Cold Spring Insurance Rates:

Cold Spring, KY homeowners insurance is about $669 to $916, about $55-$76/month. Our extensive guide indicates shoppers can save as much as $316 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Cold Spring, KY Homeowners Insurance By Home Value

Cold Spring, KY Home Value Total Homes % of Total Average Cold Spring, KY Homeowners Insurance
Less than $50,000 65 3.0% $110
$70,000 to $79,999 47 2.0% $348
$90,000 to $99,999 74 3.0% $443
$100,000 to $124,999 263 12.0% $514
$125,000 to $149,999 390 18.0% $641
$150,000 to $174,999 272 13.0% $760
$175,000 to $199,999 200 9.0% $879
$200,000 to $249,999 306 14.0% $1053
$250,000 to $299,999 242 11.0% $1290
$300,000 to $399,999 191 9.0% $1639

Top Home Insurance Agents Near Cold Spring, KY

Home Insurance Company Near Cold Spring, KY Homeowners Insurance Agency Near Cold Spring, KY Address
NA Delete - Duplicate Location 706 Indiana Hill Rd Ste 1 , Terrace Park, OH, 45174
Travelers Aaa Allied Insurance Services Inc 15 W CENTRAL PKWY, CINCINNATI, OH, 45202
Allstate Jim Twiggs 2107 Miamisburg Centerville Rd, Dayton, OH, 45459
Allstate Marianne Geiger 3908 Miami Rd, Cincinnati, OH, 45227
Travelers Winters Financial Network Inc 5556 Cheviot Rd Ste B , Cincinnati, OH, 45247

Cost Of Homeowners Insurance By Street Near Cold Spring, KY

Streets in Cold Spring Area Homeowners Insurance Cost
High St, Summit Ln, Robinson Rd, Dorothy Dr, Ash St, Trapp Rd, Raintree Dr, Sheridan Dr, Aloysius Cir, Whirlaway Ln$785
Darlington Rd, Royal Ave, Village Pt, Coot Ct, Harmony Ln, Maple Rd, Four Mile Pike, Thornbush Ct, Malibu Dr, Valley Ter$791
Valleyside Dr, Jude Pt, Martha Ln, Winkler Dr, Blackburn Ave, Windsmere Way, Hope Ln, Davjo Dr, State Hwy 536, Osage Ave$784
Lickert Rd, Winters Ln, Windsor Dr, E Low Gap Rd, Skyview Ter, W 3rd St, Wigeon Dr, W State Hwy 10, State Hwy 2345, Flint Rdg$790
Cold Stream Rd, Boulder Vw, Moreland Rd, Paulena Dr, W 2nd St, Hidden Valley Dr, Rose Ave, Jerome Ct, Providence Trace Dr, Beacon Dr$787

Cold Spring, KY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Cold Spring$117 to $119
Crestview$115
Highland Heights$114
Newport-Fort Thomas$116

Cold Spring, 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
Crestview city, Kentucky $96 $128 $192
Highland Heights city, Kentucky $96 $127 $191
Newport-Fort Thomas CCD, Campbell County, Kentucky $97 $129 $194

Cold Spring, 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
Cold Spring, KY5.3%15.5%
Crestview4.97%16.78%
Highland Heights5.66%19.89%
Newport-Fort Thomas5.29%15.25%

Cold Spring Renters Insurance as a Percentage of Rent

Cold Spring Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 31 7.0% $1231
$500 to $749 30 7.0% $1906
$750 to $999 210 53.0% $2656
$1,000 to $1,499 118 30.0% $3781

Average Cost Of Home Insurance By Company In Areas Nearby Cold Spring For Different Scenarios

Home value ($) Construction type Age of home Company premium ($)
125,000 Frame 29 years American Modern Home Insurance Company 0
150,000 Brick Veneer 19 years Empire Fire And Marine Insurance Company 597
250,000 Masonry 9 years Pacific Indemnity Company 1,176
250,000 Masonry 9 years California Casualty General Insurance Company Of Oregon 1,045
125,000 Frame 29 years Erie Insurance Company 504
150,000 Brick Veneer 19 years Federal Insurance Company 1,023
250,000 Masonry 9 years Great Northern Insurance Company 1,069
150,000 Brick Veneer 19 years Travelers Indemnity Company Of America 603
250,000 Masonry 9 years Underwriters At Lloyd's London 1,079
125,000 Frame 29 years United Services Automobile Association 472

Cold Spring, KY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,400$2,400
Yearly Cold Spring Homeowner Insurance Premium Example $900$700
Out of Pocket Expense During Claim$1,400$2,400
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $8,600$8,000
Net Savings to Cold Spring Home Owner from High Deductible Plan $600

Cold Spring, KY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Cold Spring, KY Home Replacement Value MORE than Home Value Cold Spring, KY Home Replacement Value LESS than Home Value
Replacement Value $154,500 $111,000
Insurance Premium based on Replacement Value $925 $675
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $13,500 Risk Exposure from Under Insuring Coverage is $30,000
Premium Impact Insurance cheaper by $175/year Insurance costlier by $75/year

Example Cold Spring Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceAllstateAmica Mutual Insurance Company
Monthly Premium 339260
Year Built 199620081986
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 3 Baths
Coverage Amount $125000-$150000$250000-$300000$200000-$250000
Deductible $2500-$5000 Deductible$1000-$2500 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2002 335,000 Asphalt Shingles Roof 3,380 4 $5000 to $10,000 Deductible 280 4 Brick siding No
2010 190,000 Membrane Roof 2,240 3 $500- $1000 Deductible 250 4 Wood siding yes
2009 360,000 Membrane Roof 3,790 5 $5000 to $10,000 Deductible 150 2 Stone Siding yes
2014 120,000 Shingles Roof 1,410 3 $1000-$2500 Deductible 450 9 Stone Siding No
1981 330,000 Metal Roof 3,230 5 $1000-$2500 Deductible 210 2 Wood siding yes
2010 165,000 Slate Shingles Roof 1,690 4 $500 Deductible 420 5 Wood siding No
1984 270,000 Wood Shake Roof 2,370 4 $2500-$5000 Deductible 410 6 Fiber-Cement Siding yes
1981 260,000 Composition Roof 3,200 4 $5000 to $10,000 Deductible 240 4 Fiber-Cement Siding yes
1996 305,000 Metal Roof 3,060 4 > $10,000 Deductible 680 10 Vinyl siding No
2011 215,000 Tile Roof 1,860 3 $500- $1000 Deductible 100 1 Fiber-Cement Siding No
1995 195,000 Slate Shingles Roof 2,160 3 $5000 to $10,000 Deductible 400 10 Stone Siding yes
2010 420,000 Membrane Roof 3,510 5 > $10,000 Deductible 100 1 Vinyl siding yes
1985 170,000 Slate Shingles Roof 1,890 3 $500 Deductible 900 12 Wood siding yes
2012 145,000 Composition Roof 1,790 3 $1000-$2500 Deductible 100 3 Stone Siding yes
1997 290,000 Asphalt Shingles Roof 3,200 5 $500- $1000 Deductible 820 8 Wood siding No
2013 190,000 Shingles Roof 2,060 4 $1000-$2500 Deductible 80 1 Brick siding yes
1981 220,000 Composition Roof 2,760 4 $500 Deductible 530 5 Vinyl siding yes
1998 325,000 Shingles Roof 3,290 4 $1000-$2500 Deductible 240 2 Vinyl siding No
2011 205,000 Membrane Roof 1,700 3 $2500-$5000 Deductible 110 2 Brick siding No
2012 185,000 Asphalt Shingles Roof 2,250 3 $1000-$2500 Deductible 250 4 Stone Siding yes
2010 125,000 Asphalt Shingles Roof 1,600 3 $500 Deductible 350 7 Brick siding yes
2014 195,000 Asphalt Shingles Roof 1,940 3 $1000-$2500 Deductible 600 7 Stucco siding No
2004 250,000 Slate Shingles Roof 2,880 4 $2500-$5000 Deductible 80 1 Vinyl siding No
1988 455,000 Asphalt Shingles Roof 4,810 5 $500 Deductible 2380 12 Vinyl siding yes
2013 270,000 Slate Shingles Roof 2,460 4 $5000 to $10,000 Deductible 540 8 Stucco siding yes
1991 340,000 Composition Roof 3,310 5 $5000 to $10,000 Deductible 170 3 Wood siding yes
1982 410,000 Wood Shake Roof 4,770 5 $500- $1000 Deductible 1670 9 Stone Siding yes
2002 435,000 Asphalt Shingles Roof 3,800 5 $500 Deductible 210 1 Stucco siding No
2010 320,000 Composition Roof 2,820 4 $1000-$2500 Deductible 730 6 Stucco siding No
2010 165,000 Membrane Roof 1,770 3 $1000-$2500 Deductible 560 9 Fiber-Cement Siding No
2008 345,000 Shingles Roof 3,050 4 $500 Deductible 980 5 Stone Siding yes