Nicholasville Insurance Rates:

Nicholasville, KY home insurance is approximately $660 to $896, about $55-$74/month. Our comprehensive guide shows customers can save upto $311 by getting multiple quotes

Compare Quotes from Top Providers and Save now!

Research about Nicholasville Home Insurance Rates, Quotes, Reviews, Agents, Coverage & other ways to save money in Kentucky. Compare quotes & save.

Nicholasville Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
American Family Insurance
Home Insurance Rate of $60/1 month for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $235,000

4 Beds, 4 Bath 2980 sqft Vacation Property Constructed In 1980 with Stone Flooring, Asphalt Shingles Roof, Slab Foundation, Wood siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Indoor Sprinklers, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

34 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $450/5 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $205,000

4 Beds, 4 Baths 2070 sqft Primary Residence Constructed In 1992 with Hardwood Flooring, Membrane Roof, Chainwall Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Fireplace, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

72 Years old Single Male who is a Freelancer with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $470/9 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $170,000

4 Beds, 4 Baths 1970 sqft Primary Residence Constructed In 2008 with Carpet Flooring, Composition Roof, Slab Foundation, Stucco siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

74 Years old Married Male who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $110/2 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $160,000

5 Beds, 5 Bath 2230 sqft Rental Property Constructed In 1990 with Carpet Flooring, Composition Roof, Chainwall Foundation, Vinyl siding, Stucco Construction. Home Features Include Copper Water Pipes, Swimming Pool, Smoke Alarm, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

54 Years old Divorced Male who has a Part Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $160/2 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $225,000

3 Beds, 3 Bath 2340 sqft Seasonal Residence Constructed In 1987 with Carpet over wood flooring, Composition Roof, Chainwall Foundation, Wood siding, Wood Frame. Home Features Include Fire Extinguisher, Deadbolt Locks, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

33 Years old Single Female who is a Freelancer with household income of $50-$75,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $60/1 month for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $210,000

5 Beds, 5 Baths 2980 sqft Vacation Property Constructed In 2008 with Stone Flooring, Composition Roof, Piers Foundation, Wood siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Swimming Pool, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

43 Years old Single Male who has a Full Time Job with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $190/6 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $135,000

3 Beds, 3 Baths 1530 sqft Seasonal Residence Constructed In 2014 with Carpet Flooring, Shingles Roof, Piers Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Smoke Alarm, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

55 Years old Single Female who has a Part Time Job with household income of $25-50,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $450/8 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $185,000

4 Beds, 4 Baths 2370 sqft Rental Property Constructed In 2012 with Hardwood Flooring, Slate Shingles Roof, Slab Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Copper Water Pipes, Fire Extinguisher, Swimming Pool, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

31 Years old Single Male who has a Full Time Job with household income of $75-$100,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $560/12 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $210,000

3 Beds, 3 Baths 2310 sqft Rental Property Constructed In 1982 with Wood Flooring, Wood Shake Roof, Slab Foundation, Brick siding, Wood Frame. Home Features Include Smoke Alarm, Indoor Sprinklers, Copper Water Pipes, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

50 Years old Divorced Male who is Unemployed and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $270/5 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $140,000

4 Beds, 4 Baths 1840 sqft Rental Property Constructed In 2013 with Stone Flooring, Wood Shake Roof, Crawl Space Foundation, Stone Siding, Brick Frame. Home Features Include Fireplace, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

51 Years old Married Male who is a Freelancer with household income of $100-$150,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Nicholasville, KY Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
40356 $159,700 $790

Nicholasville Rates & Quotes Analysis:

Nicholasville Area Estimated House Insurance
Dove Run, Nottaway Dr, Parker Pl, Terra Bianca, Madonna Dr, High Point Dr, Susan Trce, Faulconer Dr, Camp Daniel Boone Rd, Garden Park Dr$800
Ware Blvd, Griffin Dr, Kalla Dr, Collins Dr, Bristol Ave, Cloverdale Dr, Corman Dr, Asheville Dr, Bass Pond Glen Dr, Lake Country Rd$797
May Ct, Barberry Ln, Olivia Dr, Memorial Dr, Imperial Pointe, Tenhob Dr, McPeek Pl, E Maple St, Jefferson St, Maplenut Cir$771
Windsor Way, Marshall Branch Rd, Nave Pl, Cobb Ln, Portland Way, Perry Dr, Greenbriar Dr, Knight Dr, Gainesville Dr, Jennifer Dr$773
Hawthorne Dr, Sandee Dr, W Elm St, Chrisman Mill Rd, Jonabelle Ct, Grosser St, Hall Rd, Danville Loop 2 Rd, Natchez Trce, Little Tunnel Rd$830

Insurance rates are influenced by a number of factors including:

  • Year Built: 2,448 Homes (17% of total) built between 1970 to 1979 in Nicholasville are paying home insurance between $1,261-$1,273 compared to Jessamine County (+$14), Wilmore (+$21), Keene (+$273), Cottonburg-Valley View (-$25) and High Bridge (-$94).
  • Bedrooms: 3,472 2 bedrooms homes (24% of total homes ) in Nicholasville are paying about $646 and differs from Jessamine County (+$7), Wilmore (+$3), Keene (+$130), Cottonburg-Valley View (-$21) and High Bridge (-$34).
  • Auto Insurance Bundling: 2,068 Households (25% of all households) in Nicholasville have 3 or more vehicles available and when it is bundled with home insurance you can save $194 and differs from Jessamine County ($196), Cottonburg-Valley View ($190), Wilmore ($197).
  • Senior Discounts: 3,345 seniors (more than 55 years) occupied housing units (41% of total) in Nicholasville get discounts between $116 to $119. The comparative concessions in proximate regions such as Jessamine County, Cottonburg-Valley View and Wilmore are $117, $114 and $118 respectively.
  • New Homes discounts: New homes such as the 7,121 homes built between 2000 to 2009 in Nicholasville can save $155 and varies from Jessamine County ($157), Cottonburg-Valley View ($152), Wilmore ($158).

Nicholasville Homeowners insurance Facts

  • Nicholasville, KY has 8,046 owner occupied houses which is 62.0% of all units whereas Jessamine County, Cottonburg-Valley View and Wilmore have 65.58%, 65.77% and 63.95% respectively.
  • Nicholasville, KY homeowners yearly insurance price at $778 is 0.54% of the typical house value of $142,900 which is in contrast with 0.5% in Jessamine County, 0.66% at Cottonburg-Valley View & 0.48% in Wilmore.
  • Homeowners in Nicholasville, KY pay 1.35% of their income ($45,000 to $49,999) in insurance whereas homeowners in Jessamine County, Cottonburg-Valley View and Wilmore pay 1.37%, 1.33% and 1.38% respectively.
  • Nicholasville, KY’s insurance is 5.3% of monthly housing costs of $1,226/month, for owners with a mortgage compared to 4.96% in Jessamine County, 6.08% at Cottonburg-Valley View & 4.92% in Wilmore. But, for households without a mortgage, insurance is 17.3% of costs ($375 in Nicholasville, KY) in contrast with 17.01% in Jessamine County, 21.17% at Cottonburg-Valley View & 18.67% in Wilmore.

Nicholasville, KY Home Values & Insurance rates

For example, insurance for 647 Homes (8.0% of total homes ) valued between $175,000 to $199,999 in Nicholasville, KY is about $1,019. Rates in nearby areas in such as Jessamine County, Wilmore, Keene are cheaper by $84, $134, $622 respectively while Cottonburg-Valley View and Burgin are costlier by $223 and $7 respectively for similar homes.

Nicholasville, KY Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 466 6.0% $132
$80,000 to $89,999 356 4.0% $459
$90,000 to $99,999 568 7.0% $513
$100,000 to $124,999 1,305 16.0% $591
$125,000 to $149,999 1,592 20.0% $746
$150,000 to $174,999 1,014 13.0% $879
$175,000 to $199,999 647 8.0% $1019
$200,000 to $249,999 770 10.0% $1221
$250,000 to $299,999 343 4.0% $1493
$300,000 to $399,999 437 5.0% $1898

Renters Insurance in Nicholasville

  • Average Renters Insurance in Nicholasville :  $156($13/month)

  • Median Gross Rent in Nicholasville :  $730

  • Nicholasville Renters Insurance to Median Rent Ratio:  1.78%

  • Renter occupied housing units in Nicholasville :  4,941

Nicholasville Renters Insurance as a Percentage of Rent

Nicholasville Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 90 1.0% $339
$200 to $299 69 1.0% $789
$300 to $499 489 10.0% $1239
$500 to $749 1,777 38.0% $1914
$750 to $999 1,499 32.0% $2664
$1,000 to $1,499 601 13.0% $3789

Protective device discount in Nicholasville Up to :  $23

Claims-free discount in Nicholasville Up to :  $31