Liberty Insurance Rates:

Liberty, KY homeowners insurance is approximately $626 to $858, about $52-$71/month. Our comprehensive guide indicates shoppers can save as much as $297 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Liberty, KY Homeowners Insurance By Home Value

Liberty, KY Home Value Total Homes % of Total Average Liberty, KY Homeowners Insurance
Less than $50,000 553 33.0% $230
$50,000 to $59,999 97 5.0% $490
$60,000 to $69,999 92 5.0% $609
$70,000 to $79,999 128 7.0% $705
$80,000 to $89,999 137 8.0% $802
$90,000 to $99,999 126 7.0% $891
$100,000 to $124,999 106 6.0% $1032
$125,000 to $149,999 116 7.0% $1292
$150,000 to $174,999 116 7.0% $1530
$175,000 to $199,999 86 5.0% $1768
$250,000 to $299,999 37 2.0% $2600
$300,000 to $399,999 33 2.0% $3306

Top Home Insurance Agents Near Liberty, KY

Home Insurance Company Near Liberty, KY Homeowners Insurance Agency Near Liberty, KY Address
NA Glass & Thompson Ins Agy 1006 W Stockton St, Edmonton, KY, 42129
Nationwide Alan K Hatfield Inc. 136 Big Hill Ave, Richmond, KY, 40475
Travelers First Insurance Group 2520 S Highway 27, Somerset, KY, 42501
Travelers Larue Insurance Inc 1297 Springfield Rd, Bardstown, KY, 40004
Liberty Mutual Independent Reed Brothers 134 PUBLIC SQ, COLUMBIA, KY, 42728

Cost Of Homeowners Insurance By Street Near Liberty, KY

Streets in Liberty Area Homeowners Insurance Cost
Combs Rd, Trace Fork Rd, State Hwy 3771, Rouse Branch Rd, N Wallace Wilkinson Blvd, Cr-1504, River View Dr, Jonathan Fork Rd, Shucks Creek Rd, Nubbin Ridge Rd$739
W State Hwy 70, Antioch Rd, Taylor Rd, N US Hwy 127, Cr-1233, Poplar Springs Rd, Lower Brush Creek Rd, Weddle Dr, Petty John St, State Hwy 1547$746
Crocket Rd, Phillips Rd, John Terry Rd, Randolph St, Beldon Ave, Moxley Rd, Old Water Plant Rd, Robin Dr, Wall St, Hoskins St$738
Gritton St, Westwood Dr, Sandusky St, Cleary Rd, State Hwy 2313, Green St, Broughton Hill Dr, Dry Ridge Rd, Noe Rd, Allen St$739
Popplewell St, Dewey Miller, Overstreet Rd, Gosser St, State Hwy 501, S US Hwy 127, Bowman Trl, College St, Estelle Ln, Cravens Hollow Rd$741

Liberty, KY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Liberty$110 to $112
Casey County$111
Dividing Ridge$109
Casey Creek$110

Liberty, 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
Casey County, Kentucky $111 $148 $222
Middleburg CCD, Casey County, Kentucky $111 $148 $222
Clementsville CCD, Casey County, Kentucky $111 $148 $222

Liberty, 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
Liberty, KY7.6%21.1%
Casey County7.42%23.3%
Middleburg7.44%20.2%
Clementsville7.64%26.02%

Liberty Renters Insurance as a Percentage of Rent

Liberty Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 29 5.0% $357
$200 to $299 50 8.0% $807
$300 to $499 271 48.0% $1257
$500 to $749 188 33.0% $1932
$750 to $999 21 3.0% $2682

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

Home value ($) Construction type Age of home Company premium ($)
125,000 Frame 29 years American Bankers Insurance Company Of Florida 2,019
125,000 Frame 29 years American National Property And Casualty Company 955
125,000 Frame 29 years Grange Mutual Casualty Company 1,424
125,000 Frame 29 years Praetorian Insurance Company 1,310
125,000 Frame 29 years Aioi Nissay Dowa Insurance Company Of America 746
125,000 Frame 29 years Anchor Specialty Insurance Company 0
125,000 Frame 29 years Associated Indemnity Corporation 1,451
125,000 Frame 29 years Federal Insurance Company 1,124
125,000 Frame 29 years Ohio Casualty Insurance Company 1,382
150,000 Brick Veneer 19 years Underwriters At Lloyd's London 0

Liberty, KY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$800$1,800
Yearly Liberty Homeowner Insurance Premium Example $500$300
Out of Pocket Expense During Claim$800$1,800
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $4,800$4,200
Net Savings to Liberty Home Owner from High Deductible Plan $600

Liberty, KY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Liberty, KY Home Replacement Value MORE than Home Value Liberty, KY Home Replacement Value LESS than Home Value
Replacement Value $96,000 $63,500
Insurance Premium based on Replacement Value $550 $375
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $15,000 Risk Exposure from Under Insuring Coverage is $17,500
Premium Impact Insurance cheaper by $100/year Insurance costlier by $75/year

Example Liberty Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmAmica Mutual Insurance CompanyErie Insurance
Monthly Premium 539385
Year Built 197919632012
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 1 Baths
Coverage Amount $150000-$175000$200000-$250000$250000-$300000
Deductible $500- $1000 Deductible$1000-$2500 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1964 95,000 Shingles Roof 1,870 4 $500- $1000 Deductible 200 4 Wood siding yes
1974 115,000 Asphalt Shingles Roof 2,140 5 $2500-$5000 Deductible 360 10 Vinyl siding No
1995 145,000 Tile Roof 2,100 3 $1000-$2500 Deductible 220 4 Stone Siding No
1968 100,000 Tile Roof 1,720 3 $2500-$5000 Deductible 170 5 Stucco siding No
2013 145,000 Metal Roof 2,140 4 $1000-$2500 Deductible 190 3 Brick siding No
1962 105,000 Membrane Roof 2,060 4 $1000-$2500 Deductible 190 5 Fiber-Cement Siding yes
2013 240,000 Tile Roof 3,960 5 > $10,000 Deductible 50 1 Wood siding No
1946 95,000 Asphalt Shingles Roof 1,740 4 $2500-$5000 Deductible 30 1 Brick siding yes
2013 210,000 Metal Roof 3,620 5 $500 Deductible 290 3 Stone Siding yes
1971 330,000 Tile Roof 4,590 5 > $10,000 Deductible 200 2 Vinyl siding yes
2011 250,000 Tile Roof 3,490 5 $1000-$2500 Deductible 360 4 Fiber-Cement Siding No
2010 195,000 Composition Roof 3,390 5 $5000 to $10,000 Deductible 840 12 Fiber-Cement Siding No
1977 160,000 Shingles Roof 2,190 3 $2500-$5000 Deductible 320 7 Brick siding yes
1980 125,000 Shingles Roof 2,140 3 $500 Deductible 180 3 Vinyl siding yes
1997 100,000 Shingles Roof 1,560 3 $500- $1000 Deductible 300 7 Vinyl siding yes
1967 65,000 Slate Shingles Roof 1,200 3 $2500-$5000 Deductible 60 4 Stone Siding No
1988 70,000 Asphalt Shingles Roof 1,310 3 $1000-$2500 Deductible 280 9 Wood siding No
1975 115,000 Composition Roof 2,040 4 $1000-$2500 Deductible 30 1 Brick siding yes
2013 75,000 Slate Shingles Roof 1,240 3 $500 Deductible 130 5 Fiber-Cement Siding yes
1984 250,000 Metal Roof 4,210 5 $2500-$5000 Deductible 430 5 Stucco siding yes
1973 95,000 Composition Roof 1,720 5 $500- $1000 Deductible 480 10 Stone Siding yes
1981 170,000 Shingles Roof 2,820 4 $2500-$5000 Deductible 190 6 Fiber-Cement Siding No
1976 90,000 Membrane Roof 1,480 3 $500- $1000 Deductible 460 10 Stucco siding No
2010 180,000 Composition Roof 3,070 4 $1000-$2500 Deductible 950 12 Vinyl siding No
1977 140,000 Tile Roof 1,950 3 $1000-$2500 Deductible 50 1 Wood siding yes
1948 250,000 Composition Roof 3,940 5 > $10,000 Deductible 170 3 Stucco siding No
1941 180,000 Asphalt Shingles Roof 3,230 5 $5000 to $10,000 Deductible 170 4 Vinyl siding yes
1948 130,000 Wood Shake Roof 1,910 3 $2500-$5000 Deductible 140 4 Brick siding No
1946 75,000 Shingles Roof 1,390 3 $2500-$5000 Deductible 90 5 Brick siding yes
1980 155,000 Wood Shake Roof 2,740 4 $1000-$2500 Deductible 620 8 Fiber-Cement Siding No