Shelbyville Insurance Rates:

Shelbyville, KY homeowners insurance is about $666 to $907, about $55-$75/month. Our all inclusive research indicates shoppers can save as much as $314 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 meet the modern needs of the current living situation and they also offer stable service which is very reliable
Progressive
Customer service representative have always been friendly and able to answer all the questions i have or direct me to a person where i can get these questions answered. each person i've spoken to has been pleasant and i have not really had a bad experience.
Erie Insurance
One of the main reasons i went with erie insurance was because of the local agents and offices in my area. i like how easy it is to contact and communicate with both the agents and the offices in general.
Allstate
Their auto insurance is a little higher than others but with the bundle with the home insurance, they end up just slightly more. It did take a few days for a claims adjuster to come out. It was not same day or even next day which was slightly frustrating. It is a large company and they try to have a small feel but in the end, they are still a very large company.
State Farm
Always available to speak and answer any questions in a timely manner. Pleasant and professional on the phone. Good to hear in these days.
Alfa Insurance
Overall I really enjoy and respect this insurance company. They are timely, easy to communicate to, and most of all friendly people. I probably wouldn't switch insurance unless something major happens.
Erie Insurance
I have not compared my premium with other insurance companies lately. However, the premium keeps increasing each year.
Allstate
I like the app because I am able to see all of my policies at one time with no hassle. I can also update info and contact them.

Shelbyville, KY Homeowners Insurance By Home Value

Shelbyville, KY Home Value Total Homes % of Total Average Shelbyville, KY Homeowners Insurance
Less than $50,000 274 4.0% $117
$60,000 to $69,999 103 1.0% $322
$70,000 to $79,999 160 2.0% $369
$80,000 to $89,999 315 5.0% $416
$90,000 to $99,999 158 2.0% $471
$100,000 to $124,999 732 13.0% $542
$125,000 to $149,999 913 16.0% $683
$150,000 to $174,999 846 15.0% $809
$175,000 to $199,999 563 10.0% $935
$200,000 to $249,999 541 9.0% $1123
$250,000 to $299,999 443 8.0% $1367
$300,000 to $399,999 417 7.0% $1744

Top Home Insurance Agents Near Shelbyville, KY

Home Insurance Company Near Shelbyville, KY Homeowners Insurance Agency Near Shelbyville, KY Address
Travelers Griffith-Catlett-Hampton Inc 2250 THUNDERSTICK DR STE 1104, LEXINGTON, KY, 40505
State Farm Jeremy Graham 5438 New Cut Rd Ste 102, Louisville, KY, 40214-4544
Liberty Mutual Independent Lee & Marshall Ins. Inc. 143 S Buckman St, SHEPHERDSVLLE, KY, 40165
Nationwide Perry White Agency 11509 Shelbyville Rd STE D, Louisville, KY, 40243
Allstate Roger Lee Harness 3801 Springhurst Blvd Ste 105, Louisville, KY, 40241

Cost Of Homeowners Insurance By Street Near Shelbyville, KY

Streets in Shelbyville Area Homeowners Insurance Cost
Walnut St, McDaniels Rd, Tealwood Dr, Lucas Rd, Smithfield Rd, Edgemont Way, Mareli Rd, Blossom Cir, Kavenough St, Aqua Shores Dr$771
Tipperary Xing, Quail Call Dr, Lanter Dr, Hill N Dale Rd, Spring Dr, Lagrange Rd, Mulberry-Cropper Rd, Stream View Dr, Joyes Station Rd, State Hwy 1005$776
Sequoyah Dr, 10th St, Beards Ln, Knobview Dr, Sunrise Cir, Dublin Ln, Hunting Hills Dr, Bell Ave, Beechwood Ave, Amanda Dr$842
Oakview Dr, Baker Dr, Cambridge Dr, Northside Dr, Colony Dr, Brooks Industrial Rd, Abingdon Cir, Overlook Cir, Washington St, Twin Brook Ct$777
Alpine Rd, 5th St, Charleston Way, Finchville Rd, Burks Branch Rd, Squire Cir, O'Donohue Rd, Whodo-That-St, Shelly's Pl, Juniper Dr$800
Croquet Ln, Erie Ct, Nora Ave, High St, Benson Pike, Eminence Pike, Bellview Rd, Bellview-Clear Creek Rd, Lees Ct, Ohio St$789
Old Seven Mile Pike, Douglas Ct, Firestone Way, Medical Ave, Ashbourne Dr, Brassfield Cir, Woodlawn Rd, Mary Ross Ave, Martin Luther King Jr St, Clover Ln$792
Detention Rd, Hardesty Ln, Harmony Ct, Westview Dr, State Hwy 153, Dotland Cir, Thorn St, Robin Wood Dr, Oakwood Dr, Grey Hawk Dr$794
Lovall Ln, Joyes Station Rd, Seminole Dr, Windsor Dr, Fairway Crossing Dr, Illinois Ave, Smithfield Rd, Doss Ln, Moody Pike, Troon Ct$798
Stoney Point Rd, Harry Long Rd, McMakin McMullan Rd, Isaac Shelby Dr, Saint Regis Dr, B St, Chestnut St, Clear Creek Rd, Picketts Dam Rd, Cherry Ln$779

Shelbyville, KY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Shelbyville$117 to $120
Shelby County$118
Simpsonville$123
Harrisonville$117

Shelbyville, 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
Shelby County, Kentucky $99 $132 $198
Simpsonville CCD, Shelby County, Kentucky $103 $137 $206
Christianburg CCD, Shelby County, Kentucky $99 $131 $197

Shelbyville, 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
Shelbyville, KY5.3%17.6%
Shelbyville5.26%17.56%
Simpsonville3.95%14.31%
Christianburg4.09%15.79%

Shelbyville Renters Insurance as a Percentage of Rent

Shelbyville Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 139 4.0% $335
$200 to $299 129 3.0% $785
$300 to $499 322 9.0% $1235
$500 to $749 989 30.0% $1910
$750 to $999 999 30.0% $2660
$1,000 to $1,499 639 19.0% $3785
$1,500 or more 67 2.0% $5435

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

Home value ($) Construction type Age of home Company premium ($)
125,000 Frame 29 years Erie Insurance Company 610
125,000 Frame 29 years Hartford Fire Insurance Company 877
250,000 Masonry 9 years Property And Casualty Insurance Company Of Hartford 2,908
250,000 Masonry 9 years Rli Insurance Company 0
150,000 Brick Veneer 19 years Allstate Prop & Cas Ins Co 950
250,000 Masonry 9 years American Automobile Insurance Company 1,091
125,000 Frame 29 years American Commerce Insurance Company 916
150,000 Brick Veneer 19 years American Family Home Insurance Company 0
150,000 Brick Veneer 19 years Cincinnati Insurance Company 965
150,000 Brick Veneer 19 years Lm Insurance Corporation 1,253

Shelbyville, KY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,000$4,000
Yearly Shelbyville Homeowner Insurance Premium Example $1,500$1,000
Out of Pocket Expense During Claim$1,000$4,000
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $13,000$12,000
Net Savings to Shelbyville Home Owner from High Deductible Plan $1,000

Shelbyville, KY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Shelbyville, KY Home Replacement Value MORE than Home Value Shelbyville, KY Home Replacement Value LESS than Home Value
Replacement Value $172,500 $121,500
Insurance Premium based on Replacement Value $700 $475
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $16,500 Risk Exposure from Under Insuring Coverage is $34,500
Premium Impact Insurance cheaper by $150/year Insurance costlier by $75/year

Example Shelbyville Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualAllstateChubb Group of Insurance
Monthly Premium 868254
Year Built 201219941981
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 1 Baths
Coverage Amount $200000-$250000$200000-$250000$175000-$200000
Deductible $500- $1000 Deductible$500- $1000 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2012 130,000 Asphalt Shingles Roof 1,330 3 $500 Deductible 230 4 Wood siding No
1987 135,000 Membrane Roof 1,820 4 $500 Deductible 540 12 Vinyl siding yes
2007 180,000 Slate Shingles Roof 2,060 3 $2500-$5000 Deductible 310 7 Brick siding yes
1944 205,000 Wood Shake Roof 2,370 3 $1000-$2500 Deductible 730 12 Stone Siding yes
2009 125,000 Asphalt Shingles Roof 1,470 3 $500 Deductible 50 1 Stone Siding No
1980 185,000 Slate Shingles Roof 2,120 4 $500 Deductible 420 5 Fiber-Cement Siding No
1987 185,000 Membrane Roof 2,250 4 $500 Deductible 270 4 Wood siding No
1985 195,000 Asphalt Shingles Roof 1,820 4 $5000 to $10,000 Deductible 110 2 Brick siding No
2007 320,000 Membrane Roof 3,530 5 > $10,000 Deductible 150 2 Stone Siding No
2004 240,000 Slate Shingles Roof 2,530 4 $1000-$2500 Deductible 740 8 Wood siding yes
1940 335,000 Shingles Roof 3,060 5 > $10,000 Deductible 70 1 Stone Siding yes
2013 265,000 Asphalt Shingles Roof 2,640 4 $1000-$2500 Deductible 270 3 Stone Siding No
1983 140,000 Tile Roof 1,400 3 $1000-$2500 Deductible 400 8 Brick siding yes
2002 125,000 Tile Roof 1,270 3 $500- $1000 Deductible 290 7 Fiber-Cement Siding No
1990 145,000 Shingles Roof 1,550 3 $500 Deductible 440 9 Stone Siding yes
1945 200,000 Metal Roof 2,260 3 $2500-$5000 Deductible 390 8 Stucco siding No
2012 290,000 Composition Roof 2,630 4 $5000 to $10,000 Deductible 340 5 Fiber-Cement Siding yes
1943 345,000 Asphalt Shingles Roof 3,950 5 $5000 to $10,000 Deductible 610 8 Wood siding yes
1986 420,000 Shingles Roof 4,430 5 > $10,000 Deductible 460 5 Vinyl siding No
2012 160,000 Wood Shake Roof 1,890 3 $5000 to $10,000 Deductible 290 8 Vinyl siding yes
2010 130,000 Shingles Roof 1,240 3 $500- $1000 Deductible 170 4 Fiber-Cement Siding No
1990 130,000 Tile Roof 1,260 3 $1000-$2500 Deductible 240 5 Vinyl siding yes
1985 210,000 Membrane Roof 2,190 3 $1000-$2500 Deductible 360 4 Brick siding No
1945 280,000 Tile Roof 3,350 5 $500 Deductible 1390 9 Fiber-Cement Siding No
1983 165,000 Shingles Roof 1,820 3 $500- $1000 Deductible 380 9 Stone Siding yes
2008 270,000 Metal Roof 2,870 4 $500- $1000 Deductible 580 4 Fiber-Cement Siding yes
2000 390,000 Tile Roof 3,610 5 $500 Deductible 1100 7 Wood siding yes
2014 345,000 Composition Roof 3,280 5 $500 Deductible 860 6 Vinyl siding yes
1948 150,000 Wood Shake Roof 1,620 4 $5000 to $10,000 Deductible 160 4 Brick siding No
1948 245,000 Slate Shingles Roof 2,300 4 $1000-$2500 Deductible 500 6 Fiber-Cement Siding yes
1994 430,000 Asphalt Shingles Roof 3,890 5 $500 Deductible 1500 8 Fiber-Cement Siding No
1984 250,000 Wood Shake Roof 2,990 5 > $10,000 Deductible 100 2 Brick siding yes
1985 195,000 Membrane Roof 2,420 4 $5000 to $10,000 Deductible 320 5 Stucco siding No
2007 170,000 Metal Roof 1,930 4 $500 Deductible 60 1 Fiber-Cement Siding yes