Elizabethtown Insurance Rates:

Elizabethtown, KY homeowners insurance is approximately $665 to $905, about $55-$75/month. Our comprehensive guide indicates shoppers can save upto $314 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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How to Find the Best Homeowners Insurance in Elizabethtown, KY

Home insurance in Elizabethtown, KY, is essential to protect your property, belongings, and financial security. It provides coverage in the event of a fire, theft, or natural disaster and liability coverage in the event of an accident on the premises. Home insurance can also provide coverage for additional living expenses in the event that your home is damaged and you must seek temporary housing.

The cost of home insurance in Elizabethtown, KY, is determined by a variety of factors such as the age and condition of your home, your credit score, the value of your home, the type of coverage you need, and the location of your home. The average cost of home insurance in Elizabethtown, KY, is around $1,003 for a basic policy. However, the cost can vary depending on your specific needs and the local market. To find the best rate for your home insurance needs, contact a local independent insurance agent who can compare quotes from multiple companies to find the best coverage and price. This article will give readers important information on techniques homeowners can use to reduce their home insurance costs in Elizabethtown, Kentucky.

Cost of Home Insurance Based on the Coverage Level in Elizabethtown, KY

The coverage plan helps to protect your home and other structures on your property from unanticipated events. It is designed to protect your home, belongings, or other assets from harm and theft. The price may change depending on the type of coverage a homeowner selects. The cost of home insurance in Elizabethtown, KY, will depend on several factors, including the type and amount of coverage, the size of the home, the age and condition of the home, the location of the home, and the type of neighbourhood. For example, in Elizabethtown, Kentucky, homeowners who select a $200K policy pay $1187 for their home insurance.

Cost of Home Insurance Based on the Deductibles in Elizabethtown, KY

The cost of home insurance in Elizabethtown, KY, will vary depending on various factors, including the size and value of the home, the location, and the type and amount of coverage purchased. The deductible chosen by the policyholder will also affect the cost of the policy. Generally, higher deductibles result in lower premiums, while lower deductibles tend to result in higher premiums. As a rule of thumb, homeowners should choose a deductible they can comfortably afford to pay in case of a claim. For homeowners in Elizabethtown, Kentucky, a $500 low deductible on homeowner's insurance will cost $991. On the other hand, in Elizabethtown, Kentucky, homeowners paid $720 for their home insurance after choosing a high $2500 deductible.

Cost of Home Insurance Based on the Age of the Home in Elizabethtown, KY

The age of the house is a major factor in determining homeowners insurance premiums in Elizabethtown, Kentucky. For instance, a home that is older than 50 years would normally have a higher rate than one younger than ten years. The older a home is, the more expensive the insurance may be due to the higher risk of damage or loss. However, newer homes may also be more expensive to insure due to the increased cost of construction materials. Homeowners insurance in Elizabethtown, Kentucky, costs $1018 for houses older than 30 years and $1042 for those older than 50 years. On the other hand, newly constructed homes in Elizabethtown, Kentucky, may qualify for insurance savings of $772.

Elizabethtown, KY Homeowners Insurance By Home Value

Elizabethtown, KY Home Value Total Homes % of Total Average Elizabethtown, KY Homeowners Insurance
Less than $50,000 811 6.0% $125
$50,000 to $59,999 202 1.0% $259
$60,000 to $69,999 432 3.0% $321
$70,000 to $79,999 466 3.0% $376
$80,000 to $89,999 652 5.0% $423
$90,000 to $99,999 546 4.0% $478
$100,000 to $124,999 1,284 10.0% $549
$125,000 to $149,999 1,592 13.0% $690
$150,000 to $174,999 1,758 14.0% $816
$175,000 to $199,999 1,156 9.0% $942
$200,000 to $249,999 1,343 11.0% $1138
$250,000 to $299,999 948 7.0% $1389
$300,000 to $399,999 880 7.0% $1766

Top Home Insurance Agents Near Elizabethtown, KY

Home Insurance Company Near Elizabethtown, KY Homeowners Insurance Agency Near Elizabethtown, KY Address
Liberty Mutual Independent Bob Cooper Ins Agcy Inc 517 HIGHLAND AVE, VINE GROVE, KY, 40175
State Farm Jim Hagan 225 W John Rowan Blvd, Bardstown, KY, 40004-2642
Travelers Sc Insurance Llc 600 W MAIN ST STE 500, LOUISVILLE, KY, 40202
Travelers Southeast Insurance Agency Llc 2843 BROWNSBORO RD STE 212, LOUISVILLE, KY, 40206
Liberty Mutual Independent Sterling G Thompson Co 545 S 3RD ST STE 300, LOUISVILLE, KY, 40202

Elizabethtown, KY Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Elizabethtown, KY

Streets in Elizabethtown Area Homeowners Insurance Cost
Greg Smallwood Rd, Coldcreek Ct S, Cs-1617, Ramona Ct, Lakeside Dr, Co Rd 1514, Holmes-Tucker Rd, Sunrise Ln, Cs-1529, Summit Baptist Church Rd$794
Helm Ct, Pepper Ln, Hackberry Rd, State Hwy 220, Tunnel Hill Rd, Vaughn Ln, State Hwy 1882, Fetch It Ct, E Poplar St, Raleigh Way$767
Lincoln Pkwy, Wilmoth St, Farmingdale Dr, Co Rd 1185, Dogwood Cir, Abby Ct, Smith Mill Rd, Laurel Ct, Henry St, Claysville Lndg$780
Grant Cir, Gaither Station Rd, Bittersweet Dr, First Union Church Rd, Bellarmine Ct, Hartford Ct, Mills Ct, Lawrence Ln, Elaine Ct, College Street Rd$787
Bennett Rd, Nathans Ln, Durbin Ln, Bethlehem Academy Rd, Jimmy Ct, Lee Rd, Stovall Rd, Brittany Ave, Graceland Trl, Timber Ln$768
Sycamore Rd, Glendover Dr, Shacklette Ct, Brangers Ln, Millerstown Loop, Co Rd 1015, State Hwy 253, E Williams St, Lake Spring Ct, E Railroad Ave$770
Co Rd 1120, Barnes Ln, Leitchfield Rd, Youngers Creek Rd, Aaron Ct, Owsley Rd, State Hwy 84, Pickhandle Wilmoth Rd, Hoover Hollow Rd, W Bryan Rd$773
Valley Creek Rd, State Hwy 1375, Bristol Ct, Coffey Ln, Shelton Rd, Glendale Hodgenville Rd W, Claudia Ave, Pleasant Colony Dr, Lawson Blvd, Demonica Ln$784
Newton Hollow Rd, Ralph Franklin Rd, Sante Fe Trl, Fern Valley Ct, Evergreen Garden Dr, Severns St, Northridge Dr, Arvel Wise Ln, Tunnel Hill Church Rd, Quail Run Rd$783
Summerfield Dr, W Warfield St, Rodgers Way, Long Grove Rd, Clear Spring Ct, Fuller Rd, Palmetto Loop, Co Rd 1286, Astaire Dr, Arrowwood Ct$774

Elizabethtown, KY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Elizabethtown$117 to $120
Hardin County$116

Elizabethtown, 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
Hardin County, Kentucky $116 $155 $233
Hodgenville CCD, Larue County, Kentucky $113 $150 $225
Cecilia CCD, Hardin County, Kentucky $119 $158 $237

Elizabethtown, 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
Elizabethtown, KY5.5%20.6%
Hardin County5.62%20.69%

Elizabethtown Renters Insurance as a Percentage of Rent

Elizabethtown Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 154 2.0% $335
$200 to $299 217 3.0% $785
$300 to $499 1,293 21.0% $1235
$500 to $749 2,043 33.0% $1910
$750 to $999 1,415 23.0% $2660
$1,000 to $1,499 676 11.0% $3785
$1,500 or more 214 3.0% $5435

Elizabethtown, KY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Elizabethtown Homeowner Insurance Premium Example $1,500$1,000
Out of Pocket Expense During Claim$900$2,900
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $8,400$7,900
Net Savings to Elizabethtown Home Owner from High Deductible Plan $500

Elizabethtown, KY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Elizabethtown, KY Home Replacement Value MORE than Home Value Elizabethtown, KY Home Replacement Value LESS than Home Value
Replacement Value $210,000 $131,000
Insurance Premium based on Replacement Value $1,000 $625
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $48,500 Risk Exposure from Under Insuring Coverage is $30,500
Premium Impact Insurance cheaper by $150/year Insurance costlier by $225/year

Example Elizabethtown Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualAmica Mutual Insurance CompanyAllstate
Monthly Premium 4750171
Year Built 200820141985
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 1 Baths
Coverage Amount $125000-$150000$200000-$250000$350000-$400000
Deductible $500- $1000 Deductible> $10,000 Deductible$500 Deductible

Sample Home Insurance Rates for Elizabethtown, 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 260,000 Membrane Roof 2,620 4 $1000-$2500 Deductible 150 2 Brick siding No
2014 305,000 Membrane Roof 2,830 4 $2500-$5000 Deductible 90 1 Fiber-Cement Siding yes
2014 230,000 Metal Roof 2,980 5 $1000-$2500 Deductible 770 9 Fiber-Cement Siding No
2013 210,000 Composition Roof 2,180 5 $500- $1000 Deductible 250 3 Brick siding No
2011 200,000 Composition Roof 2,070 3 > $10,000 Deductible 270 6 Wood siding No
2000 250,000 Composition Roof 2,980 4 $5000 to $10,000 Deductible 180 3 Fiber-Cement Siding No
1999 125,000 Asphalt Shingles Roof 1,310 3 $500- $1000 Deductible 350 6 Stone Siding yes
2007 250,000 Tile Roof 2,500 4 $500 Deductible 180 2 Stone Siding No
1983 160,000 Wood Shake Roof 1,780 3 $1000-$2500 Deductible 400 8 Wood siding yes
1993 285,000 Composition Roof 3,410 5 $2500-$5000 Deductible 200 2 Vinyl siding No
2011 320,000 Asphalt Shingles Roof 2,930 5 $1000-$2500 Deductible 520 5 Stucco siding No
2001 295,000 Metal Roof 3,390 5 > $10,000 Deductible 170 3 Vinyl siding yes
2006 175,000 Metal Roof 1,790 3 $500 Deductible 690 9 Vinyl siding No
1997 105,000 Wood Shake Roof 1,360 3 $2500-$5000 Deductible 200 6 Stucco siding yes
2014 225,000 Metal Roof 2,050 3 $1000-$2500 Deductible 720 10 Vinyl siding yes
2011 175,000 Wood Shake Roof 1,680 3 $1000-$2500 Deductible 550 10 Wood siding No
2010 185,000 Wood Shake Roof 2,310 5 $500 Deductible 550 7 Brick siding yes
1998 160,000 Slate Shingles Roof 1,730 5 $1000-$2500 Deductible 380 5 Wood siding No
2002 110,000 Tile Roof 1,220 3 $500- $1000 Deductible 330 9 Stone Siding yes
1981 175,000 Metal Roof 2,300 4 $2500-$5000 Deductible 720 12 Stone Siding yes
2011 165,000 Asphalt Shingles Roof 1,980 3 $2500-$5000 Deductible 730 12 Brick siding yes
1988 120,000 Metal Roof 1,280 3 $1000-$2500 Deductible 330 10 Wood siding yes
1996 200,000 Composition Roof 2,590 5 $5000 to $10,000 Deductible 380 10 Fiber-Cement Siding yes
1986 180,000 Slate Shingles Roof 2,360 3 $5000 to $10,000 Deductible 60 1 Brick siding No
2007 175,000 Tile Roof 2,270 3 $5000 to $10,000 Deductible 430 10 Stone Siding No
2013 170,000 Slate Shingles Roof 1,700 3 $5000 to $10,000 Deductible 120 3 Stucco siding yes
2011 265,000 Membrane Roof 2,520 5 $500 Deductible 220 2 Brick siding No
2013 360,000 Slate Shingles Roof 3,530 5 $5000 to $10,000 Deductible 800 7 Vinyl siding yes
2010 120,000 Shingles Roof 1,540 3 $500- $1000 Deductible 370 9 Stone Siding yes
2007 375,000 Metal Roof 4,400 5 $500 Deductible 1310 9 Wood siding No
2006 140,000 Tile Roof 1,690 3 $2500-$5000 Deductible 120 3 Brick siding No
1993 225,000 Membrane Roof 2,380 3 $5000 to $10,000 Deductible 480 9 Stone Siding yes
2005 165,000 Metal Roof 1,820 5 $500- $1000 Deductible 480 9 Vinyl siding yes

Latest Home Insurance Reviews

State Farm
I would recommend my company because if someone has an older home that other companies won't give them the coverage that they want my company will give them that coverage.
The company has been very hands-off, which is a good thing in my opinion. After I obtained the policy, I haven't heard from them other than paying bills.
Liberty Mutual
Compare to other insurance companies Liberty mutual has more coverage or the same but at a lower rate. they let you build your coverage according to your needs and likes.
I like that my insurance company is local. the people that i would need to talk to are people in the community and are always free to answer my calls.
Another point that i like about my insurance company was that they bundled my auto insurance with it. i get a rebate at the end of the year.
Kentucky Farm Bureau
About 5 years ago, kfb stopped offering a $500 deductible. now the least that it has to offer is a $1000. it isn't that big of a deal, but i did like the $500.00.
Kentucky Farm Bureau
It seems that the premium keeps going up year after year. It is sad because it goes up even when there is no claim that happens.
Kentucky Farm Bureau
I have not had to deal with their customer service much except for when I got the insurance through them. They were nice and helpful when I did that.
I have never had to use the customer service department of our insurance company, therefore I'm not sure if it is good or bad.
I don't really dislike anything since I've never really had to use our insurance.
The premium and deductible options for Geico are great, i'm able to adjust if needed, and the pricing is very good compared to other companies offering the same level of service.
State Farm
Our company is decent for the money. They provide all the coverages we would want in the event of an accident

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