Gavop shows you how to buy homeowners insurance in Cumberland, KY by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Cumberland, 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 | |
| Russell Dr, 2nd St, Childers Rd, Creech St, Bethel Rd, Spruce St, Jackson St, Clifton St, McKnight Rd, Helton St | $90,000 | $80,000 | $75,000-$100,000 | $41,500 | $40,000 | $25,000-$50,000 |
| Cornett St, Locust St, Maple St, Sander St, Main St, Clark St, Shepherd Sergent Rd, Cr-1020B7, McKnight St, Central Ave | $60,000 | $50,000 | $50,000-$75,000 | $75,000 | $60,000 | $50,000-$75,000 |
| State Hwy 160, Lynch St, Beale St, Sand Hill Rd, Parker St, Jackson Bottom, Brown St, Oroark St, Shepherd St, Gap Branch Rd | $49,000 | $40,000 | $25,000-$50,000 | $50,500 | $40,000 | $25,000-$50,000 |
| Liberty St, Hiram Hill Rd, Martin Ave, Oak St, Trailer Park Rd, Cs-3026, Red Skin Dr, B Bickerstaff Rd, Black St, Sawmill Hollow Rd | $108,500 | $100,000 | $100,000-$125,000 | $51,500 | $50,000 | $50,000-$75,000 |
| 5th Ave, Cr-1022, Bickerstaff Blvd, Swimland Rd, 3rd St, Cr-1020W, Morris St, Highland Ter, Cr-1084, Beech St | $59,500 | $50,000 | $25,000-$50,000 | $48,000 | $40,000 | $50,000-$75,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$69 | $789 |
| Home and Two Car | -$137 | $721 |
| Home and Three Car | -$215 | $644 |
| 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 |
| Harlan County | $2,000 | $855 | $2,855 | $621 | $2,621 | $234 |
| Cumberland, KY | $1,500 | $848 | $2,348 | $616 | $2,116 | $232 |
| Poor Fork, KY | $300 | $626 | $926 | $455 | $755 | $171 |
| Whitesburg, KY | $1,500 | $870 | $2,370 | $632 | $2,132 | $238 |
| Clintwood, VA | $400 | $431 | $831 | $313 | $713 | $118 |
| Church Hill, TN | $1,000 | $815 | $1,815 | $592 | $1,592 | $223 |
| Tejay, KY | $300 | $499 | $799 | $363 | $663 | $136 |
| Prater, VA | $1,500 | $426 | $1,926 | $309 | $1,809 | $116 |
| Russell County, VA | $400 | $909 | $1,309 | $660 | $1,060 | $248 |
| Jackson, KY | $700 | $561 | $1,261 | $408 | $1,108 | $153 |
| Fedscreek, KY | $200 | $587 | $787 | $426 | $626 | $160 |
| Home Insurance Company Cumberland, KY | Homeowners Insurance Agency Cumberland, KY | Address | Popularity Score | Distance from Cumberland (miles) |
|---|---|---|---|---|
| State Farm | Justin Mays | 1509 Us Highway 25 E, Middlesboro, KY, 40965-1862 | 47.1 | |
| State Farm | Chad Shannon | 473 N 12th St, Middlesboro, KY, 40965-1133 | 47.5 | |
| State Farm | Jennifer Reynolds | 145 Wedngtn Br Rd, Pikeville, KY, 41501-3204 | 45.2 | |
| Allstate | Melissa Crowdus | 3767 N Mayo Trl Ste 5, Pikeville, KY, 41501 | 44.8 | |
| Allstate | Justice & Stamper | 5445 N Mayo Trl, Pikeville, KY, 41501 | 45.6 | |
| State Farm | Laura Feltner | 117 Corporate Dr Ste 103, Hazard, KY, 41701-8267 | 27.9 | |
| State Farm | Gary Lowe | 3780 N Mayo Trl Ste 101, Pikeville, KY, 41501-9092 | 44.8 | |
| Nationwide | Athea Jean Blackburn Agency | 147 Hibbard St, Pikeville, KY, 41501 | 43.2 | |
| Travelers | Frazier Insurance Agency | 409 W Main St, Cumberland, KY, 40823 | 2.8 | |
| Travelers | Harris Ins Agcy Inc | 118 Eversole Street, Harlan, KY, 40831 | 21.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $650 | $1,260 | $610 |
| Harlan County, KY | $53,500 | $866 | $610 | $1,190 | $580 |
| Cumberland, KY | $47,700 | $858 | $590 | $1,220 | $630 |
| Poor Fork, KY | $66,900 | $634 | $450 | $890 | $440 |
| Whitesburg, KY | $60,100 | $881 | $590 | $1,260 | $670 |
| Clintwood, VA | $78,300 | $436 | $310 | $600 | $290 |
| Church Hill, TN | $130,900 | $825 | $590 | $1,180 | $590 |
| Tejay, KY | $43,800 | $505 | $370 | $700 | $330 |
| Prater, VA | $77,400 | $431 | $310 | $620 | $310 |
| Russell County, VA | $94,900 | $920 | $660 | $1,260 | $600 |
| Jackson, KY | $54,600 | $568 | $390 | $780 | $390 |
| Fedscreek, KY | $59,300 | $594 | $430 | $830 | $400 |