Bardstown Insurance Rates:

Bardstown, KY homeowners insurance is about $648 to $882, about $54-$73/month. Our extensive research reveals consumers can save upto $306 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate
Allstate has a good reputation which makes it comfortable to tell my clients, or other friends and family about them.
Safeco Insurance
I wish there was some sort of a discount program or way to lower your rates over time if you're not putting in a lot of claims or using your insurance, similar to what allstate offers for driving coverage.
Allstate
I like that there are many options for the coverage that best suits your needs. i like that the coverage is affordable.
Allstate
I have had no customer service experience with All State yet, but my agent is great and helpful whenever I need them.
Progressive
Overall, they have been nothing but good to me over the years. I've had this company years and years now, even before my mother passed and they have always treated us well
State Farm
The website is easy to navigate and see where my policy stands. I can look up claim information, manage my policy and read all the terms and conditions.
Safeco Insurance
I like how they will contact me if they come across a better deal/rate that would better suit my needs.

Bardstown, KY Homeowners Insurance By Home Value

Bardstown, KY Home Value Total Homes % of Total Average Bardstown, KY Homeowners Insurance
Less than $50,000 466 6.0% $153
$50,000 to $59,999 174 2.0% $328
$60,000 to $69,999 341 4.0% $413
$70,000 to $79,999 622 8.0% $474
$80,000 to $89,999 414 5.0% $535
$90,000 to $99,999 630 9.0% $604
$100,000 to $124,999 1,125 16.0% $696
$125,000 to $149,999 643 9.0% $872
$150,000 to $174,999 804 11.0% $1032
$175,000 to $199,999 310 4.0% $1193
$200,000 to $249,999 631 9.0% $1438
$250,000 to $299,999 421 6.0% $1751
$300,000 to $399,999 355 5.0% $2226

Top Home Insurance Agents Near Bardstown, KY

Home Insurance Company Near Bardstown, KY Homeowners Insurance Agency Near Bardstown, KY Address
NA Old National Insurance 333 E. Main St., Louisville, KY, 40202
NA Professionals' Insurance Agency, Inc. 2904 Eastpoint Parkway, Louisville, KY, 40223
Travelers Bill Mccoy Insurance Agency 1134 Us 127 S, Frankfort, KY, 40601
Allstate Dennis Edmondson 5008 Stephan Dr, Louisville, KY, 40258
Allstate Jones-Woolfolk Ins 1975 BRADENBURG RD, BRANDENBURG, KY, 40108

Cost Of Homeowners Insurance By Street Near Bardstown, KY

Streets in Bardstown Area Homeowners Insurance Cost
Hopkins Ct, Morgan Ct, Venus Ct, Indian Trl, Redmon St, Benelli Dr, Donna Ln, Chambers Blvd, Bethany Ct, Padget Way$757
Harriett Ave, Saint Thomas Ct, Magnolia Dr, W Stephen Foster Ave, Deep Springs Dr, Beechwood Ave, Copper Field Dr, Aiden Ct, Ashton Ct, Auberry Ct$766
Dugan Ln, Boston Rd, Loretto Rd, North Dr, Yorkshire Dr, Dublin Dr, Welch Ln, Pinehurst Dr, Farmington Dr, Shumate Ln$783
Republic Ct, State Hwy 1858, Wheeling Ave, Xavier Dr, Anthony Greenwell Ln, Fern Lea Cir, Ed Brent Rd, Banjo St, Rogers Ct, Manor Ave$765
W Flaget Ave, Watts Ct, E John Rowan Blvd, Kenton Dr, N Parkside Dr, W Muir Ave, Old US 150 Loop Number 6 Rd, Cr-1612, N Ann Dr, Armag Ave$759

Bardstown, KY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Bardstown$114 to $117
Nelson County$114
Coxs Creek$117
Fairfield$111

Bardstown, KY Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Nelson County, Kentucky $115 $153 $230
Coxs Creek CCD, Nelson County, Kentucky $117 $156 $234
Boston CCD, Nelson County, Kentucky $114 $152 $228

Bardstown, KY Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Bardstown, KY6.2%18.9%
Nelson County6.01%19.52%
Coxs Creek5.21%18.91%
Boston6.74%22.07%

Bardstown Renters Insurance as a Percentage of Rent

Bardstown Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 89 3.0% $346
$200 to $299 95 3.0% $796
$300 to $499 297 11.0% $1246
$500 to $749 1,338 49.0% $1921
$750 to $999 729 27.0% $2671
$1,000 to $1,499 105 3.0% $3796
$1,500 or more 31 1.0% $5446

Bardstown, KY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,900$2,900
Yearly Bardstown Homeowner Insurance Premium Example $600$400
Out of Pocket Expense During Claim$1,900$2,900
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $6,700$6,100
Net Savings to Bardstown Home Owner from High Deductible Plan $600

Bardstown, KY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Bardstown, KY Home Replacement Value MORE than Home Value Bardstown, KY Home Replacement Value LESS than Home Value
Replacement Value $192,000 $116,000
Insurance Premium based on Replacement Value $1,025 $625
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $33,000 Risk Exposure from Under Insuring Coverage is $43,000
Premium Impact Insurance cheaper by $225/year Insurance costlier by $175/year

Example Bardstown Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceTravelersAllstate
Monthly Premium 4551177
Year Built 200419832011
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 2 Baths
Coverage Amount $125000-$150000$175000-$200000$400000-$500000
Deductible $500 Deductible$2500-$5000 Deductible$1000-$2500 Deductible

Sample Home Insurance Rates for Bardstown, KY from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1983 225,000 Tile Roof 3,100 4 $500 Deductible 1100 10 Stone Siding No
2003 250,000 Tile Roof 3,210 4 $2500-$5000 Deductible 220 3 Vinyl siding No
1983 270,000 Composition Roof 2,880 5 $500 Deductible 1060 10 Fiber-Cement Siding yes
1984 140,000 Slate Shingles Roof 2,220 4 $1000-$2500 Deductible 350 6 Vinyl siding yes
1986 185,000 Slate Shingles Roof 2,010 3 $5000 to $10,000 Deductible 440 10 Brick siding No
1984 115,000 Asphalt Shingles Roof 1,780 3 $2500-$5000 Deductible 360 12 Stucco siding No
1997 255,000 Slate Shingles Roof 3,040 5 $5000 to $10,000 Deductible 400 6 Wood siding No
2011 130,000 Metal Roof 1,410 3 $1000-$2500 Deductible 180 3 Vinyl siding yes
1996 340,000 Wood Shake Roof 4,190 5 $5000 to $10,000 Deductible 80 1 Vinyl siding yes
1995 175,000 Metal Roof 2,060 5 $500 Deductible 450 5 Fiber-Cement Siding No
1999 350,000 Metal Roof 4,730 5 $5000 to $10,000 Deductible 230 2 Stucco siding No
2010 170,000 Metal Roof 2,460 4 $5000 to $10,000 Deductible 710 12 Brick siding No
1995 165,000 Slate Shingles Roof 1,730 3 $500- $1000 Deductible 410 8 Stucco siding yes
2008 280,000 Tile Roof 4,440 5 $5000 to $10,000 Deductible 950 10 Brick siding No
1992 155,000 Shingles Roof 1,930 3 $500 Deductible 260 6 Wood siding yes
1982 170,000 Composition Roof 1,910 5 $500- $1000 Deductible 320 6 Brick siding No
2005 290,000 Asphalt Shingles Roof 3,600 5 $2500-$5000 Deductible 970 12 Vinyl siding No
2003 275,000 Slate Shingles Roof 3,030 5 > $10,000 Deductible 420 7 Brick siding No
2003 110,000 Asphalt Shingles Roof 1,210 3 $2500-$5000 Deductible 130 4 Fiber-Cement Siding yes
1988 190,000 Tile Roof 2,320 4 $1000-$2500 Deductible 90 2 Stone Siding No
2007 380,000 Metal Roof 4,500 5 > $10,000 Deductible 1000 9 Wood siding No
2010 150,000 Asphalt Shingles Roof 1,770 5 $1000-$2500 Deductible 400 6 Fiber-Cement Siding No
1982 195,000 Asphalt Shingles Roof 2,390 3 $2500-$5000 Deductible 590 10 Stucco siding yes