Morehead Insurance Rates:

Morehead, KY homeowners insurance is roughly $635 to $870, about $52-$72/month. Our detailed research shows customers can save upto $301 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Safeco
Overall great product and will continue to use
Mapfre Insurance
It can be hard to directly contact them and i usually have to go through the broker.
State Farm
The employees at state farm are always very kind; they will put the customers needs over their own which is very nice.

Morehead, KY Homeowners Insurance By Home Value

Morehead, KY Home Value Total Homes % of Total Average Morehead, KY Homeowners Insurance
Less than $50,000 841 22.0% $188
$50,000 to $59,999 168 4.0% $406
$60,000 to $69,999 158 4.0% $504
$70,000 to $79,999 343 9.0% $579
$80,000 to $89,999 216 5.0% $655
$90,000 to $99,999 202 5.0% $737
$100,000 to $124,999 452 12.0% $850
$125,000 to $149,999 466 12.0% $1069
$150,000 to $174,999 283 7.0% $1265
$175,000 to $199,999 216 5.0% $1453
$200,000 to $249,999 142 3.0% $1754
$250,000 to $299,999 186 5.0% $2138

Top Home Insurance Agents Near Morehead, KY

Home Insurance Company Near Morehead, KY Homeowners Insurance Agency Near Morehead, KY Address
NA Evco Enterprises, Llc 214 Main St, Vanceburg, KY, 41179
NA C. Roger Lewis Agency, Inc. 129 E Main St, Morehead, KY, 40351
Liberty Mutual Independent Hunter-Williams Insurance Agency, Inc. 837 6TH ST, PORTSMOUTH, OH, 45662
Travelers Peoples Insurance Agency Llc 1999 WINCHESTER AVE, ASHLAND, KY, 41101
State Farm Ryan Salmons 1615 Chillicothe St, Portsmouth, OH, 45662-3477

Cost Of Homeowners Insurance By Street Near Morehead, KY

Streets in Morehead Area Homeowners Insurance Cost
Windy Cove Rd, State Hwy 801, Christian St, Lois Ln, Carey Cemetery Rd, Fair Fax Ln, Cr-1259B, Triplett View Rd, S Blair Ave, Brown St$768
S Mill Branch Rd, Erwin Rd, E Clack Mountain Rd, US Hwy 60 W, Cincinnati Br, Maple View Dr, Windmeir, 1st St, Meadowbrook Dr, Horseman Cemetery Rd$766
Rodburn Hollow Rd, Bratton Br, Possum Trot Rd, E Main St, Eagle Ridge Rd, Cornett Cemetery Spur Rd, Dewitt Cemetery, Bratton Loop Rd, State Hwy 2342, W Calvert Branch$746
Crisp Rd, Victor Way, Locust St, Withrow Mountain Rd, Vaughn Dr, Lee Ave, Catron Rd, E First St, Patties Lick Rd, Bristol Rd$742
Old Gates Rd, Robin Hood Dr, White Oak Ln, Rodburn Hollow Rd, Calvert Br, Daves Ln, Old House Crk Rd, Scaggs Rd, Harris Hill Rd, Cornett Cemetery Rd$764

Morehead, KY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Morehead$112 to $115
Rowan County$113
Lakeview Heights$118
Farmers$105

Morehead, 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
Rowan County, Kentucky $94 $125 $188
Lakeview Heights city, Kentucky $99 $131 $197
Wrigley CCD, Morgan County, Kentucky $91 $121 $182

Morehead, 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
Morehead, KY6.7%22.7%
Rowan County6.6%22.47%
Lakeview Heights5.56%19.89%
Wrigley7.71%20.79%

Morehead Renters Insurance as a Percentage of Rent

Morehead Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 192 8.0% $352
$200 to $299 141 6.0% $802
$300 to $499 461 21.0% $1252
$500 to $749 703 32.0% $1927
$750 to $999 574 26.0% $2677
$1,000 to $1,499 94 4.0% $3802

Morehead, KY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$900$1,900
Yearly Morehead Homeowner Insurance Premium Example $700$500
Out of Pocket Expense During Claim$900$1,900
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $6,500$5,900
Net Savings to Morehead Home Owner from High Deductible Plan $600

Morehead, KY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Morehead, KY Home Replacement Value MORE than Home Value Morehead, KY Home Replacement Value LESS than Home Value
Replacement Value $96,500 $53,000
Insurance Premium based on Replacement Value $475 $275
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $22,500 Risk Exposure from Under Insuring Coverage is $21,000
Premium Impact Insurance cheaper by $100/year Insurance costlier by $100/year

Example Morehead Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company TravelersAmica Mutual Insurance CompanyErie Insurance
Monthly Premium 1015387
Year Built 201119932007
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 2 Baths
Coverage Amount $200000-$250000$150000-$175000$175000-$200000
Deductible $500 Deductible$1000-$2500 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2005 125,000 Shingles Roof 1,510 3 $500- $1000 Deductible 420 8 Stucco siding No
2003 175,000 Shingles Roof 2,360 3 $2500-$5000 Deductible 180 5 Vinyl siding No
2003 145,000 Metal Roof 2,490 4 $500 Deductible 790 10 Stucco siding No
1980 245,000 Metal Roof 3,630 5 > $10,000 Deductible 360 6 Brick siding yes
1993 155,000 Tile Roof 1,930 3 $5000 to $10,000 Deductible 420 12 Brick siding yes
1994 180,000 Asphalt Shingles Roof 2,270 4 $500- $1000 Deductible 310 4 Vinyl siding No
2000 210,000 Slate Shingles Roof 3,500 5 > $10,000 Deductible 580 12 Stone Siding yes
1970 85,000 Shingles Roof 1,240 3 $1000-$2500 Deductible 170 6 Stone Siding yes
2008 205,000 Slate Shingles Roof 2,850 5 $500- $1000 Deductible 750 9 Wood siding yes
2010 110,000 Composition Roof 1,980 3 $1000-$2500 Deductible 360 10 Stucco siding yes
1998 265,000 Membrane Roof 3,650 5 $5000 to $10,000 Deductible 250 4 Fiber-Cement Siding yes
1977 95,000 Shingles Roof 1,450 3 $500- $1000 Deductible 90 3 Wood siding No
2001 150,000 Tile Roof 2,190 3 $2500-$5000 Deductible 70 2 Wood siding No