Richmond Insurance Rates:

Richmond, KY homeowners insurance is approximately $664 to $904, about $55-$75/month. Our extensive guide reveals consumers can save upto $314 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Farmer's Insurance
The insurance salesman is very congenial and he was great in finding me the most affordable rate. He also described the programs well and made it all very easy to understand.
Metlife
I do not like that metlife did not provide additional discounts for the features that i added to the house to make it more "secure" and "safe".
Geico
The seem very honest and even when i over payed one time they send me a cheque back with the amount i over payed.
Kentucky Farm Bureau
Overall i am very happy with kfb insurance. they are a nice and friendly business that makes me feel happy to be a customer.
State Farm
I would have to say that I am satisfied with the customer service. I am also satisfied with the billing and how the bill is easy to read and uncomplicated. I also know that if I want other services, State Farm is there to provide me with a variety of options (life insurance, mortgage etc.).
Kentucky Farm Bureau
I like the company. I have not had any issues with them so far but have not had to use their services either. I don't like that my premium has slowly gone up each year.
Horace Mann Educators Corporation
I have the coverage needed, They serve the purpose of my home needs. Convenient payment, yearly through my tax escrow account.
Allstate
I don't really have anything I dislike about Geico but I haven't really used them for a long length of time.
Grange Insurance
the first home owners insurance policy and I am happy with the amount paid for the premium as well as the deductible. At this time I wouldn't be able to compare based on experience.

Richmond, KY Homeowners Insurance By Home Value

Richmond, KY Home Value Total Homes % of Total Average Richmond, KY Homeowners Insurance
Less than $50,000 800 11.0% $125
$50,000 to $59,999 148 2.0% $266
$60,000 to $69,999 137 1.0% $329
$70,000 to $79,999 296 4.0% $376
$80,000 to $89,999 270 3.0% $431
$90,000 to $99,999 250 3.0% $478
$100,000 to $124,999 606 8.0% $557
$125,000 to $149,999 1,003 14.0% $698
$150,000 to $174,999 1,322 18.0% $824
$175,000 to $199,999 732 10.0% $949
$200,000 to $249,999 835 11.0% $1146
$250,000 to $299,999 523 7.0% $1397
$300,000 to $399,999 227 3.0% $1774

Top Home Insurance Agents Near Richmond, KY

Home Insurance Company Near Richmond, KY Homeowners Insurance Agency Near Richmond, KY Address
NA Middlefork Insurance Agency, Inc. 21 Ky 11 S , Booneville, KY, 41314
Nationwide Donald Brian Darnell 448 W Main St, Danville, KY, 40422-1813
State Farm Grant Rea 401 East Washington Street, Georgetown, KY, 40324-1732
State Farm Jack Williams Jr 443 S 4th St, Danville, KY, 40422-2006
State Farm Michael Cayse 193 E Brannon Rd, Nicholasville, KY, 40356-8060

Richmond, KY Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Richmond, KY

Streets in Richmond Area Homeowners Insurance Cost
Banyan Blvd, Gibson Ln, Idylwild Dr, Lac Ct, Geri Ln, Bennet Pl, Willis Branch Rd, Battlefield Cir, E Irvine St, N Fairview St$772
Dixie Plz, Cresent Hill Dr, Tipton Ct, Alycia Ave, Keri Ann Ct, S 3rd St, Ballard Dr, Worthington Pl, Citation Ct, Paula Dr$786
Indian Mound Dr, Jack Marie Dr, E Locust St, N Poplar St, Virginia Ave, Teakwood Dr, Amanda Ct, Duncannon Ln, Spring St, S Keeneland Dr$769
Barbaro Ct, Hickory Dr, Highland Park Dr, Luxon Dr, Prewitt Dr, Derby Chase Dr, Cherokee Ln, Bradbury Pointe Dr, Loblolly Ln, Jennifer Dr$799
W Blair Ave, Iva Dr, State Hwy 1156, Marland Manor Dr, Hampton Way, Spurlin Trailer Ct, Jemima Dr, North St, Lori E Ln, Eastern Vw$781

Richmond, KY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Richmond$117 to $120
Madison County$116
Kirksville$118
Waco-Bybee$115

Richmond, 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
Madison County, Kentucky $116 $155 $233
Kirksville CCD, Madison County, Kentucky $118 $157 $236
Waco-Bybee CCD, Madison County, Kentucky $115 $153 $230

Richmond, 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
Richmond, KY5.5%18.2%
Madison County5.48%19.65%
Kirksville4.99%19.92%
Waco-Bybee5.18%22.43%

Richmond Renters Insurance as a Percentage of Rent

Richmond Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 114 1.0% $335
$200 to $299 442 5.0% $785
$300 to $499 2,216 28.0% $1235
$500 to $749 3,077 39.0% $1910
$750 to $999 1,133 14.0% $2660
$1,000 to $1,499 637 8.0% $3785
$1,500 or more 116 1.0% $5435

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

Home value ($) Construction type Age of home Company premium ($)
125,000 Frame 29 years California Casualty General Insurance Company Of Oregon 724
150,000 Brick Veneer 19 years Qbe Insurance Corporation 499
250,000 Masonry 9 years Travelers Commercial Insurance Company 544
250,000 Masonry 9 years Allstate Prop & Cas Ins Co 1,456
150,000 Brick Veneer 19 years Allstate Property & Casualty Insurance Company 849
125,000 Frame 29 years Automobile Insurance Company Of Hartford Connecticut 429
250,000 Masonry 9 years Liberty Insurance Corporation 1,080
250,000 Masonry 9 years Ohio Casualty Insurance Company 1,906
250,000 Masonry 9 years Pacific Indemnity Company 1,108
250,000 Masonry 9 years Vigilant Insurance Company 1,773

Richmond, KY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$900$2,900
Yearly Richmond Homeowner Insurance Premium Example $1,300$900
Out of Pocket Expense During Claim$900$2,900
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $11,300$10,100
Net Savings to Richmond Home Owner from High Deductible Plan $1,200

Richmond, KY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Richmond, KY Home Replacement Value MORE than Home Value Richmond, KY Home Replacement Value LESS than Home Value
Replacement Value $197,000 $145,500
Insurance Premium based on Replacement Value $875 $650
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $21,500 Risk Exposure from Under Insuring Coverage is $30,000
Premium Impact Insurance cheaper by $150/year Insurance costlier by $75/year

Example Richmond Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyState FarmLiberty Mutual
Monthly Premium 12316542
Year Built 200620111980
Home Details 4 Beds, 1 Baths5 Beds, 1 Baths2 Beds, 1 Baths
Coverage Amount $250000-$300000$350000-$400000$100000-$125000
Deductible $500- $1000 Deductible$1000-$2500 Deductible$1000-$2500 Deductible

Sample Home Insurance Rates for Richmond, 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 130,000 Membrane Roof 1,320 2 $2500-$5000 Deductible 580 12 Stucco siding No
1988 140,000 Wood Shake Roof 1,310 2 $500- $1000 Deductible 480 7 Stone Siding No
2013 260,000 Composition Roof 3,230 5 $1000-$2500 Deductible 330 5 Stucco siding No
1975 185,000 Tile Roof 2,210 5 $500 Deductible 300 4 Wood siding No
1996 220,000 Metal Roof 2,050 5 $500 Deductible 1100 10 Stone Siding yes
2002 270,000 Slate Shingles Roof 2,670 4 > $10,000 Deductible 160 4 Wood siding No
1995 205,000 Metal Roof 2,540 4 $1000-$2500 Deductible 810 9 Wood siding yes
2002 275,000 Composition Roof 3,100 4 $2500-$5000 Deductible 90 1 Vinyl siding yes
2009 190,000 Wood Shake Roof 1,910 3 $500 Deductible 460 7 Stucco siding yes
1988 115,000 Composition Roof 1,340 2 $1000-$2500 Deductible 230 6 Vinyl siding No
1986 120,000 Metal Roof 1,150 2 $500 Deductible 280 5 Vinyl siding yes
1975 125,000 Asphalt Shingles Roof 1,240 2 $500 Deductible 310 7 Brick siding yes
1970 200,000 Slate Shingles Roof 1,980 3 $2500-$5000 Deductible 140 3 Brick siding No
2010 255,000 Asphalt Shingles Roof 2,620 4 $5000 to $10,000 Deductible 280 4 Brick siding No
2001 160,000 Asphalt Shingles Roof 1,450 2 $500- $1000 Deductible 70 1 Stone Siding yes
2012 250,000 Asphalt Shingles Roof 2,860 4 > $10,000 Deductible 580 12 Stone Siding No
2004 155,000 Shingles Roof 1,860 3 $5000 to $10,000 Deductible 270 7 Fiber-Cement Siding yes
2000 125,000 Metal Roof 1,630 3 $2500-$5000 Deductible 120 3 Stucco siding No
2013 160,000 Composition Roof 1,770 2 $500 Deductible 440 6 Stone Siding yes
2010 225,000 Slate Shingles Roof 2,030 4 $1000-$2500 Deductible 70 1 Fiber-Cement Siding No
2008 170,000 Membrane Roof 1,560 3 $500- $1000 Deductible 1220 12 Vinyl siding No
1980 185,000 Tile Roof 1,640 2 $5000 to $10,000 Deductible 490 9 Vinyl siding yes
1979 205,000 Asphalt Shingles Roof 1,940 4 $500 Deductible 370 5 Stucco siding No
1988 115,000 Wood Shake Roof 1,240 2 $2500-$5000 Deductible 240 6 Stucco siding No
1981 180,000 Slate Shingles Roof 2,000 3 $5000 to $10,000 Deductible 510 7 Fiber-Cement Siding No
2014 270,000 Wood Shake Roof 2,880 4 $2500-$5000 Deductible 410 6 Stucco siding No
1971 145,000 Slate Shingles Roof 1,640 5 $2500-$5000 Deductible 180 5 Fiber-Cement Siding No
2011 145,000 Slate Shingles Roof 1,840 3 $500 Deductible 390 7 Wood siding No
2012 130,000 Metal Roof 1,370 3 $1000-$2500 Deductible 230 4 Vinyl siding yes
1976 215,000 Asphalt Shingles Roof 2,280 4 $2500-$5000 Deductible 890 12 Vinyl siding No
2001 150,000 Metal Roof 1,470 2 $5000 to $10,000 Deductible 470 12 Vinyl siding yes
1996 335,000 Tile Roof 2,970 4 $2500-$5000 Deductible 920 9 Stone Siding No
1982 215,000 Tile Roof 2,280 3 $500 Deductible 1010 9 Stone Siding yes
1970 160,000 Composition Roof 1,760 5 $1000-$2500 Deductible 320 6 Brick siding No

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