Gavop's guide to buying homeowners insurance in Lee 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 | -$180 | $440 |
| 30 year old | +$9 | $629 |
| 40 year old | +$16 | $636 |
| 50 year old | +$24 | $644 |
| Above 50 year old | +$30 | $650 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$87 | $533 |
| Superior Protection Discount | -$56 | $564 |
| Fire & Security Discount | -$62 | $558 |
| Hail Resistant Roof Discount | -$19 | $601 |
| Newly Constructed Home Discount | -$136 | $484 |
| 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 |
| Lee County | $700 | $613 | $1,313 | $445 | $1,145 | $167 |
| Lee County, KY | $1,000 | $613 | $1,613 | $445 | $1,445 | $167 |
| St. Helens, KY | $400 | $535 | $935 | $389 | $789 | $146 |
| Cannel City, KY | $700 | $614 | $1,314 | $446 | $1,146 | $168 |
| West Magoffin, KY | $400 | $561 | $961 | $408 | $808 | $153 |
| Greenmount-Langnau, KY | $700 | $707 | $1,407 | $514 | $1,214 | $193 |
| Clark County, KY | $500 | $878 | $1,378 | $638 | $1,138 | $240 |
| Winchester, KY | $1,500 | $757 | $2,257 | $550 | $2,050 | $207 |
| Bush, KY | $300 | $898 | $1,198 | $653 | $953 | $245 |
| Morehead, KY | $2,500 | $659 | $3,159 | $479 | $2,979 | $180 |
| Gray, KY | $1,000 | $589 | $1,589 | $428 | $1,428 | $161 |
| Home Insurance Company Lee County, KY | Homeowners Insurance Agency Lee County, KY | Address | Popularity Score | Distance from Lee County (miles) |
|---|---|---|---|---|
| State Farm | Phil Mcdonald | 1407 W 5th St, London, KY, 40741-1616 | 39.9 | |
| Travelers | The Elite Agency Inc | 2408 Sir Barton Wy Ste 375, Lexington, KY, 40509 | 48.1 | |
| Travelers | Strong Agency Llc | 80 Codell Dr Ste 120, Lexington, KY, 40509 | 48.7 | |
| Erie | Jeff Hutchison Insurance Services | 121 Prosperous Place Suite 9b, Lexington, KY, 40509 | 48.0 | |
| State Farm | John Parkhurst | 1795 Alysheba Way Ste 2104, Lexington, KY, 40509-2286 | 47.7 | |
| Travelers | Professional Insurance Plans | 3197 Brighton Place Dr, Lexington, KY, 40509 | 47.3 | |
| Liberty Mutual Independent | Linville Insurance Agency | 302 Richmond Rd, Berea, KY, 40403 | 31.1 | |
| State Farm | Dawn Stice | 121 Prosperous Pl Ste 11a, Lexington, KY, 40509-1834 | 48.0 | |
| State Farm | Bethany Hicks | 1050 Chinoe Rd Ste 100, Lexington, KY, 40502-6571 | 49.6 | |
| State Farm | Mike Brownell | 503 Darby Creek Rd Ste 15, Lexington, KY, 40509-1603 | 47.7 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kentucky | $130,000 | $896 | $620 | $1,280 | $660 |
| Lee County, KY | $64,200 | $620 | $430 | $860 | $430 |
| Lee County, KY | $64,200 | $620 | $450 | $860 | $410 |
| St. Helens, KY | $50,000 | $542 | $380 | $770 | $390 |
| Cannel City, KY | $64,500 | $621 | $450 | $860 | $410 |
| West Magoffin, KY | $54,600 | $568 | $390 | $790 | $400 |
| Greenmount-Langnau, KY | $83,900 | $716 | $480 | $1,020 | $540 |
| Clark County, KY | $139,200 | $889 | $610 | $1,270 | $660 |
| Winchester, KY | $134,700 | $766 | $510 | $1,050 | $540 |
| Bush, KY | $133,900 | $909 | $630 | $1,260 | $630 |
| Morehead, KY | $102,000 | $667 | $480 | $920 | $440 |
| Gray, KY | $59,700 | $596 | $410 | $840 | $430 |