Lancaster Insurance Rates:

Lancaster, KY homeowners insurance is about $635 to $876, about $52-$73/month. Our exhaustive guide shows customers can save upto $302 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Lancaster, KY Homeowners Insurance By Home Value

Lancaster, KY Home Value Total Homes % of Total Average Lancaster, KY Homeowners Insurance
Less than $50,000 207 10.0% $181
$50,000 to $59,999 112 5.0% $385
$60,000 to $69,999 170 8.0% $475
$70,000 to $79,999 144 7.0% $551
$80,000 to $89,999 189 9.0% $626
$90,000 to $99,999 200 9.0% $702
$100,000 to $124,999 203 10.0% $815
$125,000 to $149,999 169 8.0% $1019
$150,000 to $174,999 260 12.0% $1200
$175,000 to $199,999 65 3.0% $1389
$200,000 to $249,999 147 7.0% $1668
$250,000 to $299,999 146 7.0% $2038

Top Home Insurance Agents Near Lancaster, KY

Home Insurance Company Near Lancaster, KY Homeowners Insurance Agency Near Lancaster, KY Address
State Farm Joe Massengale 213 Saint George St, Richmond, KY, 40475-2323
State Farm Mark Reed Jr 1074 Wellington Way, Lexington, KY, 40513-1200
State Farm Roger Baker 269 Regency Circle, Lexington, KY, 40503-2352
NA Rightmyer Insurance Agency 129 N 4Th St, Danville, KY, 40422
Liberty Mutual Independent Craig & Hall Ins Agcy Inc 158 E MAIN ST, GEORGETOWN, KY, 40324

Cost Of Homeowners Insurance By Street Near Lancaster, KY

Streets in Lancaster Area Homeowners Insurance Cost
Daly Ct, Back Creek Rd, Jack Turner Branch Rd, Windy Ridge Dr, Pin Oak Rd, Industry Rd, Longview Ct, Haseldon Hts, Herbert Grubbs Rd, Dan Turner Ave$759
McNulty Ln, Gooch Pike, Hillcrest Ave, Cs-1040, Hubert Layton Rd, Bethel Rd, Jr Long Rd, Perry Rogers Rd, Cr-1011, Cathole Bend Rd$750
Ledford Ln, Maplewood Dr, Old Railroad Grade Rd, Cardinal Dr, Dan Noel Rd, N Campbell St, Hales Haven Rd, Wildlife Way, Eastland Acres, Davis Ave$754
Stanford Rd, Jaycees Park Rd, Old Danville Rd, Richmond Road Loop 2, Cr-1005, Ridgeway Ln, Cs-1054, S Campbell St, Dickerson Ct, Woodland Ave$750
W Buford St, Orchard Way, Richmond Road Loop 1, Cs-1066, Scotts Fork Rd, Sad Rd, State Hwy 52, Twin Lakes Dr, Doc Walker Ln, Ross Rd$757

Lancaster, KY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Lancaster$112 to $114
Garrard County$114
Bryantsville$117
Paint Lick$111

Lancaster, 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
Garrard County, Kentucky $95 $127 $190
Bryantsville CCD, Garrard County, Kentucky $98 $130 $195
Paint Lick CCD, Garrard County, Kentucky $93 $124 $186

Lancaster, 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
Lancaster, KY6.5%18.5%
Garrard County6.06%18.01%
Bryantsville5.44%16.54%
Paint Lick7.13%18.29%

Lancaster Renters Insurance as a Percentage of Rent

Lancaster Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 31 4.0% $351
$200 to $299 94 12.0% $801
$300 to $499 186 24.0% $1251
$500 to $749 392 50.0% $1926
$750 to $999 71 9.0% $2676

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

Home value ($) Construction type Age of home Company premium ($)
150,000 Brick Veneer 19 years American Commerce Insurance Company 548
150,000 Brick Veneer 19 years Bankers Standard Insurance Company 1,033
125,000 Frame 29 years Garrison Property And Casualty Insurance Company 535
150,000 Brick Veneer 19 years Kentucky National Insurance Company 376
150,000 Brick Veneer 19 years Underwriters At Lloyd's London 0
150,000 Brick Veneer 19 years Aig Property Casualty Company 566
250,000 Masonry 9 years American Modern Home Insurance Company 216
250,000 Masonry 9 years California Casualty General Insurance Company Of Oregon 1,051
125,000 Frame 29 years Secura Insurance A Mutual Company 658
150,000 Brick Veneer 19 years Standard Fire Insurance Company (The) 590

Lancaster, KY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,500$3,500
Yearly Lancaster Homeowner Insurance Premium Example $1,300$900
Out of Pocket Expense During Claim$1,500$3,500
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $11,900$10,700
Net Savings to Lancaster Home Owner from High Deductible Plan $1,200

Lancaster, KY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Lancaster, KY Home Replacement Value MORE than Home Value Lancaster, KY Home Replacement Value LESS than Home Value
Replacement Value $129,500 $86,000
Insurance Premium based on Replacement Value $750 $500
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $23,000 Risk Exposure from Under Insuring Coverage is $20,500
Premium Impact Insurance cheaper by $125/year Insurance costlier by $125/year

Example Lancaster Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmChubb Group of InsuranceAmica Mutual Insurance Company
Monthly Premium 544474
Year Built 200319831942
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 2 Baths
Coverage Amount $100000-$125000$100000-$125000$175000-$200000
Deductible $500 Deductible$1000-$2500 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1997 250,000 Composition Roof 4,260 5 $500- $1000 Deductible 100 1 Stone Siding yes
1948 220,000 Metal Roof 2,600 4 $500- $1000 Deductible 440 6 Fiber-Cement Siding yes
1941 115,000 Shingles Roof 1,630 3 $2500-$5000 Deductible 250 7 Stucco siding No
1976 160,000 Metal Roof 1,900 3 $5000 to $10,000 Deductible 120 3 Brick siding yes
1992 190,000 Wood Shake Roof 3,290 4 $500 Deductible 800 12 Stone Siding yes
1962 340,000 Membrane Roof 4,960 5 $5000 to $10,000 Deductible 320 4 Stucco siding No
1994 220,000 Shingles Roof 3,130 4 $1000-$2500 Deductible 60 1 Vinyl siding No
1995 220,000 Asphalt Shingles Roof 3,710 5 $500 Deductible 250 3 Vinyl siding No
1965 270,000 Composition Roof 3,160 5 $1000-$2500 Deductible 1140 9 Stone Siding No
1963 130,000 Metal Roof 1,810 3 $500- $1000 Deductible 740 12 Brick siding No
1949 145,000 Shingles Roof 2,520 4 $500- $1000 Deductible 230 4 Wood siding No
1967 220,000 Asphalt Shingles Roof 3,120 4 $5000 to $10,000 Deductible 260 5 Fiber-Cement Siding yes
1989 125,000 Metal Roof 1,830 5 $500 Deductible 220 4 Fiber-Cement Siding No
1983 155,000 Tile Roof 2,500 5 $500 Deductible 520 10 Wood siding yes
2007 265,000 Shingles Roof 4,560 5 $2500-$5000 Deductible 790 10 Stone Siding yes
1947 345,000 Slate Shingles Roof 4,150 5 $1000-$2500 Deductible 1560 12 Fiber-Cement Siding yes
1994 275,000 Metal Roof 3,790 5 $5000 to $10,000 Deductible 530 7 Stucco siding yes
2008 220,000 Metal Roof 2,760 5 $500- $1000 Deductible 1000 10 Stone Siding No
1969 155,000 Metal Roof 2,440 5 $500- $1000 Deductible 420 6 Vinyl siding yes
1974 125,000 Metal Roof 2,020 3 $500 Deductible 600 10 Vinyl siding No
1976 175,000 Wood Shake Roof 2,290 3 $500- $1000 Deductible 300 4 Stucco siding No
1944 200,000 Metal Roof 2,690 4 $500 Deductible 910 10 Stucco siding yes
1998 145,000 Membrane Roof 2,350 3 $1000-$2500 Deductible 270 4 Stone Siding yes
1989 145,000 Asphalt Shingles Roof 2,040 4 $500 Deductible 150 3 Vinyl siding No
1940 200,000 Tile Roof 2,360 3 $500 Deductible 250 3 Stone Siding yes
2001 170,000 Wood Shake Roof 2,150 4 $5000 to $10,000 Deductible 30 1 Stone Siding No
1940 145,000 Tile Roof 2,320 3 $2500-$5000 Deductible 40 1 Fiber-Cement Siding No
2002 365,000 Metal Roof 4,760 5 $500 Deductible 430 3 Fiber-Cement Siding yes
2004 130,000 Composition Roof 2,040 3 $500- $1000 Deductible 170 3 Brick siding No
1961 120,000 Metal Roof 1,900 4 $2500-$5000 Deductible 30 1 Vinyl siding yes
1945 185,000 Wood Shake Roof 2,430 5 $1000-$2500 Deductible 290 4 Fiber-Cement Siding No
1971 100,000 Composition Roof 1,650 5 $500- $1000 Deductible 280 9 Wood siding yes