Columbia Insurance Rates:

Columbia, KY homeowners insurance is roughly $629 to $869, about $52-$72/month. Our thorough research reveals consumers can save upto $299 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Columbia, KY Homeowners Insurance By Home Value

Columbia, KY Home Value Total Homes % of Total Average Columbia, KY Homeowners Insurance
Less than $50,000 417 20.0% $202
$50,000 to $59,999 134 6.0% $434
$60,000 to $69,999 126 6.0% $539
$70,000 to $79,999 235 11.0% $621
$80,000 to $89,999 158 7.0% $704
$90,000 to $99,999 59 2.0% $786
$100,000 to $124,999 239 11.0% $913
$125,000 to $149,999 159 7.0% $1145
$150,000 to $174,999 146 7.0% $1355
$175,000 to $199,999 104 5.0% $1565
$200,000 to $249,999 159 7.0% $1879
$250,000 to $299,999 88 4.0% $2299
$300,000 to $399,999 25 1.0% $2921

Top Home Insurance Agents Near Columbia, KY

Home Insurance Company Near Columbia, KY Homeowners Insurance Agency Near Columbia, KY Address
NA Cundiff & Company Insurance, Inc. 525 Ogden St, Somerset, KY, 42501
Travelers Gary Maxwell Insurance Agency Llc 420 EAST MAIN STREET, LIVINGSTON, TN, 38570
Allstate Jennifer Jewell 103 W Public Square, Glasgow, KY, 42141
State Farm Jennifer Wyman 1132 Main St Ste A, Munfordville, KY, 42765-9432
State Farm Jill Smith 107 Jamestown St, Columbia, KY, 42728-1353

Cost Of Homeowners Insurance By Street Near Columbia, KY

Streets in Columbia Area Homeowners Insurance Cost
Mullinex Dr, Joann Ln, Cs-1049, Corbin Rd, Louie Ray Rd, Waterworks St, Cr-1856, Cane Valley Rd, Gaston Ave, Baker St$754
Liberty Rd, Cr-1773, Half Acre Rd, Burkesville Rd, State Hwy 530, Carrie Bolin Dr, Walking Horse Ln, Blue Raider Dr, Addition One Dr, Cr-1233$741
Pickett Hill Rd, E Frazier Ave, Rocky Hill Rd, Pineview Dr, Alydar Ln, Cr-1845F, Curtis Ln, Page St, Bill Turner Rd, Dillon St$748
Jefferson Aly, Jones St, Country Club Rd, Thomas Dirve, Allen St, J C Johnson Rd, W Barbee St, Guffey Rd, L Willis Rd, Cr-1220$750
Pelham Branch Rd, Morrison Rd, Knox St, Cr-1762, Tom Andrew Rd, Campbellsville Rd, Stults St, Arbor Ln, S Bramblett St, Adair Ave$752

Columbia, KY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Columbia$111 to $113
Adair County$111
Glens Fork$110
Cane Valley$113

Columbia, 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
Adair County, Kentucky $111 $148 $222
Glens Fork CCD, Adair County, Kentucky $110 $147 $221
Cane Valley CCD, Adair County, Kentucky $113 $150 $225

Columbia, 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
Columbia, KY6.4%22.0%
Adair County7.07%23.28%
Glens Fork9.06%21.9%
Cane Valley5.97%19.33%

Columbia Renters Insurance as a Percentage of Rent

Columbia Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 99 8.0% $354
$200 to $299 332 30.0% $804
$300 to $499 257 23.0% $1254
$500 to $749 248 22.0% $1929
$750 to $999 130 11.0% $2679
$1,000 to $1,499 39 3.0% $3804

Columbia, KY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,900$3,900
Yearly Columbia Homeowner Insurance Premium Example $1,200$800
Out of Pocket Expense During Claim$1,900$3,900
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $10,300$9,500
Net Savings to Columbia Home Owner from High Deductible Plan $800

Columbia, KY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Columbia, KY Home Replacement Value MORE than Home Value Columbia, KY Home Replacement Value LESS than Home Value
Replacement Value $92,500 $66,500
Insurance Premium based on Replacement Value $400 $300
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $14,500 Risk Exposure from Under Insuring Coverage is $11,500
Premium Impact Insurance cheaper by $50/year Insurance costlier by $50/year

Example Columbia Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company TravelersChubb Group of InsuranceAllstate
Monthly Premium 7710027
Year Built 201119811960
Home Details 3 Beds, 1 Baths5 Beds, 2 Baths2 Beds, 1 Baths
Coverage Amount $175000-$200000$250000-$300000$50000-$75000
Deductible $500- $1000 Deductible$500 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2012 115,000 Metal Roof 2,050 4 $500 Deductible 100 2 Wood siding No
1960 130,000 Metal Roof 2,000 5 $500- $1000 Deductible 370 7 Brick siding No
1994 230,000 Slate Shingles Roof 3,020 5 $500 Deductible 860 10 Fiber-Cement Siding No
2006 340,000 Membrane Roof 4,490 5 $500 Deductible 330 2 Vinyl siding No
1971 70,000 Slate Shingles Roof 1,210 2 $2500-$5000 Deductible 100 5 Vinyl siding No
2008 150,000 Membrane Roof 2,200 3 $2500-$5000 Deductible 360 7 Brick siding yes
1983 65,000 Composition Roof 1,060 2 $500 Deductible 130 3 Wood siding No
1964 105,000 Metal Roof 1,760 3 $2500-$5000 Deductible 290 10 Wood siding yes
1987 150,000 Tile Roof 2,640 4 $500 Deductible 260 5 Wood siding No
1971 185,000 Metal Roof 2,960 4 $5000 to $10,000 Deductible 40 1 Stucco siding yes
1965 85,000 Membrane Roof 1,310 2 $500 Deductible 330 8 Stucco siding yes
1976 75,000 Tile Roof 1,380 3 $500 Deductible 300 8 Vinyl siding yes
2013 120,000 Slate Shingles Roof 2,120 4 $500 Deductible 220 5 Vinyl siding yes
1972 95,000 Slate Shingles Roof 1,450 2 $1000-$2500 Deductible 440 12 Wood siding No
1998 175,000 Tile Roof 3,140 4 $500 Deductible 60 1 Brick siding yes
2011 65,000 Metal Roof 1,200 2 $500- $1000 Deductible 130 5 Brick siding yes
1980 90,000 Shingles Roof 1,430 3 $500 Deductible 40 1 Brick siding No
1979 265,000 Composition Roof 3,600 5 $2500-$5000 Deductible 1200 12 Brick siding yes
2013 135,000 Composition Roof 1,750 2 $2500-$5000 Deductible 70 2 Stucco siding yes
2006 100,000 Tile Roof 1,760 2 $500- $1000 Deductible 340 9 Vinyl siding yes
1971 325,000 Tile Roof 4,360 5 $500- $1000 Deductible 570 4 Stucco siding yes
2001 145,000 Composition Roof 2,190 3 $1000-$2500 Deductible 100 2 Vinyl siding No
1977 120,000 Wood Shake Roof 1,620 2 $500 Deductible 220 4 Stucco siding No
2013 115,000 Wood Shake Roof 1,730 2 $1000-$2500 Deductible 40 1 Stucco siding No
2010 110,000 Shingles Roof 1,620 3 $1000-$2500 Deductible 360 10 Vinyl siding yes
1990 110,000 Slate Shingles Roof 1,950 5 $2500-$5000 Deductible 210 6 Brick siding No
1967 110,000 Shingles Roof 1,990 4 $2500-$5000 Deductible 380 10 Fiber-Cement Siding yes
2006 105,000 Tile Roof 1,550 5 $2500-$5000 Deductible 270 9 Vinyl siding yes
1987 100,000 Shingles Roof 1,420 2 $500- $1000 Deductible 330 9 Stucco siding yes
1964 70,000 Asphalt Shingles Roof 1,020 2 $500 Deductible 190 6 Fiber-Cement Siding yes
1963 115,000 Wood Shake Roof 2,200 3 $2500-$5000 Deductible 260 8 Stone Siding No
1961 75,000 Asphalt Shingles Roof 1,050 2 $500- $1000 Deductible 190 10 Stone Siding No
2010 105,000 Slate Shingles Roof 1,800 3 $2500-$5000 Deductible 290 12 Stone Siding yes
2008 125,000 Slate Shingles Roof 1,730 4 $1000-$2500 Deductible 440 10 Vinyl siding yes