Stanton Insurance Rates:

Stanton, KY home insurance is approximately $631 to $864, about $52-$72/month. Our in depth research indicates shoppers can save upto $299 by comparing different quotes

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Stanton Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Chubb Group of Insurance
Home Insurance Rate of $40/1 month for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $140,000

4 Beds, 4 Bath 1860 sqft Seasonal Residence Constructed In 2000 with Wood Flooring, Metal Roof, Chainwall Foundation, Vinyl siding, Stucco Construction. Home Features Include Fireplace, Swimming Pool, Indoor Sprinklers, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

59 Years old Divorced Female who has a Full Time Job with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $310/12 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $95,000

3 Beds, 3 Bath 1500 sqft Primary Residence Constructed In 1980 with Carpet over wood flooring, Composition Roof, Piers Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Deadbolt Locks, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

63 Years old Married Female who has a Full Time Job with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $270/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $205,000

4 Beds, 4 Baths 3050 sqft Seasonal Residence Constructed In 1970 with Carpet over wood flooring, Metal Roof, Slab Foundation, Brick siding, Metal Frame Construction. Home Features Include Swimming Pool, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

48 Years old Single Male who is a Freelancer with household income of more than $150,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $90/3 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $155,000

4 Beds, 4 Baths 2600 sqft Seasonal Residence Constructed In 1982 with Ceramic Tile Flooring, Slate Shingles Roof, Chainwall Foundation, Stone Siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Smoke Alarm, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

71 Years old Married Male who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $430/10 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $150,000

4 Beds, 4 Baths 2300 sqft Vacation Property Constructed In 2013 with Carpet Flooring, Composition Roof, Crawl Space Foundation, Vinyl siding, Stucco Construction. Home Features Include Indoor Sprinklers, Fire Extinguisher, Smoke Alarm, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

46 Years old Married Female who has a Full Time Job with household income of $50-$75,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $50/1 month for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $100,000

3 Beds, 3 Baths 1350 sqft Rental Property Constructed In 1999 with Carpet over wood flooring, Slate Shingles Roof, Slab Foundation, Wood siding, Wood Frame. Home Features Include Copper Water Pipes, Central Air Conditioning, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

29 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $220/3 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $180,000

4 Beds, 4 Bath 2430 sqft Seasonal Residence Constructed In 2012 with Carpet over wood flooring, Wood Shake Roof, Piers Foundation, Stucco siding, Stucco Construction. Home Features Include Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

57 Years old Divorced Male who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

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

  • 750-799 Credit Score

Home Insurance Rate of $260/5 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $115,000

3 Beds, 3 Bath 2140 sqft Seasonal Residence Constructed In 2006 with Stone Flooring, Wood Shake Roof, Piers Foundation, Wood siding, Wood Frame. Home Features Include Fireplace, Smoke Alarm, Central Air Conditioning, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

44 Years old Divorced Female who has a Full Time Job with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Stanton Rates & Quotes Analysis:

Stanton Area Estimated House Insurance
E Elkins St, Windy Cove Ln, Jolie Cir, Riverview Dr, Debbie Ln, Miller Dr, State Hwy 613, Strange St, Eli Ln, Watkins Cemetery Rd$746
Shelby Lowe Hollow Rd, Molly B St, Timberline Rd, State Hwy 11, Cr-1029, Plum St, Willowbend Way, Mill Knob Rd, Airport Rd, Maple St$744
Hale St, State Hwy 1057, Breckinridge St, Caudill Rd, Cs-1048-80, Cr-1018, Pamela Dr, Ashley Lease Rd, State Hwy 2483, Shady Acre Ln$750
Taulbee Rd, Crabtree Ln, Hill Crest Dr, Cox St, L&e Railroad Pl, Walnut Ln, State Hwy 15, State Hwy 77, Sycamore Rd, E Church St$752
W Church St, Cr-1009, Watson Ridge Rd, Laurel Ln, Lisa Ln, State Hwy 1695, Halls Branch Rd, Cane Creek Rd, Lakeview Dr, Blackburn St$742

Insurance rates are influenced by a number of factors including:

  • Year Built: 656 Homes (23% of total homes ) built between 1990 to 1999 in Stanton are paying home insurance between $1,079-$1,090. Places close to Stanton, KY such as Montgomery County, Southeast Clark, Mount Sterling are more expensive by $13, $26, $30 respectively while Clay City and Ravenna are cheaper by $13 and $30 respectively for similar homes.
  • Bedrooms: 834 2 bedrooms homes (30% of total homes ) in Stanton are paying about $621. Areas near to Stanton such as Southeast Clark, Mount Sterling, Waco-Bybee are costlier by $15, $10, $8 respectively whereas Powell County and West Menifee are more economical by $4, $5 respectively for similar homes.
  • Auto Insurance Bundling: 437 Households (29% of all households) in Stanton have 3 or more vehicles available and when it is bundled with home insurance you can save $187 and differs from Powell County ($185), West Menifee ($185), Clay City ($184).
  • Senior Discounts: 829 seniors (more than 55 years) occupied housing units (56% of total) in Stanton get discounts between $111 to $114. The comparative concessions in proximate regions such as Powell County, Clay City and Ravenna are $111, $110 and $109 respectively.
  • New Homes discounts: New homes such as the 1,342 homes built between 2000 to 2009 in Stanton can save $149 and varies from Powell County ($148), West Menifee ($148), Clay City ($147).

Stanton Homeowners insurance Facts

  • Stanton, KY has 1,466 owner occupied houses which is 68.9% of all units whereas Powell County, West Menifee and Clay City have 66.03%, 76.92% and 63.67% respectively.
  • Stanton, KY homeowners yearly insurance price at $748 is 0.84% of the typical house value of $88,700 which is in contrast with 0.94% in Powell County, 0.95% at West Menifee & 1.04% in Clay City.
  • Homeowners in Stanton, KY pay 1.0% of their income ($75,000 or more) in insurance whereas homeowners in Powell County, West Menifee and Clay City pay 0.99%, 0.99% and 0.99% respectively.
  • Stanton, KY’s insurance is 7.3% of monthly housing costs of $853/month, for owners with a mortgage compared to 6.6% in Powell County, 7.02% at West Menifee & 5.85% in Clay City. But, for households without a mortgage, insurance is 18.3% of costs ($340 in Stanton, KY) in contrast with 19.35% in Powell County, 28.11% at West Menifee & 19.99% in Clay City.

Stanton, KY Home Values & Insurance rates

For example, insurance for 64 Homes (4.0% of total homes ) valued between $50,000 to $59,999 in Stanton, KY is about $441. Rates in nearby areas in such as Montgomery County, Mount Sterling, Waco-Bybee are cheaper by $63, $126, $119 respectively while Powell County and West Menifee are costlier by $49 and $56 respectively for similar homes.

Stanton, KY Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 403 27.0% $209
$50,000 to $59,999 64 4.0% $441
$60,000 to $69,999 87 5.0% $546
$70,000 to $79,999 75 5.0% $628
$80,000 to $89,999 119 8.0% $710
$90,000 to $99,999 94 6.0% $800
$100,000 to $124,999 285 19.0% $927
$125,000 to $149,999 111 7.0% $1159
$150,000 to $174,999 120 8.0% $1368
$175,000 to $199,999 68 4.0% $1578

Renters Insurance in Stanton

  • Average Renters Insurance in Stanton :  $219($18/month)

  • Median Gross Rent in Stanton :  $440

  • Stanton Renters Insurance to Median Rent Ratio:  4.09%

  • Average household size of renter-occupied unit :  2.44

Stanton Renters Insurance as a Percentage of Rent

Stanton Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 19 3.0% $354
$200 to $299 153 25.0% $804
$300 to $499 148 24.0% $1254
$500 to $749 158 26.0% $1929
$750 to $999 128 21.0% $2679

Rent Affordability in Stanton:

Approximately 57.0% (379) of households are spending more than 35% of their income on gross rent in Stanton

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 74 11.0%
15.0 to 19.9 percent 41 6.0%
20.0 to 24.9 percent 29 4.0%
25.0 to 29.9 percent 68 10.0%
30.0 to 34.9 percent 72 10.0%
35.0 percent or more 379 57.0%

Protective device discount in Stanton Up to :  $32

Claims-free discount in Stanton Up to :  $43