Independence, KY Home Insurance - Analysis On Quotes, Rates & Agents
Independence Insurance Rates:
Independence, KY homeowners insurance is about $666 to $904, about $55-$75/month. Our complete research reveals consumers can save as much as $314 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Latest Home Insurance Reviews
Kentucky Farm BureauMy insurance company has a good website. It is easy to use and get logged in. It is easy to find what I am looking for and I can easily pay my bills or look at my documents.
Erie InsuranceI have not had to file a claim yet for homeowners insurance. However, we have made changes to our policy and the representatives were very courteous and helpful.
ProgressiveI am very pleased with the premium because for the coverage amount that is a good rate. I had been shopping primarily for new car insurance but knew I would switch everything. I liked the people and the discounts provided were great too.
Kentucky Farm BureauThe premium thru KFB is lower than other companies I have compared and the deductible seems to be the standard. You can get anywhere from $500 - $1500 deductible.
Progressivethe good of the best services in insurance company of insurance.then good for best on the policy company.then other company will be compared one of the best company
Kentucky Farm BureauThe customer service at Kentucky Farm Bureau has been average, nothing going above and beyond. They can answer basic questions and then transfer you to your agent.
Liberty MutualLiberty has provided good quick service and affordable prices. I give them a 4 mainly because like other insurances, they raise prices every so often.
AllstateOverall my experience with Allstate has been pretty good. I haven't had any major issues and they are always responsive when I need to get in contact with some to ask a questions.
Erie InsuranceNo sure how it compares to other rates, but their rate seems very reasonable and we carry a very large amount of coverage. It helps to bundle with car insurance to take advantage of multi-policy discounts.
State FarmI really have not compared my insurance company with others. I chose this company because I have my auto insurance through them.
TravelersThe policy offerings have been decent, but in the wake of a damaging neighborhood storm, we found out that other companies paid out more money.
State FarmI like that i am able to bundle my homeowner's insurance with other policies (car, life, and underwriters for more expensive things). it makes it nice to be able to see all of the policies when i log in.
AllstateI have to say that sometimes it feels impersonal but it is business after all. allstate bundles different insurances but it gets tricky.
State FarmThey allow me to choose my own auto repair shop and are upfront about their policies. fast and friendly service regarding pricing and claims. they keep you updated regarding the entire claims process.
Independence, KY Homeowners Insurance By Home Value
| Independence, KY Home Value | Total Homes | % of Total | Average Independence, KY Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 438 | 3.0% | $125 |
| $70,000 to $79,999 | 178 | 1.0% | $376 |
| $80,000 to $89,999 | 225 | 1.0% | $423 |
| $90,000 to $99,999 | 347 | 3.0% | $478 |
| $100,000 to $124,999 | 1,946 | 17.0% | $557 |
| $125,000 to $149,999 | 2,239 | 19.0% | $690 |
| $150,000 to $174,999 | 1,947 | 17.0% | $816 |
| $175,000 to $199,999 | 1,205 | 10.0% | $949 |
| $200,000 to $249,999 | 1,419 | 12.0% | $1138 |
| $250,000 to $299,999 | 893 | 7.0% | $1389 |
| $300,000 to $399,999 | 515 | 4.0% | $1766 |
Top Home Insurance Agents Near Independence, KY
| Home Insurance Company Near Independence, KY | Homeowners Insurance Agency Near Independence, KY | Address |
|---|---|---|
| Allstate | Tonya Sharp Staten | 2091 N Bend Rd Ste 140, Hebron, KY, 41048 |
| Nationwide | Woods Agency Inc | 8075 Cincinnati Dayton Rd, West Chester, OH, 45069-2003 |
| State Farm | Courtenay Bythewood | 9110 Montgomery Rd, Cincinnati, OH, 45242-7748 |
| Liberty Mutual Independent | Neal & Martin Insurance Agency Inc | 536 W CENTRAL AVE, SPRINGBORO, OH, 45066 |
| Nationwide | Roth & Reynolds Ins & Financial Services Inc | 3968 Montgomery Road, Cincinnati, OH, 45212 |
Independence, KY Home Insurance Agents for Top Companies
Cost Of Homeowners Insurance By Street Near Independence, KY
| Streets in Independence Area | Homeowners Insurance Cost |
|---|---|
| Pembroke Dr, Sherwood Dr, Deerwalk Ct, Rusconi Dr, Whitetail Cir, Feiser Rd, Rockdale Ln, Rebecca Way, Brady Ct, Sandy Ct | $772 |
| Fowler Creek Rd, Friar Tuck Dr, Progress Dr, Millhouse Blvd, State Hwy 1486, McHugh Dr, State Hwy 2045, Wedgewood Dr, Ryland Lakes Dr, Whites Rd | $791 |
| Wilson Rd, Canberra Dr, Fairway Ct, Knollwood Ln, Wilson Rd, Daybreak Ct, Shenandoah Ct, Maple Tree Pl, McHugh Dr, Edwin St | $799 |
| Klette Rd, Winbourne Ct, Bottomwood Dr, Commanche Trl, Friar Tuck, Falcon Ridge Dr, Saddlebred Ct, Soldier Trl, St Matthews Cir, Lily Dr | $773 |
| Hobart Ct, Fremont Dr, Autumn Rd, Twin Lakes Dr, Marshall, Cox Rd, Berlander Dr, Mackay Ct, Ash Grove Ct, Kelsey Dr | $804 |
Independence, KY Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Independence | $117 to $120 |
| Kenton County | $117 |
| Ryland Heights | $115 |
| Edgewood | $121 |
Independence, 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 |
|---|---|---|---|
| Kenton County, Kentucky | $98 | $130 | $195 |
| Ryland Heights city, Kentucky | $96 | $128 | $192 |
| Edgewood city, Kentucky | $101 | $135 | $202 |
Independence, 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 |
|---|---|---|
| Independence, KY | 4.7% | 15.2% |
| Kenton County | 4.97% | 15.19% |
| Ryland Heights | 5.14% | 16.47% |
| Edgewood | 4.4% | 13.35% |
Independence Renters Insurance as a Percentage of Rent
| Independence Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $300 to $499 | 202 | 9.0% | $1235 |
| $500 to $749 | 515 | 24.0% | $1910 |
| $750 to $999 | 559 | 26.0% | $2660 |
| $1,000 to $1,499 | 670 | 31.0% | $3785 |
| $1,500 or more | 158 | 7.0% | $5435 |
Average Cost Of Home Insurance By Company In Areas Nearby Independence For Different Scenarios
| Home value ($) | Construction type | Age of home | Company | premium ($) |
|---|---|---|---|---|
| 125,000 | Frame | 29 years | Empire Fire And Marine Insurance Company | 632 |
| 250,000 | Masonry | 9 years | Hartford Insurance Company Of The Midwest | 2,166 |
| 125,000 | Frame | 29 years | Markel American Insurance Company | 0 |
| 150,000 | Brick Veneer | 19 years | Aegis Security Insurance Company | 0 |
| 150,000 | Brick Veneer | 19 years | Aioi Nissay Dowa Insurance Company Of America | 855 |
| 250,000 | Masonry | 9 years | American Bankers Insurance Company Of Florida | 3,323 |
| 150,000 | Brick Veneer | 19 years | Auto-Owners Insurance Company | 1,177 |
| 125,000 | Frame | 29 years | First Liberty Insurance Corporation (The) | 1,366 |
| 250,000 | Masonry | 9 years | Grange Mutual Casualty Company | 1,740 |
| 125,000 | Frame | 29 years | Shelter Mutual Insurance Company | 937 |
Independence, KY Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,300 | $3,300 |
| Yearly Independence Homeowner Insurance Premium Example | $2,100 | $1,600 |
| Out of Pocket Expense During Claim | $1,300 | $3,300 |
| Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim | $11,800 | $11,300 |
| Net Savings to Independence Home Owner from High Deductible Plan | $500 | |
Independence, KY Home Insurance Costs With Home Replacement Value Scenarios
| Scenario | Independence, KY Home Replacement Value MORE than Home Value | Independence, KY Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $167,500 | $97,000 |
| Insurance Premium based on Replacement Value | $725 | $425 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $41,500 | Risk Exposure from Under Insuring Coverage is $29,000 |
| Premium Impact | Insurance cheaper by $125/year | Insurance costlier by $175/year |
Example Independence Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| Insurance Company | State Farm | Farmers Insurance | Liberty Mutual |
| Monthly Premium | 48 | 57 | 95 |
| Year Built | 2002 | 1997 | 2012 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 2 Baths | 5 Beds, 4 Baths |
| Coverage Amount | $175000-$200000 | $175000-$200000 | $200000-$250000 |
| Deductible | $5000 to $10,000 Deductible | $500- $1000 Deductible | $1000-$2500 Deductible |
Sample Home Insurance Rates for Independence, KY from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 2000 | 210,000 | Wood Shake Roof | 2,340 | 5 | $2500-$5000 Deductible | 190 | 3 | Wood siding | No |
| 1987 | 200,000 | Slate Shingles Roof | 2,020 | 5 | $500- $1000 Deductible | 1210 | 12 | Stucco siding | yes |
| 1995 | 190,000 | Membrane Roof | 2,480 | 5 | $500- $1000 Deductible | 650 | 10 | Wood siding | yes |
| 2012 | 515,000 | Wood Shake Roof | 4,610 | 5 | > $10,000 Deductible | 1190 | 10 | Fiber-Cement Siding | No |
| 1995 | 450,000 | Asphalt Shingles Roof | 4,070 | 5 | $2500-$5000 Deductible | 1090 | 9 | Wood siding | No |
| 1989 | 130,000 | Shingles Roof | 1,490 | 3 | $500- $1000 Deductible | 410 | 9 | Stucco siding | No |
| 1986 | 160,000 | Shingles Roof | 1,760 | 3 | $500 Deductible | 120 | 2 | Fiber-Cement Siding | No |
| 2012 | 140,000 | Slate Shingles Roof | 1,780 | 3 | $500 Deductible | 240 | 4 | Vinyl siding | yes |
| 2003 | 135,000 | Tile Roof | 1,240 | 3 | $1000-$2500 Deductible | 240 | 4 | Stucco siding | yes |
| 2014 | 435,000 | Tile Roof | 3,880 | 5 | $5000 to $10,000 Deductible | 1070 | 9 | Vinyl siding | yes |
| 2014 | 185,000 | Membrane Roof | 2,230 | 5 | $5000 to $10,000 Deductible | 50 | 1 | Fiber-Cement Siding | No |
| 2014 | 140,000 | Composition Roof | 1,860 | 4 | $500 Deductible | 620 | 12 | Wood siding | yes |
| 1988 | 310,000 | Wood Shake Roof | 3,670 | 5 | $5000 to $10,000 Deductible | 420 | 6 | Stone Siding | No |
| 1996 | 180,000 | Slate Shingles Roof | 1,880 | 3 | $5000 to $10,000 Deductible | 340 | 7 | Stucco siding | yes |
| 1987 | 130,000 | Membrane Roof | 1,270 | 3 | $500 Deductible | 450 | 9 | Stucco siding | No |
| 1997 | 115,000 | Asphalt Shingles Roof | 1,290 | 3 | $500- $1000 Deductible | 480 | 8 | Wood siding | yes |
| 1999 | 180,000 | Tile Roof | 1,590 | 3 | $500 Deductible | 350 | 6 | Stucco siding | yes |
| 1994 | 175,000 | Shingles Roof | 1,990 | 5 | $5000 to $10,000 Deductible | 50 | 1 | Stucco siding | No |
| 2012 | 165,000 | Wood Shake Roof | 2,010 | 3 | $1000-$2500 Deductible | 400 | 10 | Stucco siding | No |
| 1994 | 275,000 | Tile Roof | 2,550 | 5 | > $10,000 Deductible | 140 | 2 | Stucco siding | yes |
| 2003 | 125,000 | Slate Shingles Roof | 1,390 | 3 | $500 Deductible | 40 | 1 | Stone Siding | yes |
| 1988 | 285,000 | Membrane Roof | 2,920 | 4 | $500 Deductible | 300 | 3 | Wood siding | No |
| 2010 | 240,000 | Metal Roof | 2,800 | 4 | $500 Deductible | 360 | 4 | Stone Siding | yes |
| 1991 | 190,000 | Membrane Roof | 1,760 | 3 | $500- $1000 Deductible | 300 | 4 | Fiber-Cement Siding | yes |
| 1992 | 285,000 | Membrane Roof | 2,780 | 4 | $500 Deductible | 1040 | 8 | Stucco siding | No |
| 1998 | 165,000 | Membrane Roof | 1,510 | 5 | $5000 to $10,000 Deductible | 40 | 1 | Brick siding | yes |
| 2006 | 475,000 | Metal Roof | 4,470 | 5 | $2500-$5000 Deductible | 770 | 6 | Fiber-Cement Siding | No |
| 2009 | 390,000 | Shingles Roof | 4,850 | 5 | $5000 to $10,000 Deductible | 900 | 9 | Brick siding | No |
| 2009 | 180,000 | Composition Roof | 2,360 | 3 | $1000-$2500 Deductible | 220 | 4 | Fiber-Cement Siding | yes |
| 1985 | 270,000 | Slate Shingles Roof | 3,230 | 4 | $500- $1000 Deductible | 480 | 7 | Vinyl siding | yes |
| 2002 | 150,000 | Metal Roof | 1,680 | 3 | $500 Deductible | 230 | 4 | Fiber-Cement Siding | No |
| 2008 | 215,000 | Metal Roof | 2,270 | 4 | $500 Deductible | 240 | 3 | Fiber-Cement Siding | No |
| 1996 | 145,000 | Composition Roof | 1,610 | 4 | $500- $1000 Deductible | 220 | 4 | Brick siding | yes |
| 2007 | 205,000 | Slate Shingles Roof | 2,020 | 4 | $500- $1000 Deductible | 360 | 4 | Brick siding | yes |