Frankfort Insurance Rates:

Frankfort, KY homeowners insurance is about $660 to $895, about $55-$74/month. Our complete analysis indicates shoppers can save upto $311 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Progressive
I like that progressive, it is immediately available if i have any questions concerning on my coverage and i can visit a local agent.
Progressive
I do not like that progressive is not the cheapest option and does not offer that much better service to justify the cost.
Farmer's Insurance
I also like our insurance because i feel that they are not overcharging us and we have been with them for over 20 years. the one time that we needed to make a claim, they were quick to come out to our home and give us an estimate within a very short time.
Nationwide
I believe that the company charges more than they really need to for the coverage. I am not sure they would pay what is expected when the time came to use it.
Kentucky Farm Bureau
I like the discounts that I get for bundling are cars with the house it saves money for us in the long run
State Farm
I recently had a claim. I contacted State Farm and within a day or two they sent out an agent to inspect the damages. I was not given the runaround and the claim was paid within a week or two. I, therefore, am very satisfied with the State Farm's customer service.
Allstate
My agent has promptly and friendly responded to each of my emails. I haven't had to file any home claims, but I know that they would be resolved quickly.

Frankfort, KY Homeowners Insurance By Home Value

Frankfort, KY Home Value Total Homes % of Total Average Frankfort, KY Homeowners Insurance
Less than $50,000 604 5.0% $132
$50,000 to $59,999 159 1.0% $280
$60,000 to $69,999 241 2.0% $350
$70,000 to $79,999 373 3.0% $404
$80,000 to $89,999 608 5.0% $459
$90,000 to $99,999 759 6.0% $513
$100,000 to $124,999 1,918 16.0% $599
$125,000 to $149,999 2,099 17.0% $746
$150,000 to $174,999 1,500 12.0% $886
$175,000 to $199,999 746 6.0% $1019
$200,000 to $249,999 1,210 10.0% $1229
$250,000 to $299,999 801 6.0% $1501
$300,000 to $399,999 694 5.0% $1913

Top Home Insurance Agents Near Frankfort, KY

Home Insurance Company Near Frankfort, KY Homeowners Insurance Agency Near Frankfort, KY Address
Liberty Mutual Independent Hummel Vevay Insurance 415 FERRY STREET, VEVAY, IN, 47043
Travelers Kevin D Bruce 714 LYNDON LANE STE 8, LOUISVILLE, KY, 40222
Travelers Lee & Marshall Insurance Inc 1123 NORTH BARDSTOWN RD, MT WASHINGTON, KY, 40047
Travelers Simms & Montgomery Inc 116 W MAIN STREET, SPRINGFIELD, KY, 40069
Nationwide Thomas E. Thompson 5505 S 3rd St, Louisville, KY, 40214-2614

Cost Of Homeowners Insurance By Street Near Frankfort, KY

Streets in Frankfort Area Homeowners Insurance Cost
Botkins Ln, Plaza Dr, Pleasant Hills Dr, Maple Ave, Bridgeport Rd, Aderly Ln, Cedar Rd, Lafayette Dr, Highway 151 Rd, Payne St$789
Versailles Rd, Ewing Ct, Crittenden Ave, State Hwy 1472, Meadow Ln, Carson Pl, Coolbrook Dr, Stable Ln, Fields Ave, Morehead Dr$810
Purebred Ct, Big Eddy Rd, Clem Rd, Jamestown Ct, Lilly St, Arbor View Dr, Evergreen Rd, Hilltop Dr, Williamsburg Rd, Wilkinson St$782
Palisades Dr, Gregory Woods Rd, Kiowa Trl, Stevenson Dr, Old Sheep Pen Rd, Wickliffe Rd, Owenton Rd, Bittersweet Ln, Huntington Woods Rd, Bluebird Ln$770
Pin Oak Dr, Berkley Ln, Highland Pkwy, State Hwy 1685, Tanglewood Dr, Navajo Trl, Timothy Dr, Newnam Ln, Harrodswood Rd, Lewis Ln$789
Harrodsburg Ln, Cavern Dr, Herman Smithers Rd, Lyons Dr, Ann St, Old Lawrenceburg Rd, Ringo Ave, Martha Ln, Wallace Ave, Crosshill Dr$809
Holt Ln, Bark Branch Rd, Seneca Trl, Cardinal Ave, Jason Dr, Buffalo Trl, Briar Cliff St, Bellemeade Dr, Pin Oak Sq, Lawrence St$758
Valley Brook Dr, Apple Way, Rosewood Dr, Fawn Dr, Dade Ct, Teton Trl, W Todd St, Cresent Dr, Breckinridge Ave, Collins St$785
Rabbit Ridge Ln, Woodlake Rd, Ojibwa Trl, Anderson Rd, Buttonwood Way, Meagher Ave, Bayberry Ln, Jonathon Ct, Birch Dr, Roberts St$802
Capital Heights Dr, Reservoir Rd, Chestnut Dr, Dennison Way, Yuma Trl, Peaks Mill Rd, Woodburn St, Magnolia Ave, Old Station Rd, Leslie Ave$781

Frankfort, KY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Frankfort$116 to $118
Franklin County$116
Bald Knob$117
Peaks Mill$115

Frankfort, 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
Franklin County, Kentucky $97 $129 $194
Bald Knob CCD, Franklin County, Kentucky $98 $130 $195
Peaks Mill CCD, Franklin County, Kentucky $97 $129 $193

Frankfort, 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
Frankfort, KY5.5%18.0%
Franklin County5.51%18.16%
Bald Knob6.16%18.13%
Peaks Mill5.98%21.52%

Frankfort Renters Insurance as a Percentage of Rent

Frankfort Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 123 1.0% $789
$300 to $499 1,288 18.0% $1239
$500 to $749 3,058 43.0% $1914
$750 to $999 1,892 26.0% $2664
$1,000 to $1,499 582 8.0% $3789
$1,500 or more 148 2.0% $5439

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

Home value ($) Construction type Age of home Company premium ($)
250,000 Masonry 9 years California Casualty General Insurance Company Of Oregon 1,051
250,000 Masonry 9 years Sentry Insurance A Mutual Company 1,119
250,000 Masonry 9 years Travelers Home And Marine Insurance Company (The) 556
250,000 Masonry 9 years Allstate Indemnity Company 1,520
125,000 Frame 29 years Grange Property & Casualty Insurance Company 417
150,000 Brick Veneer 19 years Guideone Specialty Mutual Insurance Company 725
125,000 Frame 29 years Liberty Insurance Corporation 1,068
250,000 Masonry 9 years Motorists Mutual Insurance Company 93
250,000 Masonry 9 years Pharmacists Mutual Insurance Company 855
250,000 Masonry 9 years United Services Automobile Association 577

Frankfort, KY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,300$5,300
Yearly Frankfort Homeowner Insurance Premium Example $2,500$1,500
Out of Pocket Expense During Claim$1,300$5,300
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $13,800$12,800
Net Savings to Frankfort Home Owner from High Deductible Plan $1,000

Frankfort, KY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Frankfort, KY Home Replacement Value MORE than Home Value Frankfort, KY Home Replacement Value LESS than Home Value
Replacement Value $185,000 $109,000
Insurance Premium based on Replacement Value $925 $550
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $40,000 Risk Exposure from Under Insuring Coverage is $36,000
Premium Impact Insurance cheaper by $175/year Insurance costlier by $200/year

Example Frankfort Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceState FarmFarmers Insurance
Monthly Premium 435443
Year Built 198919672003
Home Details 2 Beds, 1 Baths4 Beds, 2 Baths3 Beds, 1 Baths
Coverage Amount $125000-$150000$200000-$250000$125000-$150000
Deductible $1000-$2500 Deductible$5000 to $10,000 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1992 160,000 Shingles Roof 2,080 4 $500 Deductible 970 12 Brick siding No
2014 280,000 Asphalt Shingles Roof 2,890 5 $2500-$5000 Deductible 650 8 Brick siding yes
2002 250,000 Wood Shake Roof 3,430 5 $500- $1000 Deductible 1000 9 Brick siding yes
1981 265,000 Metal Roof 3,500 5 $1000-$2500 Deductible 1000 9 Fiber-Cement Siding yes
1967 205,000 Slate Shingles Roof 2,610 5 $1000-$2500 Deductible 740 8 Stucco siding yes
1943 430,000 Asphalt Shingles Roof 4,330 5 $5000 to $10,000 Deductible 1020 8 Vinyl siding No
1970 135,000 Membrane Roof 1,360 2 $1000-$2500 Deductible 210 6 Stucco siding yes
1982 195,000 Wood Shake Roof 2,100 4 $2500-$5000 Deductible 170 3 Brick siding No
1992 400,000 Membrane Roof 4,520 5 $500- $1000 Deductible 440 4 Brick siding No
2014 155,000 Asphalt Shingles Roof 2,210 4 $500- $1000 Deductible 390 7 Stucco siding No
1998 325,000 Composition Roof 3,400 4 > $10,000 Deductible 790 10 Stone Siding No
1993 220,000 Wood Shake Roof 2,960 4 $1000-$2500 Deductible 240 4 Stucco siding No
1974 175,000 Slate Shingles Roof 2,200 5 $5000 to $10,000 Deductible 260 6 Stucco siding yes
1969 215,000 Composition Roof 2,200 5 $500- $1000 Deductible 740 8 Vinyl siding No
2002 175,000 Metal Roof 1,700 5 $500- $1000 Deductible 850 12 Fiber-Cement Siding yes
1995 95,000 Composition Roof 1,240 2 $500 Deductible 380 10 Fiber-Cement Siding No
2007 285,000 Membrane Roof 3,580 5 > $10,000 Deductible 410 10 Brick siding No
1996 120,000 Tile Roof 1,280 2 $1000-$2500 Deductible 430 8 Stone Siding yes
1962 110,000 Tile Roof 1,450 3 $500 Deductible 640 12 Stone Siding No
1946 210,000 Shingles Roof 2,000 3 $500 Deductible 640 7 Brick siding No
1966 95,000 Tile Roof 1,270 3 $500- $1000 Deductible 70 2 Vinyl siding yes
2009 160,000 Slate Shingles Roof 2,080 5 $1000-$2500 Deductible 610 9 Fiber-Cement Siding yes
1978 80,000 Slate Shingles Roof 1,150 2 $500 Deductible 220 6 Wood siding No
1973 365,000 Asphalt Shingles Roof 4,080 5 $5000 to $10,000 Deductible 880 6 Vinyl siding No
1963 110,000 Wood Shake Roof 1,250 2 $1000-$2500 Deductible 370 8 Brick siding yes
1978 150,000 Tile Roof 1,990 3 $2500-$5000 Deductible 210 4 Vinyl siding No
1964 130,000 Wood Shake Roof 1,650 2 $500- $1000 Deductible 610 12 Wood siding yes
2007 250,000 Tile Roof 2,550 5 $2500-$5000 Deductible 940 10 Stucco siding yes
1961 85,000 Metal Roof 930 2 $1000-$2500 Deductible 320 9 Vinyl siding No
1989 160,000 Asphalt Shingles Roof 1,800 3 $1000-$2500 Deductible 430 10 Brick siding yes