Cynthiana Insurance Rates:

Cynthiana, KY homeowners insurance is approximately $641 to $877, about $53-$73/month. Our exhaustive analysis reveals consumers can save as much as $303 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Cynthiana, KY Homeowners Insurance By Home Value

Cynthiana, KY Home Value Total Homes % of Total Average Cynthiana, KY Homeowners Insurance
Less than $50,000 320 10.0% $174
$50,000 to $59,999 125 3.0% $364
$60,000 to $69,999 217 6.0% $447
$70,000 to $79,999 351 11.0% $523
$80,000 to $89,999 212 6.0% $592
$90,000 to $99,999 247 7.0% $660
$100,000 to $124,999 456 14.0% $766
$125,000 to $149,999 318 10.0% $956
$150,000 to $174,999 233 7.0% $1130
$175,000 to $199,999 120 3.0% $1305
$200,000 to $249,999 172 5.0% $1571
$250,000 to $299,999 139 4.0% $1920
$300,000 to $399,999 243 7.0% $2443

Top Home Insurance Agents Near Cynthiana, KY

Home Insurance Company Near Cynthiana, KY Homeowners Insurance Agency Near Cynthiana, KY Address
NA Bb&T Insurance Services Of Lexington 2525 Harrodsburg Rd, Ste 300 , Lexington, KY, 40504
State Farm David Lovejoy 125 Towne Center Dr Ste 125, Lexington, KY, 40511-2027
Travelers Guide One Insurance 199 WAYNE DR STE 4, RICHMOND, KY, 40475
State Farm Joe Dalbey 20 North Grand Avenue, Fort Thomas, KY, 41075-1755
Liberty Mutual Independent John Wood Insurance Agency Inc 252 S 2ND ST, RIPLEY, OH, 45167

Cost Of Homeowners Insurance By Street Near Cynthiana, KY

Streets in Cynthiana Area Homeowners Insurance Cost
Meadow Ln, Federal Dr, Clifton Rd, White Rd, Westway Ln, Bears Ln, Switzer Rd, State Hwy 392, Oddville Ave, Hideout Ln$769
Lemons Ln, Southridge Ln, Dogwood Ct, Federal Ave, Old Georgetown Rd, Grandview Dr, Newtown Leesburg Rd, Third St, Reynolds Ave, Sugar Bud Ln$764
Miller St, Bobtown Rd, S Elmarch Ave, Windy Ridge Ln, Press Dr, E Pearl St, Miley Ave, Monroe Ln, Bedford Way, Leesburg Leeslick Rd$761
Smiser Rd, Morning Glory Rd, E Pleasant St, Twin Creek Rd, Lola Dr, E Meadow Ln, E State Hwy 1842, Dividing Rdg Rd, Lincoln Ave, Farmer Trail Cir$769
W Pleasant St, Spruce Dr, Parkway Dr, Oddville Sunrise Rd, Wagoners Chapel Rd, Mark Rd, Beamer Rd, Birchwood Ct, Connersville-Twin Creek Rd, Rose Bay Ln$760

Cynthiana, KY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Cynthiana$112 to $114
Harrison County$113
Millersburg$119
Berry West$114

Cynthiana, 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
Harrison County, Kentucky $95 $126 $189
Millersburg CCD, Bourbon County, Kentucky $99 $132 $198
Berry West CCD, Harrison County, Kentucky $96 $127 $191

Cynthiana, 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
Cynthiana, KY6.0%21.1%
Harrison County6.0%20.35%
Millersburg5.22%17.12%
Berry West5.79%20.34%

Cynthiana Renters Insurance as a Percentage of Rent

Cynthiana Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 109 5.0% $349
$200 to $299 155 8.0% $799
$300 to $499 572 31.0% $1249
$500 to $749 736 39.0% $1924
$750 to $999 188 10.0% $2674
$1,000 to $1,499 74 4.0% $3799

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

Home value ($) Construction type Age of home Company premium ($)
150,000 Brick Veneer 19 years Allstate Insurance Company 878
150,000 Brick Veneer 19 years American Bankers Insurance Company Of Florida 2,389
125,000 Frame 29 years American National Property And Casualty Company 800
150,000 Brick Veneer 19 years Anchor Specialty Insurance Company 0
125,000 Frame 29 years Garrison Property And Casualty Insurance Company 535
125,000 Frame 29 years Guideone Elite Insurance Company 689
150,000 Brick Veneer 19 years Property And Casualty Insurance Company Of Hartford 1,664
125,000 Frame 29 years Allstate Indemnity Company 863
125,000 Frame 29 years Hartford Insurance Company Of The Midwest 1,457
125,000 Frame 29 years Standard Fire Insurance Company (The) 461

Cynthiana, KY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,800$2,800
Yearly Cynthiana Homeowner Insurance Premium Example $700$500
Out of Pocket Expense During Claim$1,800$2,800
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $7,400$6,800
Net Savings to Cynthiana Home Owner from High Deductible Plan $600

Cynthiana, KY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Cynthiana, KY Home Replacement Value MORE than Home Value Cynthiana, KY Home Replacement Value LESS than Home Value
Replacement Value $117,500 $71,000
Insurance Premium based on Replacement Value $525 $325
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $26,000 Risk Exposure from Under Insuring Coverage is $20,500
Premium Impact Insurance cheaper by $100/year Insurance costlier by $100/year

Example Cynthiana Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateFarmers InsuranceLiberty Mutual
Monthly Premium 284753
Year Built 198319651972
Home Details 2 Beds, 1 Baths3 Beds, 1 Baths4 Beds, 3 Baths
Coverage Amount $50000-$75000$100000-$125000$175000-$200000
Deductible $500 Deductible$500 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2003 115,000 Composition Roof 1,560 2 $2500-$5000 Deductible 230 6 Fiber-Cement Siding yes
1961 125,000 Metal Roof 1,710 2 $1000-$2500 Deductible 520 9 Vinyl siding yes
1989 135,000 Membrane Roof 1,710 2 $500 Deductible 140 3 Stone Siding No
1945 180,000 Asphalt Shingles Roof 3,080 4 $500- $1000 Deductible 410 6 Fiber-Cement Siding No
1980 105,000 Composition Roof 1,270 2 $2500-$5000 Deductible 220 6 Stucco siding yes
1986 185,000 Asphalt Shingles Roof 2,230 3 $2500-$5000 Deductible 220 4 Stone Siding yes
1975 105,000 Slate Shingles Roof 1,470 2 $500- $1000 Deductible 240 6 Fiber-Cement Siding No
1988 170,000 Membrane Roof 2,370 3 $500 Deductible 340 5 Stucco siding yes
1994 105,000 Asphalt Shingles Roof 1,750 4 $1000-$2500 Deductible 230 8 Brick siding No
1962 85,000 Metal Roof 1,040 2 $2500-$5000 Deductible 210 9 Stucco siding yes
1980 190,000 Metal Roof 2,360 3 $2500-$5000 Deductible 260 4 Wood siding yes
1971 210,000 Asphalt Shingles Roof 2,730 4 $1000-$2500 Deductible 340 5 Wood siding yes
1985 170,000 Slate Shingles Roof 2,430 4 $1000-$2500 Deductible 500 10 Brick siding No
1944 185,000 Slate Shingles Roof 2,660 4 $500 Deductible 700 9 Fiber-Cement Siding No
2009 85,000 Slate Shingles Roof 1,100 2 $500 Deductible 510 10 Brick siding No
1968 100,000 Asphalt Shingles Roof 1,370 3 $500- $1000 Deductible 410 12 Fiber-Cement Siding yes
1963 130,000 Membrane Roof 1,820 3 $2500-$5000 Deductible 240 7 Stone Siding yes
1962 130,000 Composition Roof 1,950 4 $500- $1000 Deductible 700 12 Vinyl siding No
1960 140,000 Shingles Roof 2,200 3 $1000-$2500 Deductible 360 9 Wood siding yes
1968 170,000 Shingles Roof 2,380 4 $2500-$5000 Deductible 100 2 Vinyl siding No
1993 140,000 Wood Shake Roof 1,820 3 $500- $1000 Deductible 90 2 Vinyl siding yes
1965 65,000 Metal Roof 960 2 $2500-$5000 Deductible 100 6 Stone Siding No
1966 110,000 Composition Roof 1,390 3 $1000-$2500 Deductible 240 5 Fiber-Cement Siding yes
1988 90,000 Metal Roof 1,160 2 $500 Deductible 150 4 Vinyl siding No
1944 130,000 Shingles Roof 1,700 4 $500- $1000 Deductible 170 4 Vinyl siding yes
1998 100,000 Asphalt Shingles Roof 1,680 4 $500 Deductible 190 5 Brick siding No
1970 95,000 Slate Shingles Roof 1,090 2 $2500-$5000 Deductible 50 2 Brick siding No
1960 200,000 Asphalt Shingles Roof 2,720 4 $1000-$2500 Deductible 140 2 Stucco siding yes
1976 180,000 Membrane Roof 2,420 4 $500 Deductible 160 2 Brick siding yes
2001 205,000 Tile Roof 2,940 4 $1000-$2500 Deductible 650 12 Wood siding No
1973 200,000 Shingles Roof 3,340 4 $2500-$5000 Deductible 220 4 Fiber-Cement Siding No