La Grange Insurance Rates:

La Grange, KY homeowners insurance is roughly $688 to $941, about $57-$78/month. Our detailed analysis reveals consumers can save upto $326 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Nationwide
At times i have felt that they were getting my mail mixed up and sending it to my old address and this problem literally just recently got fixed
Allstate
The payments are reasonable for the amount of coverage. when we have had to file a claim, the premium has not gone through the roof.
Kentucky Farm Bureau
Their premiums are almost always higher than other insurance providers. if you only have one policy with them, then you do not receive discounts that others receive.
State Farm
I think it's about average. When I talk to others they say there is about the same. I think for what it would cost to replace my home it's a fair price.
State Farm
I always receive notices in the mail about policy changes or changes to my premium. If I have a question I am always able to pick up the phone and speak to someone immediately.
Geico
We are satisfied because we have not had to file any claims or encountered any problems. When we moved residences they were very helpful and quick to get our coverage ready for us with minimal tasks to complete. They are always friendly and accommodating.
State Farm
The customer service is very friendly and knowledgeable about what they're doing. They easily solve all my problems without any stress and make me feel appreciated as a customer.

La Grange, KY Homeowners Insurance By Home Value

La Grange, KY Home Value Total Homes % of Total Average La Grange, KY Homeowners Insurance
Less than $50,000 290 6.0% $89
$60,000 to $69,999 49 1.0% $252
$70,000 to $79,999 79 1.0% $285
$80,000 to $89,999 192 3.0% $326
$90,000 to $99,999 173 3.0% $366
$100,000 to $124,999 272 5.0% $423
$125,000 to $149,999 482 9.0% $529
$150,000 to $174,999 512 10.0% $627
$175,000 to $199,999 535 11.0% $725
$200,000 to $249,999 853 17.0% $880
$250,000 to $299,999 665 13.0% $1075
$300,000 to $399,999 720 14.0% $1361

Top Home Insurance Agents Near La Grange, KY

Home Insurance Company Near La Grange, KY Homeowners Insurance Agency Near La Grange, KY Address
NA Loy & Fordyce Agcy Inc. 190 West Becks Mill Rd 190 West Becks Mill Rd Salem, Salem, IN, 47167
Allstate Bryan Fallon 6003 Pleasant Colony Ct Ste 5, Crestwood, KY, 40014
Erie Estheimer Insurance 1585 Clifty Drive, Madison, IN, 47250
Nationwide Hugh Gillaspie Ins Agncy Inc 812 Lyndon Ln STE 207, Louisville, KY, 40222-3836
State Farm Naomi Stevens 8811 Old Third Street Rd, Louisville, KY, 40272-2353

Cost Of Homeowners Insurance By Street Near La Grange, KY

Streets in La Grange Area Homeowners Insurance Cost
Cherry Blossom Ct, Old Westport Rd, Brittany Ln, Maplecrest Dr, S 1st St, Marian Way, N 3rd Ave, Parker Dr, 18 Mile Church Rd, State Hwy 2857$822
Elder Park Rd, Spann Ln, Old Field, Husband Rd, Redbud Ct, E Main St, Indigo Pl, Waterworks Rd, Tina Ct, W Jefferson St$779
Eighteenmile Church Road Y, Lilac Rd, Briarwood Rd, Cherry Ridge Run, Franklin Ave, W Crystal Dr, Ballard Ct, Yager Ave, W Adams St, Foxboro Rd$781
Jefferson Rd, Quail Ridge Dr, W State Hwy 524, Home Way, Hunters Trce, N Walnut Ave, Clarke Point Ct, Daverman Dr, Blue Grass Dr, Saddlers Mill Rd$785
Washington Cir, Dusty Star Dr, Hanna Rd, Sugarmaple Dr, Lesprit Pkwy, Cissell Ln, Three Lakes Rd, Caldwell Ln, N Ridge Cir, Jane St$861

La Grange, KY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
La Grange$121 to $123
Oldham County$124
Buckner$130
Westport$125

La Grange, 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
Oldham County, Kentucky $125 $166 $249
Buckner CDP, Kentucky $131 $174 $261
Westport CDP, Kentucky $125 $166 $249

La Grange, 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
La Grange, KY4.4%15.9%
Oldham County3.98%14.46%
Buckner3.64%11.96%
Westport3.16%12.73%

La Grange Renters Insurance as a Percentage of Rent

La Grange Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 88 5.0% $770
$300 to $499 246 15.0% $1220
$500 to $749 546 33.0% $1895
$750 to $999 427 26.0% $2645
$1,000 to $1,499 210 12.0% $3770
$1,500 or more 104 6.0% $5420

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

Home value ($) Construction type Age of home Company premium ($)
125,000 Frame 29 years American Fire And Casualty Company 971
250,000 Masonry 9 years Anchor Specialty Insurance Company 0
125,000 Frame 29 years Associated Indemnity Corporation 1,332
250,000 Masonry 9 years Associated Indemnity Corporation 1,255
250,000 Masonry 9 years Crestbrook Insurance Company 618
150,000 Brick Veneer 19 years Standard Guaranty Insurance Company 1,807
150,000 Brick Veneer 19 years Underwriters At Lloyd's London 0
250,000 Masonry 9 years American Automobile Insurance Company 1,091
150,000 Brick Veneer 19 years Armed Forces Insurance Exchange 974
125,000 Frame 29 years Travelers Commercial Insurance Company 572

La Grange, KY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,800$2,800
Yearly La Grange Homeowner Insurance Premium Example $900$700
Out of Pocket Expense During Claim$1,800$2,800
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $9,000$8,400
Net Savings to La Grange Home Owner from High Deductible Plan $600

La Grange, KY Home Insurance Costs With Home Replacement Value Scenarios

Scenario La Grange, KY Home Replacement Value MORE than Home Value La Grange, KY Home Replacement Value LESS than Home Value
Replacement Value $258,500 $176,000
Insurance Premium based on Replacement Value $1,525 $1,050
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $47,000 Risk Exposure from Under Insuring Coverage is $35,500
Premium Impact Insurance cheaper by $200/year Insurance costlier by $275/year

Example La Grange Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyAllstateTravelers
Monthly Premium 788959
Year Built 199120142008
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths5 Beds, 3 Baths
Coverage Amount $175000-$200000$250000-$300000$200000-$250000
Deductible $1000-$2500 Deductible$1000-$2500 Deductible$5000 to $10,000 Deductible

Sample Home Insurance Rates for La Grange, KY from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2012 405,000 Membrane Roof 3,150 4 $500- $1000 Deductible 320 2 Stucco siding yes
1991 255,000 Wood Shake Roof 1,890 3 $5000 to $10,000 Deductible 440 7 Brick siding No
2001 340,000 Membrane Roof 2,610 5 $1000-$2500 Deductible 110 1 Stone Siding No
1987 155,000 Slate Shingles Roof 1,610 4 $1000-$2500 Deductible 190 4 Vinyl siding No
2013 220,000 Wood Shake Roof 1,980 4 $1000-$2500 Deductible 150 2 Stucco siding No
1985 250,000 Tile Roof 2,650 5 $5000 to $10,000 Deductible 510 10 Stucco siding No
1988 280,000 Slate Shingles Roof 2,820 4 $500 Deductible 230 2 Stucco siding No
2010 240,000 Metal Roof 2,390 3 $5000 to $10,000 Deductible 660 10 Brick siding yes
1980 130,000 Composition Roof 1,220 3 $500- $1000 Deductible 200 4 Vinyl siding No
2011 195,000 Asphalt Shingles Roof 1,790 3 $2500-$5000 Deductible 480 8 Fiber-Cement Siding No
1981 395,000 Composition Roof 3,280 4 $500 Deductible 1080 6 Fiber-Cement Siding yes
1989 280,000 Wood Shake Roof 2,980 4 $1000-$2500 Deductible 140 1 Stone Siding yes
1990 185,000 Shingles Roof 1,340 3 $500 Deductible 530 5 Wood siding yes
1983 320,000 Tile Roof 3,170 5 > $10,000 Deductible 440 6 Stone Siding No
1981 220,000 Asphalt Shingles Roof 1,800 4 > $10,000 Deductible 410 9 Stucco siding No
2002 280,000 Shingles Roof 2,060 3 $500 Deductible 230 3 Vinyl siding yes
2001 255,000 Asphalt Shingles Roof 2,140 3 > $10,000 Deductible 280 6 Fiber-Cement Siding No
1983 405,000 Metal Roof 3,400 5 $5000 to $10,000 Deductible 970 8 Stone Siding yes
1993 445,000 Metal Roof 3,770 5 > $10,000 Deductible 760 6 Brick siding yes
1983 390,000 Asphalt Shingles Roof 3,260 5 $500- $1000 Deductible 190 1 Fiber-Cement Siding No
1993 205,000 Slate Shingles Roof 1,660 4 $1000-$2500 Deductible 640 9 Vinyl siding No
2010 545,000 Membrane Roof 4,360 5 $500- $1000 Deductible 780 4 Vinyl siding No
1991 225,000 Wood Shake Roof 2,390 4 $2500-$5000 Deductible 420 5 Vinyl siding yes
2009 360,000 Metal Roof 2,930 4 $500- $1000 Deductible 980 6 Stone Siding yes
1991 165,000 Slate Shingles Roof 1,460 3 $2500-$5000 Deductible 360 7 Wood siding yes
2005 360,000 Slate Shingles Roof 2,990 5 $500 Deductible 1280 6 Stucco siding yes
2001 215,000 Composition Roof 1,790 3 > $10,000 Deductible 370 10 Brick siding No
2006 335,000 Tile Roof 3,220 5 $5000 to $10,000 Deductible 270 3 Vinyl siding No
1983 465,000 Metal Roof 4,340 5 $1000-$2500 Deductible 1020 7 Fiber-Cement Siding yes
2009 170,000 Shingles Roof 1,800 4 $1000-$2500 Deductible 120 2 Fiber-Cement Siding yes
1983 290,000 Shingles Roof 2,280 3 $1000-$2500 Deductible 100 1 Wood siding No
2014 250,000 Metal Roof 2,190 4 > $10,000 Deductible 440 7 Stone Siding No
1983 265,000 Wood Shake Roof 1,940 3 > $10,000 Deductible 310 5 Stucco siding yes
2013 235,000 Composition Roof 2,490 4 $500- $1000 Deductible 860 9 Brick siding No