Madisonville Insurance Rates:

Madisonville, KY homeowners insurance is approximately $634 to $861, about $52-$71/month. Our extensive analysis reveals consumers can save as much as $298 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate
There is an online quote system. it has detailed questions, including illustrations to help you determine the type of roof and materials used in your home so you can get an accurate quote.
Farmer's Insurance
I would feel comfortable referring this company to friends and family and i have in the past and will do so in the future.
Erie Insurance
I like that when making a claim, they make it somewhat easy after the initial call. the rest is smooth.
Metlife
Every time I have contacted them with a claim or a question they have been friendly, concerned, helpful and efficient. I have never had to do unnecessary follow-ups because they have always done what needs to be done in a timely manner. I feel that they truly care about their customers.
Erie Insurance
When we shopped insurance Erie was by far the best deal for the coverage. I haven't really had to exercise them through by submitting a claim, so I don't yet really know how good they are when the going gets tough. For the price difference though, it is worth the unknown.
Farmer's Insurance
I am very happy with this part of Farmers. They are always right there if I need them. I've literally had to call them at 3 am and I got right through and they were more than ready to help me and my family.
State Farm
The only thing I like about this company is leaving it once my contract is up but them! Make it hard for you to leave once you sign up. They try to get you to stay when you want to leave.
Allstate
Dislike about the company is. High premiums and deductibles and poor customer service.

Madisonville, KY Homeowners Insurance By Home Value

Madisonville, KY Home Value Total Homes % of Total Average Madisonville, KY Homeowners Insurance
Less than $50,000 1,706 22.0% $209
$50,000 to $59,999 452 5.0% $440
$60,000 to $69,999 608 7.0% $545
$70,000 to $79,999 675 8.0% $634
$80,000 to $89,999 612 7.0% $717
$90,000 to $99,999 555 7.0% $799
$100,000 to $124,999 966 12.0% $926
$125,000 to $149,999 583 7.0% $1165
$150,000 to $174,999 496 6.0% $1374
$175,000 to $199,999 432 5.0% $1583
$200,000 to $249,999 292 3.0% $1904
$250,000 to $299,999 216 2.0% $2330
$300,000 to $399,999 161 2.0% $2965

Top Home Insurance Agents Near Madisonville, KY

Home Insurance Company Near Madisonville, KY Homeowners Insurance Agency Near Madisonville, KY Address
Nationwide Aubrey M Beatty Agency 701 Fulton Drive, Owensboro, KY, 42303
State Farm Bob Williams 819 W Parrish Ave, Owensboro, KY, 42301-3651
Travelers Crosspointe Ins & Financial Services Llc 401 SE 6TH ST STE 106, EVANSVILLE, IN, 47713
Erie Freeman Will & Niemeier Inc. 1919 W. Franklin St, Evansville, IN, 47712
Allstate Kevin Rice 1001 S Main St, Hartford, KY, 42347

Cost Of Homeowners Insurance By Street Near Madisonville, KY

Streets in Madisonville Area Homeowners Insurance Cost
St Malo Dr, Hopkinsville Rd, Cs-1394, Green St, Ed Lacey Rd, Clearview Dr, Cherry Ln, Hartland Ave, W Noel Ave, W Kentucky Rd$744
Oakdale Ave, Pearl Dr, Queen Elizabeth Dr, Mullins Ln, Lakeview Dr, Cs-1293, E Walnut St, W Lake St, Edward Breathitt Pkwy, E Main St$738
Powhatan Dr, Cr-1129, Bob White Dr, S Daves St, Victoria Hill, Cr-1126B, Cs-1276, Holly Hills Dr, Crestview Dr, Scanfield Court No 1$768
Cs-1197, State Hwy 1337, Denton Dr, Sandcut Rd, Hollis Ln, Corbly Ave, Adams Ave, State Hwy 2082, Cardwell St, Walnut Ln$728
Laffoon St, Silkwood Ave, N Highland Ave, Vern Dr, Lenin Rd, Hopewell St, Cherokee St, Buck Trce, Cs-1270, 1st North St$749

Madisonville, KY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Madisonville$111 to $114
Earlington$108
Hopkins County$111
Manitou$107

Madisonville, 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
Earlington city, Kentucky $108 $144 $216
Hopkins County, Kentucky $112 $149 $224
Mortons Gap city, Kentucky $108 $144 $216

Madisonville, 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
Madisonville, KY6.6%19.3%
Earlington8.67%18.34%
Hopkins County6.6%20.03%
Mortons Gap9.55%25.71%

Madisonville Renters Insurance as a Percentage of Rent

Madisonville Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 162 4.0% $355
$200 to $299 165 4.0% $805
$300 to $499 924 26.0% $1255
$500 to $749 1,320 37.0% $1930
$750 to $999 691 19.0% $2680
$1,000 to $1,499 212 6.0% $3805

Madisonville, KY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,000$2,000
Yearly Madisonville Homeowner Insurance Premium Example $800$600
Out of Pocket Expense During Claim$1,000$2,000
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $7,400$6,800
Net Savings to Madisonville Home Owner from High Deductible Plan $600

Madisonville, KY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Madisonville, KY Home Replacement Value MORE than Home Value Madisonville, KY Home Replacement Value LESS than Home Value
Replacement Value $83,500 $61,000
Insurance Premium based on Replacement Value $400 $300
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $14,000 Risk Exposure from Under Insuring Coverage is $8,500
Premium Impact Insurance cheaper by $25/year Insurance costlier by $75/year

Example Madisonville Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company TravelersLiberty MutualChubb Group of Insurance
Monthly Premium 537952
Year Built 198720021972
Home Details 3 Beds, 2 Baths4 Beds, 2 Baths5 Beds, 1 Baths
Coverage Amount $100000-$125000$150000-$175000$150000-$175000
Deductible $500 Deductible$500 Deductible$500- $1000 Deductible

Sample Home Insurance Rates for Madisonville, 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 125,000 Tile Roof 2,380 3 $500 Deductible 130 3 Wood siding yes
1974 150,000 Wood Shake Roof 2,230 3 $2500-$5000 Deductible 330 7 Fiber-Cement Siding yes
1999 150,000 Membrane Roof 2,840 4 $1000-$2500 Deductible 410 9 Wood siding No
1982 165,000 Membrane Roof 2,940 5 $5000 to $10,000 Deductible 160 4 Stucco siding yes
1982 110,000 Composition Roof 1,690 3 $2500-$5000 Deductible 430 10 Vinyl siding yes
1980 110,000 Wood Shake Roof 1,970 3 $2500-$5000 Deductible 90 3 Vinyl siding No
2004 80,000 Shingles Roof 1,350 3 $2500-$5000 Deductible 280 12 Brick siding yes
1995 185,000 Membrane Roof 3,460 5 $500 Deductible 700 10 Fiber-Cement Siding No
1974 135,000 Wood Shake Roof 1,980 3 $1000-$2500 Deductible 160 4 Brick siding No
2004 150,000 Slate Shingles Roof 2,320 3 $1000-$2500 Deductible 220 4 Fiber-Cement Siding No
2007 350,000 Wood Shake Roof 4,760 5 $1000-$2500 Deductible 1580 10 Stucco siding No
1991 295,000 Shingles Roof 4,430 5 $500- $1000 Deductible 1100 9 Stone Siding yes
1970 130,000 Slate Shingles Roof 2,210 3 $2500-$5000 Deductible 490 12 Stucco siding No
1998 185,000 Composition Roof 2,880 5 $500 Deductible 710 8 Fiber-Cement Siding yes
1969 155,000 Wood Shake Roof 2,060 3 $1000-$2500 Deductible 430 10 Fiber-Cement Siding yes
1974 180,000 Membrane Roof 2,580 5 $500 Deductible 300 4 Vinyl siding yes
1985 125,000 Wood Shake Roof 2,240 3 $2500-$5000 Deductible 90 2 Wood siding No
1978 280,000 Metal Roof 4,330 5 $500- $1000 Deductible 1060 12 Vinyl siding No
1983 275,000 Slate Shingles Roof 3,890 5 $1000-$2500 Deductible 350 4 Stucco siding No
2005 230,000 Wood Shake Roof 3,250 4 $500- $1000 Deductible 990 8 Brick siding No
2003 95,000 Shingles Roof 1,300 3 $1000-$2500 Deductible 350 12 Vinyl siding yes
1960 280,000 Membrane Roof 4,340 5 > $10,000 Deductible 420 8 Wood siding yes
1947 300,000 Wood Shake Roof 4,100 5 $5000 to $10,000 Deductible 120 2 Wood siding No
2002 230,000 Membrane Roof 3,070 5 $500 Deductible 1120 12 Vinyl siding yes
1998 125,000 Slate Shingles Roof 2,180 4 $2500-$5000 Deductible 40 1 Brick siding yes
1978 100,000 Shingles Roof 1,730 5 $2500-$5000 Deductible 360 9 Vinyl siding No
2008 110,000 Shingles Roof 1,840 4 $500- $1000 Deductible 140 4 Wood siding No
1973 105,000 Asphalt Shingles Roof 1,950 3 $2500-$5000 Deductible 410 12 Stone Siding yes
1997 125,000 Composition Roof 1,810 5 $1000-$2500 Deductible 190 4 Fiber-Cement Siding No
1965 175,000 Slate Shingles Roof 3,170 4 $500 Deductible 130 2 Wood siding yes