Covington Insurance Rates:

Covington, KY homeowners insurance is nearly $660 to $895, about $55-$74/month. Our extensive research reveals consumers can save upto $311 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

I would recommend this policy because of the customer service that comes with it as well as the trustworthy service accompanied by it.
Grange Insurance
The fact that grange has an auto withdrawal option with a discount for doing so is a nice option and the fact that they will do it monthly if requested is great as well
Allstate home insurance is an excellent choice for most first-time home buyers and homeowners looking for specialized coverage. With Allstate's vast array of resources, discounts.
State Farm
They basically offer the same things as other companies but they seem to do it better and cheaper and for me that is a very important point. Why pay a ton for the same thing if you can get better cheaper.
Liberty Mutual
I like that they are friendly and willing to help me satisfy my insurance needs. They are there when I call to answer any questions.
Erie Insurance
I would give them a five, but there is one employee that can be rather rude. There is one lady that works there that is just as sweet and helpful as can be. She is the reason we have stayed with them for all these years.
I love this company because you can do everything online without ever speaking to or dealing with another person. If you do need help, there is a wide variety of ways to get ahold of the company via online chat, email, phone, etc.
Alfa Insurance
What i don’t like about alfa is that their premiums are some of the highest in our area.
State Farm
The mobile app is very easy to use and understand. It provides access to everything that I could possibly need assistance with. The website, unfortunately, is a bit harder to use. Prior to the mobile app, I called our agent for assistance because the website was so difficult to navigate. The mobile app allows you to process claims, make payments, check the status of claims, and check your policy information.
Grange Insurance
After comparing multiple companies, grange was the best rate for us. then we got an even better offer to combine home and auto.
State Farm
I really like that state farm, it values me as a customer and I'm not just a number to them. They are all so friendly and caring to their customers/
Kentucky Farm Bureau
I have never had any issues with my insurance company and my agent has been the same since I began coverage
My premium is average, and it covers a good amount. Compared to other companies it covers the same and it is about the same price as well.
Farmer's Insurance
I have been with them for 15 years and have not really had any issues with service. The prices are about average and I have a good relationship with the local rep.
Kentucky Farm Bureau
I like the website and the way it is set up it's easy to use and move around and read a
State Farm
I am satisfied with my experience with Safeco. I have a good agent who is responsive to my needs. The company has always treated me fairly and respectfully. Their premiums are fair for first-rate insurance coverage.
State Farm
They are the cheapest insurance company around. Insurance is a commodity where all plans are mostly the same. Why not go for the cheapest?
Kentucky Farm Bureau
I haven't had to use my company for any claims yet, overall my experience has been positive with just a few hiccups in communication.
Alfa Insurance
There's not anything that I really dislike about the company. I haven't ever had any major issues come up and they have always handled everything in a timely manner.
Farmer's Insurance
I have not had to use their services yet but their coverage and premium prices all seem acceptable and fair.
Sometimes I have to go there and the reception was a little offensive.. but I'm good with that. the rest is nice for me
American Strategic Insurance
I would recommend this home insurer because until now I had a good customer service and is always up to date with the agreed upon
I've been very happy with Progressive so far. Great rates, great coverage, and top-notch customer service. I plan to stay with them for awhile.
State Farm
I would definitely recommend State Farm for your home insurance needs. They have been in the business for several years and will knock your socks off with their customer service.
Farmer's Insurance
The convenience of contacting the company. Discount for paying for the year. Able to pay online.
State Farm
I like that it is easy to pay the bill online and no fees are attached to it. I like the ease of the whole thing
Kentucky Farm Bureau
The rates seem to continue to go up. Will be seeking out other comparable rates in Sept to see if can get better rate &coverage.
Kentucky Farm Bureau
The rates seem to continue to go up. Will be seeking out other comparable rates in Sept to see if can get better rate &coverage.
They are too high. Their claims department staff is rude and very slow to helping file a claim on accidents
When speaking with other insurance companies, many of the rates were final and could not be customized to what suits me, my family and my home.

Covington, KY Homeowners Insurance By Home Value

Covington, KY Home Value Total Homes % of Total Average Covington, KY Homeowners Insurance
Less than $50,000 1,412 5.0% $132
$50,000 to $59,999 556 2.0% $287
$60,000 to $69,999 819 3.0% $350
$70,000 to $79,999 1,154 4.0% $412
$80,000 to $89,999 1,921 7.0% $466
$90,000 to $99,999 1,562 5.0% $521
$100,000 to $124,999 4,482 16.0% $599
$125,000 to $149,999 3,548 13.0% $754
$150,000 to $174,999 2,861 10.0% $886
$175,000 to $199,999 2,414 9.0% $1026
$200,000 to $249,999 2,986 11.0% $1237
$250,000 to $299,999 1,292 4.0% $1509
$300,000 to $399,999 1,733 6.0% $1921

Top Home Insurance Agents Near Covington, KY

Home Insurance Company Near Covington, KY Homeowners Insurance Agency Near Covington, KY Address
NA Dobrozsi Insurance Agency Inc 1820 1St Ave, Middletown, OH, 45044
Erie A M Peck & Company Inc. 414 Walnut Street Suite 1000, Cincinnati, OH, 45202
Erie Baughn Insurance Group Inc. 394 Congress Park Dr , Dayton, OH, 45459
Travelers Brands Ins Agcy Inc 6449 ALLEN RD 2ND FLOOR, WEST CHESTER, OH, 45069
State Farm Jay Lasky 201 W Franklin St Ste A, Centerville, OH, 45459-4700

Covington, KY Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Covington, KY

Streets in Covington Area Homeowners Insurance Cost
W 13th St, Old Taylor Mill Rd, New Orleans Ct, Pebble Creek Dr, Augusta Ave, Bartlett Ave, Bedinger St, Philadelphia St, E 31st St, Graves Ave$758
Auburn St, Robin Ln, Vanderen Dr, Yatz Dr, W Freeman St, Short Mason Rd, Post Pl, Dakota Ave, Ludford St, Benton Rd$785
Kathleen Dr, Karlenia Ct, Brookwood Dr, E 42nd St, Morris Pl, Banklick Ave, McAlpin Ave, Lakewood Dr, Tyler Ct, Clareglen Dr$826
Virginia Ave, Holmesdale Ct, Hidden Pine Way, Liberty St, E Robbins St, Parkcrest Ln, Lorraine Ct, Collins Rd, Apple Tree Ln, Radio Rd$845
Center Ct, Holdsbranch Rd, Genevieve St, Egger Ln, Wallace Ave, Bayview Dr, Hickory Ln, Dartmouth Dr, White Ct, Bursall Ave$786
E 46th St, W 14th St, Heatherstone Ct, Hewson St, Ohio St, W John St, Chesapeake St, Elizabeth St, Sparrow Aly, Lake Ct$789
Johnson St, Livingstone St, Rosary Ct, Lynn St, E 36th St, Bracken Ct, Dale Hollow Dr, Basswood Cir, Alexandria Ave, Greenbriar Ave$808
Kollman Rd, Old Madison Pike, Doris Way Dr, McKee Ave, Angela Ct, Werner Dr, W 20th St, Kyles Ln, Short St, Prospect Ave$826
W 14th St, Church St, Squire Hill Dr, Squire Hill Ct, Harvard Dr, N Parkway Dr, S Arlington Rd, Donaldson Hwy, Emery Dr, E 7th St$833
Dry Creek Rd, Parkwood Ct, Iowa Ave, Heathermoor Blvd, Colony Dr, Dunster Ct, W 8th St, Eastland Dr, Blossom Ln, W Quarry St$795

Covington, KY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Covington$116 to $118
Fort Mitchell$120
Lakeside Park$121
Kenton Vale$113

Covington, 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
Fort Mitchell city, Kentucky $101 $134 $201
Fort Wright city, Kentucky $100 $133 $200
Lakeside Park city, Kentucky $102 $135 $203

Covington, 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
Covington, KY5.2%14.9%
Fort Mitchell4.5%12.33%
Fort Wright4.84%14.74%
Lakeside Park4.29%12.91%

Covington Renters Insurance as a Percentage of Rent

Covington Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 416 2.0% $339
$200 to $299 503 3.0% $789
$300 to $499 1,832 11.0% $1239
$500 to $749 6,980 42.0% $1914
$750 to $999 3,991 24.0% $2664
$1,000 to $1,499 2,382 14.0% $3789
$1,500 or more 448 2.0% $5439

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

Home value ($) Construction type Age of home Company premium ($)
125,000 Frame 29 years Aig Property Casualty Company 476
150,000 Brick Veneer 19 years Guideone Elite Insurance Company 749
250,000 Masonry 9 years Hartford Fire Insurance Company 874
125,000 Frame 29 years Homesite Insurance Company 726
150,000 Brick Veneer 19 years Merastar Insurance Company 636
250,000 Masonry 9 years Pharmacists Mutual Insurance Company 727
125,000 Frame 29 years Federal Insurance Company 747
125,000 Frame 29 years Grange Mutual Casualty Company 988
125,000 Frame 29 years Stillwater Insurance Company 477
250,000 Masonry 9 years Westfield Insurance Company 767

Covington, KY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Covington Homeowner Insurance Premium Example $700$500
Out of Pocket Expense During Claim$500$1,500
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $6,100$5,500
Net Savings to Covington Home Owner from High Deductible Plan $600

Covington, KY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Covington, KY Home Replacement Value MORE than Home Value Covington, KY Home Replacement Value LESS than Home Value
Replacement Value $104,000 $72,000
Insurance Premium based on Replacement Value $600 $425
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $15,500 Risk Exposure from Under Insuring Coverage is $16,500
Premium Impact Insurance cheaper by $100/year Insurance costlier by $75/year

Example Covington Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateChubb Group of InsuranceFarmers Insurance
Monthly Premium 973278
Year Built 197319651988
Home Details 5 Beds, 1 Baths2 Beds, 1 Baths4 Beds, 1 Baths
Coverage Amount $200000-$250000$75000-$100000$200000-$250000
Deductible $500 Deductible$500- $1000 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1972 280,000 Slate Shingles Roof 3,020 4 $2500-$5000 Deductible 1130 12 Stucco siding yes
1973 170,000 Metal Roof 2,150 5 $500- $1000 Deductible 760 12 Wood siding yes
1946 135,000 Slate Shingles Roof 1,750 3 $2500-$5000 Deductible 210 5 Stone Siding yes
2004 165,000 Metal Roof 1,770 2 $500- $1000 Deductible 200 3 Vinyl siding yes
1994 155,000 Membrane Roof 1,750 5 $2500-$5000 Deductible 40 1 Vinyl siding yes
1963 220,000 Wood Shake Roof 2,090 4 > $10,000 Deductible 360 6 Stucco siding No
1965 245,000 Shingles Roof 2,640 5 $5000 to $10,000 Deductible 300 5 Vinyl siding yes
1941 165,000 Slate Shingles Roof 1,760 2 $1000-$2500 Deductible 360 6 Vinyl siding yes
1975 315,000 Slate Shingles Roof 3,330 4 $500- $1000 Deductible 1220 12 Vinyl siding No
2006 145,000 Metal Roof 1,790 3 $500- $1000 Deductible 280 5 Stone Siding No
1986 200,000 Asphalt Shingles Roof 2,610 4 $1000-$2500 Deductible 310 4 Vinyl siding No
1967 115,000 Tile Roof 1,260 2 $1000-$2500 Deductible 210 5 Stone Siding No
1976 365,000 Membrane Roof 4,280 5 $2500-$5000 Deductible 760 7 Stone Siding No
1945 110,000 Metal Roof 1,290 3 $2500-$5000 Deductible 180 7 Vinyl siding yes
1973 175,000 Tile Roof 2,040 5 $500 Deductible 590 9 Brick siding yes
1980 175,000 Asphalt Shingles Roof 2,130 3 $5000 to $10,000 Deductible 470 12 Stone Siding yes
2005 105,000 Tile Roof 1,390 2 $2500-$5000 Deductible 120 5 Stone Siding yes
1983 210,000 Metal Roof 2,220 3 $1000-$2500 Deductible 970 10 Brick siding No
1995 320,000 Shingles Roof 3,690 5 > $10,000 Deductible 300 4 Wood siding yes
1990 115,000 Wood Shake Roof 1,120 2 $1000-$2500 Deductible 320 9 Brick siding No
1993 255,000 Wood Shake Roof 2,610 5 $1000-$2500 Deductible 530 7 Brick siding No
1999 150,000 Metal Roof 1,560 2 $1000-$2500 Deductible 700 12 Stone Siding yes
2000 85,000 Shingles Roof 980 2 $2500-$5000 Deductible 210 8 Fiber-Cement Siding No
1992 155,000 Tile Roof 1,590 2 $1000-$2500 Deductible 70 1 Fiber-Cement Siding No
1982 375,000 Shingles Roof 4,570 5 $1000-$2500 Deductible 700 7 Stone Siding No
2008 85,000 Wood Shake Roof 1,020 2 $500 Deductible 110 3 Brick siding yes
1985 120,000 Membrane Roof 1,650 4 $500 Deductible 420 7 Stucco siding No
2007 220,000 Composition Roof 2,370 4 $500 Deductible 110 1 Stone Siding No
1964 120,000 Metal Roof 1,380 3 $2500-$5000 Deductible 80 2 Stucco siding yes
1937 155,000 Wood Shake Roof 1,658 4 $2500-$5000 Deductible 380 4 Stone Siding yes

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