Georgetown Insurance Rates:

Georgetown, KY homeowners insurance is roughly $667 to $907, about $55-$75/month. Our complete guide indicates shoppers can save upto $314 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

All State
Once i chose my home insurance coverage options, i emailed my agent to let him know. within 20 minutes he had activated my coverage and emailed me the necessary documents i needed for my policy.
All State
On the negative side, i believe that the people within all state who make the decisions in regards to paying a claim are not looking out for your best interest. in my own experience, they looked for any and every way to deny my claim.
Progressive Home Advantage
I like that progressive bundles my home insurance policy and auto insurance policy together. i save money on both policies that way.

Georgetown, KY Homeowners Insurance By Home Value

Georgetown, KY Home Value Total Homes % of Total Average Georgetown, KY Homeowners Insurance
Less than $50,000 507 5.0% $118
$50,000 to $59,999 148 1.0% $259
$60,000 to $69,999 165 1.0% $314
$70,000 to $79,999 188 2.0% $369
$80,000 to $89,999 229 2.0% $417
$90,000 to $99,999 351 3.0% $464
$100,000 to $124,999 1,110 12.0% $543
$125,000 to $149,999 1,655 18.0% $676
$150,000 to $174,999 1,438 16.0% $802
$175,000 to $199,999 850 9.0% $928
$200,000 to $249,999 990 11.0% $1117
$250,000 to $299,999 388 4.0% $1361
$300,000 to $399,999 836 9.0% $1731

Top Home Insurance Agents Near Georgetown, KY

Home Insurance Company Near Georgetown, KY Homeowners Insurance Agency Near Georgetown, KY Address
Travelers Chenault & Hoge Inc 326 SAINT CLAIR ST, FRANKFORT, KY, 40601
Travelers Greater Lexington Insurance Agency 1066 WELLINGTON WAY, LEXINGTON, KY, 40513
State Farm Jason Todd 711 Danville Ave, Stanford, KY, 40484
Liberty Mutual Jeffrey Creech Lutcf 3288 Eagle View Ln Ste 190, Lexington, KY, 40509
Allstate Randolph Scott Ins 1025 Dove Run Rd Ste 302, Lexington, KY, 40502

Cost Of Homeowners Insurance By Street Near Georgetown, KY

Streets in Georgetown Area Homeowners Insurance Cost
Felix St, Sioux Trl, Hemingway Ct, Quail Hollow Dr, Paris Pike, Lantern Trl, S Colonial Heights Dr, Sand Piper Ct, Crane Ct, Warrendale St$788
Shenandoah Trl E, Devin Dr, Oxford Village Ln, King Fisher Way, Paris Pike, Poplar St, Fordland Dr, Cumberland Dr, Man-O-War Ct, Opera Aly$783
Paul Revere Dr, Sea Pines Way, Hudson Dr, Barren River Blvd, Yarnallton Rd, Pine Tree Path, Baldwin Ter, Choctaw Trl, Wanda Lee Trl, S Hamilton St$762
Barkley Ln, Windsong Way, W Main St, Hyde Park Ln, Falmouth Dr, Skinnerburg Rd, Tanbark Dr, Ruffian Trl, Joshua Ln, Ute Trl$859
State Hwy 1962, E Showalter Dr, Glen Creek Rd, George Martin Ave, Alfred Dr, Peaceful Lndg, Mayflower Ct, Flinn Ct, Rolling Ridge Rd, Mason Ct$769

Georgetown, KY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Georgetown$117 to $120
Scott County$118
Midway$119
Lexington-Fayette Northwest$116

Georgetown, 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
Scott County, Kentucky $118 $157 $236
Midway CCD, Woodford County, Kentucky $119 $159 $239
Lexington-Fayette Northwest CCD, Fayette County, Kentucky $116 $155 $233

Georgetown, 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
Georgetown, KY5.2%20.4%
Scott County5.17%19.78%
Midway5.56%18.0%
Lexington-Fayette Northwest5.36%18.4%

Georgetown Renters Insurance as a Percentage of Rent

Georgetown Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 232 5.0% $334
$200 to $299 290 6.0% $784
$300 to $499 403 8.0% $1234
$500 to $749 1,567 34.0% $1909
$750 to $999 981 21.0% $2659
$1,000 to $1,499 938 20.0% $3784
$1,500 or more 74 1.0% $5434

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

Home value ($) Construction type Age of home Company premium ($)
150,000 Brick Veneer 19 years Foremost Insurance Company 0
125,000 Frame 29 years State Farm Fire And Casualty Company 924
250,000 Masonry 9 years Aegis Security Insurance Company 0
250,000 Masonry 9 years Allstate Property & Casualty Insurance Company 981
150,000 Brick Veneer 19 years Garrison Property And Casualty Insurance Company 574
250,000 Masonry 9 years Hartford Fire Insurance Company 907
125,000 Frame 29 years Kentucky National Insurance Company 377
125,000 Frame 29 years Motorists Mutual Insurance Company 806
125,000 Frame 29 years Rli Insurance Company 0
150,000 Brick Veneer 19 years West American Insurance Company 850

Georgetown, KY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,300$2,300
Yearly Georgetown Homeowner Insurance Premium Example $1,200$1,000
Out of Pocket Expense During Claim$1,300$2,300
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $10,900$10,300
Net Savings to Georgetown Home Owner from High Deductible Plan $600

Georgetown, KY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Georgetown, KY Home Replacement Value MORE than Home Value Georgetown, KY Home Replacement Value LESS than Home Value
Replacement Value $198,000 $123,500
Insurance Premium based on Replacement Value $1,050 $650
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $35,000 Risk Exposure from Under Insuring Coverage is $39,500
Premium Impact Insurance cheaper by $200/year Insurance costlier by $200/year

Example Georgetown Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceLiberty MutualAllstate
Monthly Premium 76104151
Year Built 198619962009
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 1 Baths
Coverage Amount $175000-$200000$200000-$250000$350000-$400000
Deductible $500- $1000 Deductible$500- $1000 Deductible$500- $1000 Deductible

Sample Home Insurance Rates for Georgetown, 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 285,000 Shingles Roof 2,670 5 $1000-$2500 Deductible 1370 12 Fiber-Cement Siding No
1981 280,000 Composition Roof 3,650 5 $1000-$2500 Deductible 80 1 Stone Siding No
2012 165,000 Shingles Roof 1,630 4 $500- $1000 Deductible 570 7 Fiber-Cement Siding yes
2009 195,000 Asphalt Shingles Roof 2,300 3 $2500-$5000 Deductible 70 1 Wood siding yes
2003 165,000 Metal Roof 2,130 3 $1000-$2500 Deductible 340 5 Wood siding yes
1984 225,000 Asphalt Shingles Roof 2,380 4 > $10,000 Deductible 130 3 Stucco siding yes
1996 250,000 Tile Roof 3,260 5 $1000-$2500 Deductible 390 5 Wood siding yes
1980 200,000 Metal Roof 2,130 3 $5000 to $10,000 Deductible 230 4 Fiber-Cement Siding yes
2010 225,000 Composition Roof 2,120 3 $1000-$2500 Deductible 80 1 Stucco siding yes
1988 155,000 Wood Shake Roof 1,830 4 $500- $1000 Deductible 710 12 Vinyl siding No
1999 245,000 Asphalt Shingles Roof 2,830 4 $1000-$2500 Deductible 580 8 Brick siding yes
1981 550,000 Wood Shake Roof 4,900 5 $500- $1000 Deductible 2880 12 Vinyl siding No
1986 230,000 Membrane Roof 2,300 5 $2500-$5000 Deductible 390 5 Fiber-Cement Siding No