Flatwoods Insurance Rates:

Flatwoods, KY homeowners insurance is roughly $634 to $860, about $52-$71/month. Our comprehensive guide indicates shoppers can save as much as $298 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Flatwoods, KY Homeowners Insurance By Home Value

Flatwoods, KY Home Value Total Homes % of Total Average Flatwoods, KY Homeowners Insurance
Less than $50,000 252 12.0% $209
$50,000 to $59,999 136 6.0% $448
$60,000 to $69,999 188 9.0% $552
$70,000 to $79,999 230 11.0% $642
$80,000 to $89,999 343 16.0% $724
$90,000 to $99,999 197 9.0% $814
$100,000 to $124,999 147 7.0% $941
$125,000 to $149,999 191 9.0% $1180
$150,000 to $174,999 167 8.0% $1389
$175,000 to $199,999 75 3.0% $1606
$200,000 to $249,999 26 1.0% $1934
$250,000 to $299,999 80 3.0% $2360
$300,000 to $399,999 26 1.0% $3002

Top Home Insurance Agents Near Flatwoods, KY

Home Insurance Company Near Flatwoods, KY Homeowners Insurance Agency Near Flatwoods, KY Address
Travelers Isu-Midland Insurance Agency Inc 2841 13TH ST, ASHLAND, KY, 41102
Nationwide Partners Insurance & Financial Svcs 3327 US Rte 60 E STE 100, Huntington, WV, 25705-2838
Liberty Mutual Independent Saunders Insurance Agency 437 2ND AVE, GALLIPOLIS, OH, 45631
Nationwide Thomas L. Kirker 307 E Main St, West Union, OH, 45693-1448
State Farm Tom Midkiff 11878 Winfield Rd, Winfield, WV, 25213-7914

Cost Of Homeowners Insurance By Street Near Flatwoods, KY

Streets in Flatwoods Area Homeowners Insurance Cost
Magnolia Dr, Belfonte St, Emily Ln, Oakland Ct, Thompson Rd, Campbell St, Cs-5044, Ashland Dr, Cr-1602, McKenzie Ave$748
Cs-2187-10, Laurel Dr, Coburn St, Automart Ln, Railroad St, Douglas Hollow Rd, Amber Ln, Thompson Rd, Princess Dr, Chinn St$794
Cr-1111W, Watson Rd, Willow Tree Ln, Eastfork Rd, Culp Creek Rd, Cherokee Rd, Center St, Litteral Ln, Russell-Worthington Rd, Litteral St$750
Greenbo Blvd, Boulder Dr, Ontario St, Cr-1141, Spring St, Rockgate Rd, Crimson Dr, Houston St, Picklesimer Cemetery Rd, Buckenham Ln$745
Shadow Creek Dr, Scott St, Commanche Way, Bailey Ln, Van Buren Ave, Green Acres Dr, Scotch St, Armada Blvd, Byers Rd, Deering Ct$747

Flatwoods, KY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Flatwoods$111 to $114
Flatwoods-Russell$113
Raceland$112
Russell$117

Flatwoods, 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
Flatwoods-Russell CCD, Greenup County, Kentucky $94 $125 $188
Raceland city, Kentucky $94 $125 $187
Russell city, Kentucky $98 $131 $196

Flatwoods, 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
Flatwoods, KY6.1%20.9%
Flatwoods-Russell5.68%18.84%
Raceland6.34%18.14%
Russell4.92%16.21%

Flatwoods Renters Insurance as a Percentage of Rent

Flatwoods Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 56 6.0% $355
$200 to $299 11 1.0% $805
$300 to $499 146 15.0% $1255
$500 to $749 413 44.0% $1930
$750 to $999 242 26.0% $2680
$1,000 to $1,499 51 5.0% $3805
$1,500 or more 10 1.0% $5455

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

Home value ($) Construction type Age of home Company premium ($)
150,000 Brick Veneer 19 years Bankers Standard Insurance Company 1,335
125,000 Frame 29 years Electric Insurance Company 2,371
250,000 Masonry 9 years Metropolitan Property And Casualty Insurance Company 1,180
150,000 Brick Veneer 19 years Nationwide General Insurance Company 616
250,000 Masonry 9 years Travelers Indemnity Company Of America 1,061
250,000 Masonry 9 years California Casualty General Insurance Company Of Oregon 1,155
125,000 Frame 29 years Federal Insurance Company 908
125,000 Frame 29 years Grange Mutual Casualty Company 1,298
125,000 Frame 29 years Ohio Casualty Insurance Company 1,221
250,000 Masonry 9 years United Services Automobile Association 549

Flatwoods, KY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$700$1,700
Yearly Flatwoods Homeowner Insurance Premium Example $400$200
Out of Pocket Expense During Claim$700$1,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $3,900$3,300
Net Savings to Flatwoods Home Owner from High Deductible Plan $600

Flatwoods, KY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Flatwoods, KY Home Replacement Value MORE than Home Value Flatwoods, KY Home Replacement Value LESS than Home Value
Replacement Value $112,000 $77,000
Insurance Premium based on Replacement Value $550 $375
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $10,500 Risk Exposure from Under Insuring Coverage is $24,500
Premium Impact Insurance cheaper by $125/year Insurance costlier by $50/year

Example Flatwoods Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceAllstateErie Insurance
Monthly Premium 465592
Year Built 197919571987
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths5 Beds, 4 Baths
Coverage Amount $100000-$125000$175000-$200000$350000-$400000
Deductible $1000-$2500 Deductible$2500-$5000 Deductible> $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1989 150,000 Metal Roof 2,040 5 $2500-$5000 Deductible 350 6 Fiber-Cement Siding yes
1986 130,000 Asphalt Shingles Roof 1,910 3 $1000-$2500 Deductible 420 9 Stone Siding No
1987 145,000 Slate Shingles Roof 2,100 3 $2500-$5000 Deductible 140 3 Stone Siding No
1975 225,000 Composition Roof 3,550 5 $500 Deductible 540 8 Vinyl siding No
1963 150,000 Shingles Roof 2,830 4 $1000-$2500 Deductible 590 12 Brick siding yes
1954 95,000 Shingles Roof 1,680 4 $2500-$5000 Deductible 40 1 Stone Siding No
1984 185,000 Composition Roof 3,070 5 $500- $1000 Deductible 860 10 Stucco siding yes
1975 160,000 Shingles Roof 2,280 4 $1000-$2500 Deductible 620 12 Brick siding yes
1983 155,000 Wood Shake Roof 2,480 4 $2500-$5000 Deductible 210 4 Vinyl siding yes
1957 205,000 Composition Roof 2,870 4 $500 Deductible 970 12 Wood siding yes
1955 140,000 Wood Shake Roof 2,030 4 $500 Deductible 620 9 Fiber-Cement Siding No
1984 120,000 Slate Shingles Roof 1,640 4 $2500-$5000 Deductible 230 6 Brick siding No
1980 105,000 Asphalt Shingles Roof 2,090 5 $2500-$5000 Deductible 160 7 Stone Siding No
1978 275,000 Metal Roof 4,920 5 $2500-$5000 Deductible 790 9 Wood siding No
1976 80,000 Wood Shake Roof 1,460 3 $500- $1000 Deductible 100 4 Wood siding yes
1967 160,000 Asphalt Shingles Roof 2,400 4 $1000-$2500 Deductible 90 2 Wood siding yes
1984 230,000 Composition Roof 3,320 5 $500- $1000 Deductible 120 2 Stucco siding No
1968 125,000 Composition Roof 2,220 3 $2500-$5000 Deductible 250 7 Stucco siding yes
1976 245,000 Asphalt Shingles Roof 3,320 5 $500 Deductible 270 3 Brick siding No
1975 155,000 Slate Shingles Roof 2,750 5 $1000-$2500 Deductible 520 12 Vinyl siding No
1950 235,000 Slate Shingles Roof 3,280 4 > $10,000 Deductible 280 5 Stucco siding No
1998 125,000 Shingles Roof 1,760 3 $500 Deductible 110 2 Stone Siding No
1956 135,000 Composition Roof 2,310 3 $500 Deductible 500 8 Wood siding No
1952 250,000 Slate Shingles Roof 3,480 5 $500 Deductible 1180 12 Vinyl siding No
1955 90,000 Shingles Roof 1,670 3 $2500-$5000 Deductible 210 10 Stucco siding yes
1982 140,000 Membrane Roof 2,160 3 $500 Deductible 310 6 Stone Siding yes
1964 150,000 Asphalt Shingles Roof 2,270 5 $2500-$5000 Deductible 150 3 Wood siding No
1957 270,000 Slate Shingles Roof 3,550 5 $500- $1000 Deductible 110 1 Brick siding No
1997 145,000 Membrane Roof 2,570 5 $1000-$2500 Deductible 220 6 Vinyl siding No
1951 100,000 Membrane Roof 1,470 3 $500- $1000 Deductible 160 5 Brick siding No
1978 110,000 Metal Roof 1,920 5 $1000-$2500 Deductible 210 7 Fiber-Cement Siding yes