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.
| 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 |
| 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 |
| 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 | $121 |
| Home value ($) | 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 |