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.

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Latest Home Insurance Reviews

Kentucky Farm Bureau
The 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 Mutual
Liberty has provided good quick service and affordable prices. I give them a 4 mainly because like other insurances, they raise prices every so often.
Allstate
Overall 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.
State Farm
I 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.
Allstate
I have to say that sometimes it feels impersonal but it is business after all. allstate bundles different insurances but it gets tricky.
State Farm
They 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.
Kentucky Farm Bureau
My 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 Insurance
I 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.
Progressive
I 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 Bureau
The 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.
Progressive
the 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

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
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

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

PlaceSavings 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

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Independence, KY4.7%15.2%
Kenton County4.97%15.19%
Ryland Heights5.14%16.47%
Edgewood4.4%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 DeductibleHigh 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 FarmFarmers InsuranceLiberty Mutual
Monthly Premium 485795
Year Built 200219972012
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths5 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

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