Murray Insurance Rates:

Murray, KY homeowners insurance is approximately $649 to $886, about $54-$73/month. Our extensive analysis indicates shoppers can save upto $306 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Erie Insurance
I feel like the person I speak with is a very friendly family friend. They want to know what I like and dislike about the insurance.
State Farm
In the time that I have dealt with my home insurance company, I have not had any negative experiences with this company. Every interaction has been positive.
Kentucky Farm Bureau
I have never priced homeowners with any other company. I did recently switch my auto insurance to state farm. When I did that I lowered my homeowner’s premium.
Allstate
Allstate is well known and very competent. their customer service is very knowledgeable and they always send full and complete paperwork which they can explain over the phone if needed.
Nationwide
Although services through nationwide insurance company are top of the line, compared to other insurance companies, their prices are a bit high.
Progressive
My insurance company progressive allows for premiums to be easily deducted from my mortgage each year is easily deducted from my mortgage each year.

Murray, KY Homeowners Insurance By Home Value

Murray, KY Home Value Total Homes % of Total Average Murray, KY Homeowners Insurance
Less than $50,000 348 8.0% $153
$50,000 to $59,999 183 4.0% $322
$60,000 to $69,999 185 4.0% $398
$70,000 to $79,999 196 4.0% $460
$80,000 to $89,999 302 7.0% $521
$90,000 to $99,999 267 6.0% $582
$100,000 to $124,999 752 17.0% $674
$125,000 to $149,999 421 10.0% $851
$150,000 to $174,999 377 8.0% $1004
$175,000 to $199,999 475 11.0% $1158
$200,000 to $249,999 388 9.0% $1395
$250,000 to $299,999 215 5.0% $1702
$300,000 to $399,999 101 2.0% $2162

Top Home Insurance Agents Near Murray, KY

Home Insurance Company Near Murray, KY Homeowners Insurance Agency Near Murray, KY Address
NA Peel & Holland, Inc. 1120 Main St, Benton, KY, 42025
Travelers Raymond Nelson Insurance Agency Inc 3205 LAFAYETTE RD, HOPKINSVILLE, KY, 42241
Nationwide Steve Ward Vasseur Agency 931 Kentucky Ave, Kevil, KY, 42053
Nationwide The Williams Ins Group 1407 E Wood St, Paris, TN, 38242
State Farm Tina Loomis 368 Lakota Dr, Cadiz, KY, 42211-6182

Cost Of Homeowners Insurance By Street Near Murray, KY

Streets in Murray Area Homeowners Insurance Cost
Williams Ave, N 13th St, Hummingbird Ln, Mimosa Ln, Justice Rd, Murray Estates Dr, Ky-1550, Kentucky Ave, C C Lowry Dr, State Hwy 464$778
Country Club Ln, Clark St, Fairlane Dr, Wanda Ln, Bagwell Blvd, Round Table Ct, Bambi Ct N, S 12th St, Saratoga Dr N, Vaughn Dr$775
Blissfull View Dr, Olive St, Walnut St, Hale Rd, Bison Ln, Glendale Rd, Audubon Dr, Oaks Country Club Rd, Stoneybrook Ln, 10th St$764
Southwood Dr, Melvin Henley Dr, Sycamore St, State Hwy 1429, John Purdam Rd, Bagwell Ct, Mission Valley Dr, Waldrop Dr, Oak Hill Dr S, Cs-1220$757
N 5th St, State Hwy 1660, Williamsburg Ln, Parklane Dr, Pottertown Rd, Edinborough Dr, Lynnwood Ct, Maple St, S Broach Ave, Mitchell Dr$778

Murray, KY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Murray$114 to $117
Calloway County$114
Hazel-Lynn Grove$113
Hazel$110

Murray, 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
Calloway County, Kentucky $95 $127 $190
Hazel-Lynn Grove CCD, Calloway County, Kentucky $95 $126 $189
Kirksey CCD, Calloway County, Kentucky $94 $125 $188

Murray, 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
Murray, KY5.9%17.2%
Calloway County6.29%18.35%
Hazel-Lynn Grove6.26%19.53%
Kirksey6.9%19.54%

Murray Renters Insurance as a Percentage of Rent

Murray Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 77 2.0% $344
$200 to $299 296 7.0% $794
$300 to $499 1,178 30.0% $1244
$500 to $749 1,584 41.0% $1919
$750 to $999 555 14.0% $2669
$1,000 to $1,499 77 2.0% $3794
$1,500 or more 70 1.0% $5444

Murray, KY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$900$1,900
Yearly Murray Homeowner Insurance Premium Example $500$300
Out of Pocket Expense During Claim$900$1,900
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $4,900$4,300
Net Savings to Murray Home Owner from High Deductible Plan $600

Murray, KY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Murray, KY Home Replacement Value MORE than Home Value Murray, KY Home Replacement Value LESS than Home Value
Replacement Value $170,000 $120,000
Insurance Premium based on Replacement Value $975 $675
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $19,500 Risk Exposure from Under Insuring Coverage is $30,500
Premium Impact Insurance cheaper by $175/year Insurance costlier by $125/year

Example Murray Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyState FarmAllstate
Monthly Premium 7599103
Year Built 200019652010
Home Details 3 Beds, 2 Baths4 Beds, 2 Baths5 Beds, 4 Baths
Coverage Amount $200000-$250000$200000-$250000$300000-$350000
Deductible $2500-$5000 Deductible$500- $1000 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1974 230,000 Membrane Roof 2,680 4 > $10,000 Deductible 120 3 Vinyl siding No
1981 185,000 Composition Roof 2,280 4 $1000-$2500 Deductible 520 8 Vinyl siding yes
1974 235,000 Membrane Roof 2,810 5 $500- $1000 Deductible 510 4 Brick siding No
1964 240,000 Wood Shake Roof 2,860 4 > $10,000 Deductible 170 3 Wood siding yes
2013 160,000 Tile Roof 1,790 3 $500 Deductible 90 1 Fiber-Cement Siding yes
1979 130,000 Wood Shake Roof 1,670 4 $500 Deductible 260 4 Stucco siding No
1978 120,000 Wood Shake Roof 1,760 3 $2500-$5000 Deductible 140 5 Wood siding No
1976 165,000 Tile Roof 1,730 2 $500 Deductible 580 9 Brick siding No
2008 80,000 Membrane Roof 960 2 $1000-$2500 Deductible 70 2 Brick siding No
2010 90,000 Asphalt Shingles Roof 1,080 2 $2500-$5000 Deductible 60 2 Fiber-Cement Siding No
1992 120,000 Metal Roof 1,310 3 $1000-$2500 Deductible 190 5 Fiber-Cement Siding yes
1974 105,000 Tile Roof 1,330 3 $2500-$5000 Deductible 200 7 Brick siding yes
2004 105,000 Tile Roof 1,460 3 $500- $1000 Deductible 190 5 Brick siding No
1976 155,000 Asphalt Shingles Roof 1,660 3 $5000 to $10,000 Deductible 410 10 Stone Siding No
2005 140,000 Membrane Roof 2,050 3 $2500-$5000 Deductible 100 4 Fiber-Cement Siding No
1961 165,000 Metal Roof 2,230 4 $1000-$2500 Deductible 360 7 Stucco siding yes
1996 265,000 Wood Shake Roof 3,000 5 $500- $1000 Deductible 270 3 Wood siding yes
2013 140,000 Wood Shake Roof 1,590 2 $1000-$2500 Deductible 360 7 Wood siding yes
2005 210,000 Asphalt Shingles Roof 2,380 3 $2500-$5000 Deductible 440 6 Vinyl siding yes
1962 90,000 Metal Roof 1,110 2 $1000-$2500 Deductible 50 2 Brick siding No
2007 160,000 Metal Roof 2,320 4 $2500-$5000 Deductible 410 10 Brick siding yes
2014 155,000 Slate Shingles Roof 1,760 4 $1000-$2500 Deductible 460 7 Wood siding No
1986 160,000 Asphalt Shingles Roof 1,720 3 $500 Deductible 220 4 Wood siding yes