Elizabethtown, KY Home Insurance - Analysis On Quotes, Rates & Agents
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.
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
| Place | Savings For Senior Occupied Homes |
|---|---|
| Elizabethtown | $117 to $120 |
| Hardin County | $116 |
| Hodgenville | $112 |
| Cecilia | $118 |
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
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Elizabethtown, KY | 5.5% | 20.6% |
| Hardin County | 5.62% | 20.69% |
| Hodgenville | 6.26% | 22.82% |
| Cecilia | 6.02% | 22.32% |
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 Deductible | High Deductible | |
|---|---|---|
| Deductible | $900 | $2,900 |
| 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 Mutual | Amica Mutual Insurance Company | Allstate |
| Monthly Premium | 47 | 50 | 171 |
| Year Built | 2008 | 2014 | 1985 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 1 Baths | 5 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 FarmI 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.
TravelersThe 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 MutualCompare 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.
AllstateI 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.
AllstateAnother 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 BureauAbout 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 BureauIt 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 BureauI 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.
NationwideI have never had to use the customer service department of our insurance company, therefore I'm not sure if it is good or bad.
AllstateI don't really dislike anything since I've never really had to use our insurance.
GeicoThe 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 FarmOur company is decent for the money. They provide all the coverages we would want in the event of an accident