Owingsville Insurance Rates:

Owingsville, KY homeowners insurance is roughly $624 to $849, about $52-$70/month. Our comprehensive research indicates shoppers can save upto $294 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Owingsville, KY Homeowners Insurance By Home Value

Owingsville, KY Home Value Total Homes % of Total Average Owingsville, KY Homeowners Insurance
Less than $50,000 607 34.0% $272
$50,000 to $59,999 135 7.0% $574
$60,000 to $69,999 210 11.0% $713
$70,000 to $79,999 96 5.0% $824
$80,000 to $89,999 74 4.0% $934
$90,000 to $99,999 87 4.0% $1045
$100,000 to $124,999 125 7.0% $1207
$125,000 to $149,999 128 7.0% $1516
$150,000 to $174,999 98 5.0% $1788
$175,000 to $199,999 34 1.0% $2068
$200,000 to $249,999 96 5.0% $2487
$250,000 to $299,999 34 1.0% $3039
$300,000 to $399,999 35 1.0% $3856

Top Home Insurance Agents Near Owingsville, KY

Home Insurance Company Near Owingsville, KY Homeowners Insurance Agency Near Owingsville, KY Address
Erie Elite Insurance Solutions 2333 Alexandria Drive Suite 243, Lexington, KY, 40504
Travelers First Insurance Group Nicholasville Inc 508 N MAIN ST STE C, NICHOLASVILLE, KY, 40356
Allstate Mike Ison 2121 Richmond Rd Ste 145, Lexington, KY, 40502
State Farm Stewart Perry 2128 Nicholasville Road, Lexington, KY, 40503
NA Lexington Equine Insurance, Llc. Po Box 910622, Lexington, KY, 40591

Cost Of Homeowners Insurance By Street Near Owingsville, KY

Streets in Owingsville Area Homeowners Insurance Cost
Howards Mill Rd, Wells Ave, Tony Ln, Mc Carty Branch Rd, Old Wyoming Rd, Fallen Rock Rd, Riddle Rd, Goodpaster Ave, Kendall Springs Ave, Perry Rd$738
E Tunnel Hill Rd, S Stepstone Rd, John Stan St, E State Hwy 36, Happy Hollow Rd, Moore Rd, E High St, Kendall Spring Cemetery Rd, Warner Ln, Jackson Cemetary Rd$736
Hart Grove Rd, Winding Way, Brandy Ln, Alcar Rd, McVey Rd, Tobacco Rd, State Hwy 1602, Danny Station Ln, Saltwell Rd, Bluebird Ln$734
Hart Pike, Rock Springs Rd, Burbridge Branch Rd, Satterfield Ln, State Hwy 1269, Gudgell, Kendall Springs Rd, Garland Hollow Rd, State Hwy 1944, Wyoming Rd$735
Blue Berry Ln, Pottersville Rd, Indian Creek Rd, Old Ky 111 Rd, Laranda Ct, Old Peasticks Rd, Stepstone Rd, Banker St, Ridgeway Dr, Jay Rd$739

Owingsville, KY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Owingsville$109 to $111
Bath County$110
Salt Lick$109
Mount Sterling$115

Owingsville, 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
Bath County, Kentucky $110 $147 $221
Sharpsburg CCD, Bath County, Kentucky $110 $147 $221
Salt Lick CCD, Bath County, Kentucky $110 $146 $219

Owingsville, 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
Owingsville, KY6.9%19.7%
Bath County6.96%21.0%
Sharpsburg6.73%22.2%
Salt Lick7.14%25.99%

Owingsville Renters Insurance as a Percentage of Rent

Owingsville Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 26 5.0% $361
$200 to $299 50 11.0% $811
$300 to $499 93 20.0% $1261
$500 to $749 212 47.0% $1936
$750 to $999 17 3.0% $2686
$1,500 or more 47 10.0% $5461

Owingsville, KY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$900$1,900
Yearly Owingsville 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 Owingsville Home Owner from High Deductible Plan $600

Owingsville, KY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Owingsville, KY Home Replacement Value MORE than Home Value Owingsville, KY Home Replacement Value LESS than Home Value
Replacement Value $80,500 $55,000
Insurance Premium based on Replacement Value $375 $275
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $11,500 Risk Exposure from Under Insuring Coverage is $14,000
Premium Impact Insurance cheaper by $50/year Insurance costlier by $50/year

Example Owingsville Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateNationwide InsuranceErie Insurance
Monthly Premium 185733
Year Built 198219922010
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths3 Beds, 1 Baths
Coverage Amount $50000-$75000$200000-$250000$100000-$125000
Deductible $1000-$2500 Deductible$2500-$5000 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2007 105,000 Shingles Roof 1,920 4 $1000-$2500 Deductible 100 3 Fiber-Cement Siding yes
2003 100,000 Wood Shake Roof 1,730 4 $1000-$2500 Deductible 150 4 Vinyl siding No
2013 105,000 Tile Roof 1,650 3 $2500-$5000 Deductible 90 3 Wood siding yes
1961 105,000 Metal Roof 2,010 3 $500 Deductible 190 6 Brick siding yes
1991 115,000 Slate Shingles Roof 1,940 3 $2500-$5000 Deductible 60 2 Wood siding yes
2011 75,000 Membrane Roof 1,330 3 $1000-$2500 Deductible 400 12 Stone Siding No
2000 90,000 Tile Roof 1,800 3 $500 Deductible 180 5 Fiber-Cement Siding No
1978 130,000 Slate Shingles Roof 2,320 3 $500- $1000 Deductible 280 6 Wood siding yes
2000 115,000 Shingles Roof 1,730 4 $1000-$2500 Deductible 370 9 Fiber-Cement Siding yes
1993 175,000 Wood Shake Roof 3,280 4 $2500-$5000 Deductible 390 7 Vinyl siding yes
2013 115,000 Shingles Roof 2,190 3 $500 Deductible 470 7 Fiber-Cement Siding No
1976 100,000 Wood Shake Roof 1,510 3 $500 Deductible 280 6 Wood siding No
1966 145,000 Wood Shake Roof 2,980 4 $500- $1000 Deductible 190 3 Brick siding yes
1995 95,000 Membrane Roof 1,760 4 $500- $1000 Deductible 30 1 Brick siding No
1973 165,000 Shingles Roof 2,620 4 $500 Deductible 340 5 Vinyl siding No
2000 130,000 Membrane Roof 2,350 3 $500 Deductible 110 2 Wood siding No
1988 85,000 Wood Shake Roof 1,390 3 $2500-$5000 Deductible 130 8 Fiber-Cement Siding No
1960 160,000 Asphalt Shingles Roof 2,570 4 $500- $1000 Deductible 440 6 Stone Siding No
1979 95,000 Wood Shake Roof 1,600 3 $1000-$2500 Deductible 200 8 Stucco siding No
1970 80,000 Metal Roof 1,790 4 $500- $1000 Deductible 200 9 Brick siding No
1996 80,000 Metal Roof 1,490 3 $500 Deductible 260 7 Stucco siding yes
1985 135,000 Tile Roof 2,950 4 $1000-$2500 Deductible 120 2 Vinyl siding No
2007 135,000 Slate Shingles Roof 2,580 4 $2500-$5000 Deductible 410 10 Wood siding No
1999 125,000 Shingles Roof 2,580 4 $500 Deductible 150 3 Stone Siding yes
1976 170,000 Shingles Roof 3,160 4 $500 Deductible 300 5 Stucco siding yes
2014 85,000 Slate Shingles Roof 1,730 3 $1000-$2500 Deductible 110 3 Fiber-Cement Siding No
2005 90,000 Membrane Roof 1,870 3 $500 Deductible 140 3 Vinyl siding yes
2002 200,000 Membrane Roof 3,190 4 $5000 to $10,000 Deductible 250 7 Fiber-Cement Siding No
1961 150,000 Slate Shingles Roof 2,310 4 $2500-$5000 Deductible 530 9 Stone Siding yes
1998 185,000 Wood Shake Roof 2,970 4 $2500-$5000 Deductible 540 9 Vinyl siding No
2004 100,000 Slate Shingles Roof 1,920 3 $1000-$2500 Deductible 50 1 Brick siding yes
2010 140,000 Composition Roof 3,100 4 $2500-$5000 Deductible 270 7 Wood siding yes