steve Barker | 519 W Main St, Morehead, KY, 40351-1539 | 45.7 | |
| State Farm | Bob Wages | 1019 State Route 716, Ashland, KY, 41102-8257 | 6.2 | |
| Travelers | Trademark Insurance | 264 Old Flemingsburg Rd, Morehead, KY, 40351 | 45.8 | |
| Allstate | Wells & Middleton | 2019 Ashland Rd, Greenup, KY, 41144 | 5.9 | |
| Travelers | Wells & Middleton Insurance Inc | 2019 Ashland Rd, Greenup, KY, 41144 | 5.3 | |
| State Farm | Don Hillman | 209 E Perry St, Louisa, KY, 41230 | 28.8 | |
| Travelers | Wells & Middleton Insurance Inc | 2019 Ashland Road, Greenup, KY, 41144 | 5.9 | |
| State Farm | Scott Hester | 800 13th St, Ashland, KY, 41101-2638 | 5.3 | |
| State Farm | Ramona Salyer | 308 Horton St, Grayson, KY, 41143-1319 | 18.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $650 | $1,240 | $590 |
| Greenup County, KY | $103,300 | $775 | $570 | $1,100 | $530 |
| Flatwoods, KY | $89,900 | $691 | $490 | $970 | $480 |
| Cannonsburg, KY | $122,100 | $730 | $490 | $1,010 | $520 |
| Sciotodale, OH | $109,700 | $650 | $470 | $900 | $430 |
| Lavalette, WV | $74,200 | $589 | $410 | $840 | $430 |
| Lucasville, OH | $96,600 | $615 | $450 | $840 | $390 |
| Vanceburg, KY | $69,300 | $646 | $470 | $890 | $420 |
| Gallipolis, OH | $130,300 | $652 | $480 | $920 | $440 |
| Adams, KY | $66,200 | $630 | $450 | $900 | $450 |
| Cooper, WV | $95,700 | $669 | $460 | $940 | $480 |
| Bancroft, WV | $102,600 | $692 | $460 | $950 | $490 |