Prestonsburg Insurance Rates:

Prestonsburg, KY homeowners insurance is about $629 to $863, about $52-$71/month. Our comprehensive research shows customers can save upto $298 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Prestonsburg, KY Homeowners Insurance By Home Value

Prestonsburg, KY Home Value Total Homes % of Total Average Prestonsburg, KY Homeowners Insurance
Less than $50,000 854 26.0% $216
$50,000 to $59,999 253 7.0% $462
$60,000 to $69,999 271 8.0% $574
$70,000 to $79,999 162 5.0% $656
$80,000 to $89,999 175 5.0% $746
$90,000 to $99,999 239 7.0% $835
$100,000 to $124,999 324 10.0% $969
$125,000 to $149,999 115 3.0% $1208
$150,000 to $174,999 270 8.0% $1432
$175,000 to $199,999 102 3.0% $1656
$200,000 to $249,999 253 7.0% $1991
$250,000 to $299,999 130 4.0% $2431
$300,000 to $399,999 40 1.0% $3088

Top Home Insurance Agents Near Prestonsburg, KY

Home Insurance Company Near Prestonsburg, KY Homeowners Insurance Agency Near Prestonsburg, KY Address
NA Buchanan Co Ins Agcy 1343 Walnut St, Grundy, VA, 24614
Allstate Appalachian Ins Inc 789 US 23 N, Paintsville, KY, 41240
Erie Bray & Oakley Insurance Agency Inc 213 Main St, Logan, WV, 25601
Travelers Justice & Stamper Insurance Agency Inc 5445 MAYO TRAIL N, PIKEVILLE, KY, 41501
Allstate Tom Lykins Ins Inc 109 W Tom Hall Blvd, Olive Hill, KY, 41164

Cost Of Homeowners Insurance By Street Near Prestonsburg, KY

Streets in Prestonsburg Area Homeowners Insurance Cost
Abbott Creek Rd, Mart Meade Branch, Duncan St, Cr-3385, Wolfe Branch, Cliffside Cir, Harris St, Thistle Cv, Old Cliff Rd, Cardinal Dr$752
Half Ln, W Old Middle Crk Rd, College Ln, Lafferty Ln, Collins Hollow Rd, Jack Arnett Branch, Cr-1514D, New Allen Hill, Ashland Elizabeth Dr, Cr-1375$740
Kelly Ln, Cs-1129, Cr-1646, Bevins St, Old Entrance Big Branch Rd, Patch Ln, Thomas St, Calf Branch, E Friend St, Wells Dr$741
Auxier Hts, Rice Branch Rd, Club House Dr, Green Meadow Branch, US Hwy 23 N, Ridge Run, Thunder Ridge Ln, Maple Ave, Short Branch, McKenzie Ave$747
George Branch, Sunshine Ln, Dove Cove, Mayo Branch Brandy Keg, Musk Rd, N Central Ave, Earl St, Jenny Wiley Dr, Cr-1355, Harmon Rd$752

Prestonsburg, KY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Prestonsburg$111 to $114
Auxier$112
Dwale$108
Risner$111

Prestonsburg, 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
Auxier CDP, Kentucky $94 $125 $188
Dwale CDP, Kentucky $90 $120 $180
Risner CCD, Floyd County, Kentucky $93 $124 $186

Prestonsburg, 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
Prestonsburg, KY6.6%20.9%
Auxier5.57%21.56%
Risner5.36%27.07%
Martin4.31%24.83%

Prestonsburg Renters Insurance as a Percentage of Rent

Prestonsburg Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 175 11.0% $356
$200 to $299 88 5.0% $806
$300 to $499 290 19.0% $1256
$500 to $749 665 44.0% $1931
$750 to $999 192 12.0% $2681
$1,000 to $1,499 77 5.0% $3806

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

Home value ($) Construction type Age of home Company premium ($)
250,000 Masonry 9 years American Insurance Company (The) 1,694
125,000 Frame 29 years American Reliable Insurance Company 1,539
150,000 Brick Veneer 19 years Auto Club Property-Casualty Insurance Company 1,361
250,000 Masonry 9 years Hartford Accident And Indemnity Company 1,830
250,000 Masonry 9 years Sentry Insurance A Mutual Company 1,830
150,000 Brick Veneer 19 years Travelers Commercial Insurance Company 1,766
125,000 Frame 29 years Underwriters At Lloyd's London 0
250,000 Masonry 9 years American Commerce Insurance Company 1,613
150,000 Brick Veneer 19 years Twin City Fire Insurance Company 1,539
150,000 Brick Veneer 19 years Vigilant Insurance Company 1,244

Prestonsburg, KY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,000$2,000
Yearly Prestonsburg Homeowner Insurance Premium Example $700$500
Out of Pocket Expense During Claim$1,000$2,000
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $6,600$6,000
Net Savings to Prestonsburg Home Owner from High Deductible Plan $600

Prestonsburg, KY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Prestonsburg, KY Home Replacement Value MORE than Home Value Prestonsburg, KY Home Replacement Value LESS than Home Value
Replacement Value $97,500 $58,000
Insurance Premium based on Replacement Value $525 $325
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $24,500 Risk Exposure from Under Insuring Coverage is $15,000
Premium Impact Insurance cheaper by $75/year Insurance costlier by $125/year

Example Prestonsburg Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateLiberty MutualNationwide Insurance
Monthly Premium 309054
Year Built 201119702008
Home Details 2 Beds, 1 Baths3 Beds, 2 Baths4 Beds, 1 Baths
Coverage Amount $75000-$100000$200000-$250000$150000-$175000
Deductible $1000-$2500 Deductible$500 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1977 130,000 Metal Roof 2,200 3 $1000-$2500 Deductible 400 8 Stucco siding yes
2004 115,000 Composition Roof 2,210 4 $1000-$2500 Deductible 220 4 Vinyl siding yes
1980 100,000 Metal Roof 1,460 2 $500- $1000 Deductible 170 5 Brick siding yes
2003 85,000 Tile Roof 1,640 4 $1000-$2500 Deductible 270 10 Stone Siding No
2001 75,000 Composition Roof 1,230 2 $1000-$2500 Deductible 220 7 Wood siding yes
1971 80,000 Slate Shingles Roof 1,530 2 $1000-$2500 Deductible 90 3 Stone Siding yes
1979 120,000 Wood Shake Roof 1,650 2 $2500-$5000 Deductible 350 9 Wood siding No
2004 115,000 Wood Shake Roof 1,940 3 $2500-$5000 Deductible 310 6 Brick siding No
2014 205,000 Slate Shingles Roof 2,990 4 > $10,000 Deductible 360 7 Wood siding yes
1988 170,000 Metal Roof 3,170 4 $1000-$2500 Deductible 650 12 Wood siding yes
1980 205,000 Metal Roof 2,840 4 $5000 to $10,000 Deductible 50 1 Stucco siding yes
2007 135,000 Composition Roof 1,960 3 $500- $1000 Deductible 740 10 Brick siding No
2011 115,000 Metal Roof 1,580 2 $500 Deductible 200 4 Stone Siding yes
1999 200,000 Shingles Roof 2,640 4 $1000-$2500 Deductible 380 6 Stone Siding yes
1984 70,000 Membrane Roof 1,050 2 $1000-$2500 Deductible 290 8 Vinyl siding No
1970 100,000 Membrane Roof 1,390 2 $2500-$5000 Deductible 260 8 Stucco siding No
1977 150,000 Tile Roof 2,050 3 $5000 to $10,000 Deductible 130 3 Stone Siding No
1999 115,000 Slate Shingles Roof 1,900 3 $500- $1000 Deductible 360 9 Fiber-Cement Siding No
1986 90,000 Composition Roof 1,550 2 $500- $1000 Deductible 350 10 Brick siding yes
2013 180,000 Shingles Roof 2,470 4 $1000-$2500 Deductible 440 8 Fiber-Cement Siding No
2009 105,000 Membrane Roof 1,480 2 $2500-$5000 Deductible 260 12 Wood siding No
2014 115,000 Wood Shake Roof 1,920 3 $1000-$2500 Deductible 320 9 Brick siding No
2006 90,000 Composition Roof 1,280 3 $1000-$2500 Deductible 220 6 Wood siding yes
1979 100,000 Metal Roof 1,730 3 $500- $1000 Deductible 40 1 Vinyl siding No
2013 85,000 Tile Roof 1,490 2 $1000-$2500 Deductible 50 2 Vinyl siding No
1983 160,000 Membrane Roof 2,350 3 $5000 to $10,000 Deductible 130 3 Wood siding yes
2009 215,000 Wood Shake Roof 3,170 4 $2500-$5000 Deductible 200 3 Fiber-Cement Siding No
2004 75,000 Composition Roof 1,070 2 $2500-$5000 Deductible 130 6 Brick siding No
1971 95,000 Slate Shingles Roof 1,310 2 $500- $1000 Deductible 30 1 Stone Siding No
1997 160,000 Wood Shake Roof 2,170 4 $1000-$2500 Deductible 180 4 Brick siding No
1989 170,000 Shingles Roof 3,160 4 $1000-$2500 Deductible 620 8 Brick siding No
2011 135,000 Shingles Roof 1,780 2 $2500-$5000 Deductible 190 7 Wood siding yes