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.
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 |
Home Insurance Company Near Independence, KY | Homeowners Insurance Agency Near Independence, KY | Address |
---|---|---|
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 |
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 |
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 |
Place | Savings For Senior Occupied Homes |
---|---|
Independence | $117 to $120 |
Kenton County | $117 |
Ryland Heights | $115 |
Edgewood | $121 |
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 |
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 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% | $5435 |
Home value ($) | 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 |
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 |
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 |
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 |
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 |