Pewee Valley Insurance Rates:

Pewee Valley, KY homeowners insurance is about $714 to $973, about $59-$81/month. Our exhaustive guide indicates shoppers can save as much as $337 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

How to Save on Homeowners Insurance in Pewee Valley, KY

The average cost of home insurance in Pewee Valley, KY, is $1287. For any homeowner, their home is one of their most valuable possessions. To safeguard their homes from fires, hail, and other disasters, homeowners in Pewee Valley, Kentucky, must get homeowners insurance. Home insurance will assist you in rebuilding your home if there is any significant damage brought on by natural disasters or any other hazard in your home.

Home insurance providers examine a number of aspects before determining insurance prices. Your risk profile is influenced by several factors, such as the location of your house, its age and construction, and other features like weather hazards. Some of the elements are described in this article's section below.

By Choosing a Higher Deductible

A deductible is an amount you pay out of pocket before your insurance policy kicks in. You can reduce your homeowner’s insurance rates by opting for a higher deductible. You need to make sure you can afford to pay the higher deductible if you have a claim. But if you are comfortable with that risk, a higher deductible can help you save on your homeowner’s insurance premium. For instance, homeowners with deductibles of 500 and 1500 in Pewee Valley, Kentucky, pay premiums of $1271.56 and $1082.88, respectively. Homeowners with deductibles of 2000 and 2500 pay, respectively, $983.01 and $924.07. Therefore, the lower the homeowners insurance rates in Pewee Valley, Kentucky, the higher the deductible.

By Installing Security Features

As a homeowner, you want to do everything you can to protect your home. One way to do this is to install security features. Doing so can reduce your homeowner's insurance rates in Pewee Valley, KY. There are several security features you can install in your home. Some of these include security alarms, security cameras, and deadbolt locks. By installing these features, you can deter burglars and other criminals from targeting your home. As a result, your home will be less likely to be broken into, and you will save money on your homeowner's insurance. For example, in Pewee Valley, Kentucky, homeowners insurance costs for houses with fire extinguishers are $1184.04. Having fire extinguishers and fire alarms at home reduces the likelihood of fire or small fires.

By Maintaining a Zero Claims History

Your claim history may significantly impact your home insurance prices. Insurance providers assess prospective risks using your claims report to determine a personalized premium. For instance, your insurer will provide coverage if you file a claim for a busted pipe or damaged wiring. Still, they may also charge you extra insurance because you already have one claim and are more likely to file another. For instance, in Pewee Valley, Kentucky homeowners with no prior claims must pay a premium of $1106.82. In contrast, in Pewee Valley, KY, homeowners with one or two claims must pay $1402.83 and $1454.31 in premiums.

Pewee Valley, KY Homeowners Insurance By Home Value

Pewee Valley, KY Home Value Total Homes % of Total Average Pewee Valley, KY Homeowners Insurance
Less than $50,000 167 1.0% $75
$90,000 to $99,999 137 1.0% $303
$100,000 to $124,999 507 5.0% $354
$125,000 to $149,999 721 8.0% $438
$150,000 to $174,999 916 10.0% $523
$175,000 to $199,999 764 8.0% $599
$200,000 to $249,999 1,926 22.0% $725
$250,000 to $299,999 1,409 16.0% $886
$300,000 to $399,999 1,860 21.0% $1130

Top Home Insurance Agents Near Pewee Valley, KY

Home Insurance Company Near Pewee Valley, KY Homeowners Insurance Agency Near Pewee Valley, KY Address
NA The Crimm Agency, Inc. Po Box 43244 Louisville, Middletown, KY, 40253
Travelers Kevin D Bruce 714 LYNDON LANE STE 8, LOUISVILLE, KY, 40222
Travelers Knapp Miller Brown Insurance Services Inc 8 PUBLIC SQUARE, SALEM, IN, 47167
Travelers Miller Williams Insurance Llc 4350 BROWNSBORO RD STE 110, LOUISVILLE, KY, 40207
Allstate Roger Harness 7215 Vaughn Mill Rd, Louisville, KY, 40228

Pewee Valley, KY Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Pewee Valley, KY

Streets in Pewee Valley Area Homeowners Insurance Cost
Oak Ave, Mountain Ash Ln, Firethorn Dr, S State Hwy 1694, Eagle Way, Quarry Dr, Ridgetop Dr, Huckleberry Ln, Shadowood Ln, Palmer Park Rd$845
Alpine Way, Windward Ct, Mayo Ct, Heritage Hills Dr, Castlewood Dr, Curry Creek Rd, Todds Point Rd, Pond Creek Dr, Allison Ct, Houston Ln$926
Fairway Ct, Anthony Ct, Jonathan Pl, Shadowcreek Rd, Lagrange Rd, Bowen Cir, Stanley Farm Ct, Overlook Ridge Rd, Meadowridge Trl, Setting Sun Ct$838
Briar Ridge Rd, John Moser Way, Mockingbird Valley Rd, Hillbrook Dr, Lagrange Rd, Edds Ct, State Hwy 1408, Mountain Ash Ct, Welsh Rd, Ashford Dr$820
Raintree Ct, Crestview Cove, Mount Mercy Dr, Old Mill Rd, Horseshoe Ct, W Mount Zion Rd, River Bluff Rd, Deer Pond Cove, Club Dr, Centerfield Dr$928

Pewee Valley, KY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Pewee Valley$126 to $129
Crestwood$122
Oldham County$124
Buckner$130

Pewee Valley, 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
Crestwood city, Kentucky $122 $163 $245
Oldham County, Kentucky $125 $166 $249
Buckner CDP, Kentucky $131 $174 $261

Pewee Valley, 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
Pewee Valley, KY3.8%13.6%
Crestwood4.46%15.49%
Oldham County3.98%14.46%
Buckner3.64%11.96%

Pewee Valley Renters Insurance as a Percentage of Rent

Pewee Valley Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 31 2.0% $755
$300 to $499 68 5.0% $1205
$500 to $749 350 30.0% $1880
$750 to $999 292 25.0% $2630
$1,000 to $1,499 274 23.0% $3755
$1,500 or more 132 11.0% $5405

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

Home value ($) Construction type Age of home Company premium ($)
125,000 Frame 29 years American Bankers Insurance Company Of Florida 2,157
250,000 Masonry 9 years American Fire And Casualty Company 1,479
125,000 Frame 29 years Grange Mutual Casualty Company 1,570
250,000 Masonry 9 years Great Northern Insurance Company 1,263
250,000 Masonry 9 years Liberty Insurance Corporation 1,189
150,000 Brick Veneer 19 years Stillwater Insurance Company 520
125,000 Frame 29 years Westfield Insurance Company 538
150,000 Brick Veneer 19 years Central Mutual Insurance Company 820
150,000 Brick Veneer 19 years Hamilton Mutual Insurance Company 885
150,000 Brick Veneer 19 years Westfield Insurance Company 566

Pewee Valley, KY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,600$2,600
Yearly Pewee Valley Homeowner Insurance Premium Example $1,900$1,400
Out of Pocket Expense During Claim$1,600$2,600
Total Home Insurance Premium for 4 years + Out of Pocket Expense for Claim $9,200$8,200
Net Savings to Pewee Valley Home Owner from High Deductible Plan $1,000

Pewee Valley, KY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Pewee Valley, KY Home Replacement Value MORE than Home Value Pewee Valley, KY Home Replacement Value LESS than Home Value
Replacement Value $435,000 $303,000
Insurance Premium based on Replacement Value $2,425 $1,700
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $45,000 Risk Exposure from Under Insuring Coverage is $87,000
Premium Impact Insurance cheaper by $475/year Insurance costlier by $250/year

Example Pewee Valley Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceAmica Mutual Insurance CompanyState Farm
Monthly Premium 9016595
Year Built 198119952014
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 2 Baths
Coverage Amount $200000-$250000$400000-$500000$200000-$250000
Deductible $500 Deductible$1000-$2500 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1998 465,000 Shingles Roof 4,190 5 $500- $1000 Deductible 1350 9 Fiber-Cement Siding yes
2010 285,000 Metal Roof 2,070 5 $5000 to $10,000 Deductible 510 7 Stucco siding No
1994 210,000 Metal Roof 1,650 4 $2500-$5000 Deductible 120 2 Stone Siding yes
2002 190,000 Membrane Roof 1,680 5 $2500-$5000 Deductible 710 12 Stone Siding No
2012 170,000 Wood Shake Roof 1,330 3 $500 Deductible 450 5 Brick siding yes
1991 470,000 Membrane Roof 3,250 4 $500 Deductible 1260 5 Vinyl siding yes
2011 325,000 Composition Roof 2,570 4 $2500-$5000 Deductible 410 4 Stone Siding yes
1982 560,000 Composition Roof 4,680 5 $1000-$2500 Deductible 490 3 Fiber-Cement Siding No
2001 320,000 Slate Shingles Roof 2,840 4 > $10,000 Deductible 400 5 Wood siding No
2004 360,000 Metal Roof 2,490 4 $500 Deductible 630 4 Vinyl siding No
2010 250,000 Tile Roof 2,050 5 $500- $1000 Deductible 510 6 Brick siding yes
2010 240,000 Slate Shingles Roof 1,520 3 $1000-$2500 Deductible 250 4 Wood siding No
1998 235,000 Composition Roof 1,420 3 $500 Deductible 210 2 Wood siding yes
2004 320,000 Tile Roof 2,060 4 $500 Deductible 850 7 Fiber-Cement Siding No
2007 325,000 Asphalt Shingles Roof 2,180 4 $500 Deductible 1520 12 Brick siding yes
2010 690,000 Asphalt Shingles Roof 4,420 5 > $10,000 Deductible 1430 12 Vinyl siding yes
2006 230,000 Slate Shingles Roof 1,690 4 $1000-$2500 Deductible 310 5 Vinyl siding yes
1983 710,000 Shingles Roof 4,410 5 $1000-$2500 Deductible 1630 7 Stucco siding No
2010 320,000 Tile Roof 2,110 3 $500 Deductible 970 8 Stone Siding No
1996 480,000 Slate Shingles Roof 3,250 4 $1000-$2500 Deductible 690 5 Stone Siding yes
2011 155,000 Slate Shingles Roof 1,200 3 $5000 to $10,000 Deductible 350 8 Vinyl siding yes
2012 255,000 Shingles Roof 2,170 4 $500 Deductible 640 6 Stone Siding yes
1991 300,000 Wood Shake Roof 2,030 3 $500 Deductible 690 5 Wood siding yes
1981 205,000 Wood Shake Roof 1,600 3 $500 Deductible 630 7 Stucco siding yes
1996 410,000 Asphalt Shingles Roof 2,530 4 $500 Deductible 920 6 Fiber-Cement Siding No
2008 385,000 Shingles Roof 3,170 4 $1000-$2500 Deductible 950 10 Vinyl siding yes
1985 500,000 Shingles Roof 3,090 5 $500- $1000 Deductible 960 4 Vinyl siding yes
2010 180,000 Slate Shingles Roof 1,330 3 $500 Deductible 360 5 Wood siding yes
1996 470,000 Slate Shingles Roof 4,270 5 $500- $1000 Deductible 170 1 Stucco siding No
1995 365,000 Slate Shingles Roof 2,250 3 $5000 to $10,000 Deductible 810 9 Vinyl siding yes
1995 275,000 Membrane Roof 2,100 4 $500- $1000 Deductible 290 3 Brick siding No
1989 300,000 Composition Roof 2,130 3 $5000 to $10,000 Deductible 220 2 Vinyl siding yes
1982 205,000 Wood Shake Roof 1,540 3 $5000 to $10,000 Deductible 200 4 Vinyl siding No
1993 290,000 Asphalt Shingles Roof 2,440 4 $500 Deductible 1300 12 Vinyl siding No

Latest Home Insurance Reviews

Allstate
I would, recommend our insurance company to others due to it's prompt and excellent service whenever we have had to call them, as well as their extensive and customizable coverage options.
Geico
I would say that is was bad usually they try to save money and hire some strange people that dont even live here in the Us so they dont know how to deal with people and overall dont care.
Travelers
I believe any insurance company could match the policy offerings I get with Travelers, which is why I think their rates and customer service are so important. They don't offer anything special that I am aware of.
State Farm
Customer service is good all the time. the agents are knowledgeable and guide the customers in the correct path. their rates also very competitive.
State Farm
I have had State Farm Home Insurance for 8 years now. It is very easy to file a claim with them. If you have an issue they are quick to come and evaluate your issue.Their customer service is always top notch, so I would give them a 5.
Progressive
I have had no issues with our insurance provider for home owner's insurance. The process has been straightforward and easy. The price is competitive with a large amount and low deductible.This would be easier if it were monthly as I do my car insurance monthly as well.
Travelers
Their local business which makes me feel good both because i'm supporting my community and it makes me feel like they're invested in my community as well.
Liberty Mutual
I struggled with canceling a policy. i eventually had to send in an email requesting that they cancel it for me.
Geico
I like the cost. geico was very reasonably priced and easily integrated into my existing mortgage payments. i have peace of mind about my home for a relatively low price.
State Farm
I think state farm may be expensive compared to other companies. Specifically, on my home insurance, I keep seeing the premium increase substantially each year (including my previous home insured with them). I have thought several times about getting a quote from a competitor to see the cost difference.
State Farm
They are great, friendly and easy to work with. It is easy to file claims and pay my bill. They also work with you when life happens.
Kentucky Farm Bureau
I HAVE NO COMPLAINTS IN GENERAL ABOUT INSURANCE COMPANY, HOWEVER, I WOULD HAVE LIKED TO HAVE BEEN INFORMED WHY THE RATE INCREASE OCCURRED.
Allstate
home insurance company is based on the sustain development which are been based by the companys customer service executive are been well handeled in the perspective company

How To Make Your Pewee Valley, KY Home Insurance Cheaper

How Much Does Pewee Valley, KY Home Insurance Cost?