Paducah Insurance Rates:

Paducah, KY homeowners insurance is roughly $646 to $882, about $53-$73/month. Our in depth research shows customers can save upto $305 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
They were helpful in finding me serves that i needed. i could rely on them for the things i needed and not try and be sold extra items, unwanted.
State Farm
Some of the quotes on payments can be a little high at times or payment options
Allstate
I really like the simplicity and convenience of checking my account online and having online access to my policy documents whenever needed. their website is very easy to navigate.
National General
We did have to do a claim a few months ago, and the process was so simple and they explained everything to us. We are very happy with the customer service at this company.
State Farm
Because my whole family falls under the same policy for 30+ years, there is no other insurance company that comes close to premiums for any of our insurance. Despite being safe and careful, most premiums from other companies are sometimes thousands of dollars higher a year.
Farmer's Insurance
My premium with Farmers Insurance is over $400 cheaper per year than my previous company. They give me a larger discount for multiple cars also.
Allstate
I do wish it was easier to get someone on the phone. Especially when you're assigned a specific representative and can only get their voicemail and they only tend to return your calls while you're at work.
Allstate
I dislike the fact that claims are going more automated. It is difficult to call and talk to a person. Many years ago, I felt the customer service was better because the agent knew us very well.

Paducah, KY Homeowners Insurance By Home Value

Paducah, KY Home Value Total Homes % of Total Average Paducah, KY Homeowners Insurance
Less than $50,000 2,413 18.0% $160
$50,000 to $59,999 598 4.0% $336
$60,000 to $69,999 798 5.0% $412
$70,000 to $79,999 755 5.0% $481
$80,000 to $89,999 810 6.0% $542
$90,000 to $99,999 627 4.0% $611
$100,000 to $124,999 1,329 9.0% $702
$125,000 to $149,999 1,461 10.0% $886
$150,000 to $174,999 1,335 10.0% $1046
$175,000 to $199,999 875 6.0% $1207
$200,000 to $249,999 1,008 7.0% $1451
$250,000 to $299,999 692 5.0% $1772
$300,000 to $399,999 648 4.0% $2253

Top Home Insurance Agents Near Paducah, KY

Home Insurance Company Near Paducah, KY Homeowners Insurance Agency Near Paducah, KY Address
State Farm Larry Krouse 1100 Main St, Benton, KY, 42025-1450
Allstate Rutherford Insurance Agency 1st & Main, Elizabethtown, IL, 62931
Allstate Scott Jordan 2920 Lone Oak Rd Ste 1, Paducah, KY, 42003
Nationwide Steve Ward Vasseur Agency 2500 Jackson St, Paducah, KY, 42003-3852
Allstate Woodall Agency 110 West Washington St, Princeton, KY, 42445

Cost Of Homeowners Insurance By Street Near Paducah, KY

Streets in Paducah Area Homeowners Insurance Cost
Guthrie Ave, N 15th St, Hawaii St, Banberry Bend, Gum Springs No 1 Rd, Cherry Cir, Lane Rd, Legends Dr, Jenneys Ln, Valarie Ln$729
Highland Blvd, S 25th St, Martin St, Terre Verte Blvd, Clinton Rd, Stonebrook Ct, S 13th St, Omega Rd, Pecan Ct, Navaho Dr$753
Old Cario Rd, Old Benton Rd, Oakland Cir, Houser Rd, Hillcrest Ave, Bethel St, Cairo Rd, Locust Ln, Skylark Dr, Abell Dr$778
Cedar Ln, Kimberly Ct, Daytona St, Noble Rd, N 6th St, Maxon Rd, S 3rd St, Burkhart Ln, St Parker Ave, Meadow Ln$790
Ward St, Avondale Rd, Cloverdale Rd, Alameda Close, N 4th St, Troon Rd, Little Ave, County Line-Ky-787 Rd, Hummingbird Ln, Derby Cir$745
Carolina St, Fieldmont Dr, Maryland St, Lincoln Ave, 42nd St, Hayes Ave, Faber St, Goodman Dr, Quail Covey Ct, Mari Dr$761
Gum Springs Rd S, Watson Rd, Mark Dr, Castleton Pike, Barrington Cir, Olde Friedman Ln, Lovelaceville Rd, Old US Hwy 45 S, Kerth Rd, McNutt Dr$803
Nickell Heights Rd, Mallory St, Wedgewood Dr, New Subdivision Rd, Holmes Ave, Atlanta Ave, W Jefferson St, Henson St, Turnberry Rd, Koerner St$786
Landview Ave, S 9th St, Parker Ave, Windsor Woods, Ashcreek Rd, Seneca Ln, Tyree Rd, Heather Ln, Caldwell St, California Ct$773
Mayfield Metropolis Rd, Tralee Dr, Old Cairo Rd, Wayne Sullivan Dr, Brewer Ln, Ramsey Rd, Sanders St, Laclede Ave, Kathy Dr, Cindy Ct$786

Paducah, KY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Paducah$114 to $117
Hendron$114
Massac$118
Farley$110

Paducah, 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
Hendron CDP, Kentucky $95 $127 $190
Massac CDP, Kentucky $99 $132 $198
Farley CDP, Kentucky $92 $123 $184

Paducah, 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
Paducah, KY5.8%19.0%
Hendron5.79%17.89%
Massac5.19%15.33%
Farley7.48%21.45%

Paducah Renters Insurance as a Percentage of Rent

Paducah Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 279 3.0% $346
$200 to $299 627 8.0% $796
$300 to $499 1,472 20.0% $1246
$500 to $749 3,262 44.0% $1921
$750 to $999 1,111 15.0% $2671
$1,000 to $1,499 404 5.0% $3796
$1,500 or more 106 1.0% $5446

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

Home value ($) Construction type Age of home Company premium ($)
125,000 Frame 29 years Encompass Insurance Company Of America 915
150,000 Brick Veneer 19 years Grange Property & Casualty Insurance Company 989
250,000 Masonry 9 years Owners Insurance Company 2,045
150,000 Brick Veneer 19 years Pharmacists Mutual Insurance Company 627
150,000 Brick Veneer 19 years Qbe Insurance Corporation 1,034
125,000 Frame 29 years Travelers Commercial Insurance Company 630
250,000 Masonry 9 years First Liberty Insurance Corporation (The) 1,656
125,000 Frame 29 years Guideone Mutual Insurance Company 840
125,000 Frame 29 years Property And Casualty Insurance Company Of Hartford 1,925
250,000 Masonry 9 years Secura Insurance A Mutual Company 1,570

Paducah, KY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,000$2,000
Yearly Paducah Homeowner Insurance Premium Example $1,600$1,400
Out of Pocket Expense During Claim$1,000$2,000
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $13,800$13,200
Net Savings to Paducah Home Owner from High Deductible Plan $600

Paducah, KY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Paducah, KY Home Replacement Value MORE than Home Value Paducah, KY Home Replacement Value LESS than Home Value
Replacement Value $78,500 $47,500
Insurance Premium based on Replacement Value $350 $225
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $18,500 Risk Exposure from Under Insuring Coverage is $12,500
Premium Impact Insurance cheaper by $50/year Insurance costlier by $75/year

Example Paducah Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateNationwide InsuranceErie Insurance
Monthly Premium 354275
Year Built 201019742004
Home Details 3 Beds, 1 Baths2 Beds, 1 Baths5 Beds, 4 Baths
Coverage Amount $100000-$125000$75000-$100000$200000-$250000
Deductible $1000-$2500 Deductible$500 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1942 115,000 Composition Roof 1,770 3 $500- $1000 Deductible 270 5 Fiber-Cement Siding No
1984 125,000 Wood Shake Roof 1,500 3 $500- $1000 Deductible 370 10 Fiber-Cement Siding No
2007 220,000 Wood Shake Roof 2,970 4 $5000 to $10,000 Deductible 840 12 Vinyl siding yes
1994 105,000 Shingles Roof 1,150 2 $500 Deductible 560 12 Fiber-Cement Siding yes
1991 125,000 Tile Roof 1,780 3 $500- $1000 Deductible 150 4 Vinyl siding yes
1981 90,000 Wood Shake Roof 1,120 2 $500 Deductible 330 9 Vinyl siding No
1979 145,000 Wood Shake Roof 2,170 4 $500 Deductible 80 1 Wood siding yes
1971 100,000 Composition Roof 1,110 2 $2500-$5000 Deductible 320 12 Brick siding No
2004 130,000 Slate Shingles Roof 1,520 2 $500- $1000 Deductible 540 10 Wood siding yes
1947 195,000 Wood Shake Roof 2,130 5 $5000 to $10,000 Deductible 390 8 Brick siding No
2008 110,000 Wood Shake Roof 1,360 3 $1000-$2500 Deductible 250 7 Wood siding No
1960 175,000 Asphalt Shingles Roof 1,890 3 $1000-$2500 Deductible 430 7 Wood siding yes
1946 180,000 Slate Shingles Roof 2,620 4 $1000-$2500 Deductible 440 6 Stucco siding yes
1982 85,000 Asphalt Shingles Roof 1,230 2 $500 Deductible 470 12 Wood siding yes
1975 90,000 Composition Roof 1,070 2 $500 Deductible 320 9 Stucco siding No
1965 195,000 Composition Roof 2,240 3 $2500-$5000 Deductible 440 8 Vinyl siding No
2006 85,000 Tile Roof 1,310 2 $1000-$2500 Deductible 420 12 Stucco siding yes
1962 210,000 Membrane Roof 2,610 4 > $10,000 Deductible 420 8 Wood siding yes
1966 265,000 Tile Roof 3,690 5 > $10,000 Deductible 280 5 Wood siding yes
2013 170,000 Slate Shingles Roof 1,940 4 $500 Deductible 540 6 Stucco siding No
2010 365,000 Tile Roof 4,030 5 $1000-$2500 Deductible 860 8 Brick siding No
1943 225,000 Composition Roof 2,990 5 $2500-$5000 Deductible 60 1 Stucco siding yes
1963 175,000 Shingles Roof 1,910 4 $2500-$5000 Deductible 260 6 Stucco siding No
2014 235,000 Asphalt Shingles Roof 3,030 5 $1000-$2500 Deductible 810 10 Stucco siding No
1974 130,000 Wood Shake Roof 1,510 3 $500 Deductible 230 4 Stone Siding yes
2010 90,000 Metal Roof 960 2 $500- $1000 Deductible 70 2 Wood siding No
2005 260,000 Wood Shake Roof 4,080 5 $1000-$2500 Deductible 220 2 Fiber-Cement Siding yes
1944 205,000 Slate Shingles Roof 2,780 4 $500- $1000 Deductible 330 4 Fiber-Cement Siding yes
1948 210,000 Tile Roof 2,380 3 $500 Deductible 930 10 Fiber-Cement Siding No
1941 170,000 Membrane Roof 2,180 4 $500- $1000 Deductible 740 10 Brick siding No