Somerset Insurance Rates:

Somerset, KY homeowners insurance is about $649 to $884, about $54-$73/month. Our extensive analysis reveals consumers can save as much as $306 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Liberty Mutual
I really enjoy the benefits they have given to us as long-time customers, they are very attentive and reactive whenever we need to contact them about questions or issues.
Cincinnati Insurance Co
They have been prompt but lately have done things like take pictures of my garage and asked me to trim back trees and repaint it. it's annoying a lot to me
Farm Bureau
I like the fact that they do not give me the "bad hands" treatment, like my previous insurer allstate did.

Somerset, KY Homeowners Insurance By Home Value

Somerset, KY Home Value Total Homes % of Total Average Somerset, KY Homeowners Insurance
Less than $50,000 1,265 13.0% $153
$50,000 to $59,999 429 4.0% $329
$60,000 to $69,999 387 4.0% $405
$70,000 to $79,999 642 6.0% $467
$80,000 to $89,999 588 6.0% $536
$90,000 to $99,999 522 5.0% $597
$100,000 to $124,999 1,207 13.0% $689
$125,000 to $149,999 1,120 12.0% $865
$150,000 to $174,999 1,169 12.0% $1026
$175,000 to $199,999 551 5.0% $1179
$200,000 to $249,999 647 7.0% $1424
$250,000 to $299,999 484 5.0% $1738
$300,000 to $399,999 223 2.0% $2206

Top Home Insurance Agents Near Somerset, KY

Home Insurance Company Near Somerset, KY Homeowners Insurance Agency Near Somerset, KY Address
NA Cundiff & Company Insurance, Inc. 525 Ogden St, Somerset, KY, 42501
Allstate Charles Cromer 705 W Highway 80, Somerset, KY, 42503
Liberty Mutual Independent Cumberland Valley Ins Mgt Inc 412 N Broad St, London, KY, 40741
Nationwide Donald Brian Darnell 448 W Main St, Danville, KY, 40422-1813
State Farm Tom Shelton 1260 S Highway 25 W, Williamsburg, KY, 40769-1690

Cost Of Homeowners Insurance By Street Near Somerset, KY

Streets in Somerset Area Homeowners Insurance Cost
Cabin Hollow Rd, Pitman Creek Rd, Spring Crest Dr, Fawn Run, E Plum St, Old Jacksboro Rd, Harts Place Dr, Lisa Dr, Mercer Rd, Nelson Valley Acres$739
McKenzie Rd, Hideaway Dr, Bryant St, Pumphouse Rd, Skyview Dr, Dogwood Ln, Ash St, Bobtown Rd, Chappel Dairy Rd, Country Hill Dr$807
W R Monday Way, Anderson Dr, Meadow Sweet Dr, Clover Pointe Dr, Linda Ln, McKinley St, Buck Dr, Cr-1988, Neighborly Way, Cr-1872$755
White Oak Cir, Freshman Aly, Morgan St, Keeney St, Burnett Rd, Roy Ham Rd, State Hwy 1674, State Hwy 1577, Ferry Rd, State Hwy 1642$790
Parkview Ct, Terry Ln, B Goff Rd, Jackson Rd, Shoreline Dr, Cedar Grove Ct, Creekside Dr, Fairway Ct, Surrounding Hills Dr, Omega Park Rd$763
Colebury Dr, Cr-1139C, Burdine St, College St, Bradens Way, Melrose Dr, Gover Mill Rd, Charley Beasley Loop, Troon Ct, Little Creek Rd$778
Cr-1358L, Grundy Rd, Williams St, W Bolton Dr, Cr-1358K, Knosp St, Lookout St, Spring Meadows Dr, Sandlewood Way, Pine Hill Rd$770
Isie St, Falcon Trl, Cr-1197Q2, Unity Hill St, Laura Ln, Spring Valley Dr, Crawford Ave, Ogden St, Freedom Way, Ky 2747$755
Graysons Way, Ironwood Dr, Hidden Valley Rd, Oak Grove Ln, Pulaski St, Columbia St, Cs-1131, Cooper Dr, Wood Ct, Ross St$793
State Hwy 769, Rolling Green Acres, Whisper Woods Dr, Bogle St, Cr-1562Q4, Farmer St, Shopfield Rd, Fourth Ward St, Falcon Vw, Quail Run$741

Somerset, KY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Somerset$114 to $117
Ferguson$112
Pulaski County$113
Mount Victory$109

Somerset, 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
Ferguson city, Kentucky $94 $125 $187
Pulaski County, Kentucky $95 $126 $189
Science Hill CCD, Pulaski County, Kentucky $95 $126 $189

Somerset, 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
Somerset, KY6.6%21.3%
Ferguson7.75%20.63%
Pulaski County6.69%22.18%
Science Hill6.87%21.46%

Somerset Renters Insurance as a Percentage of Rent

Somerset Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 315 6.0% $345
$200 to $299 407 8.0% $795
$300 to $499 1,005 19.0% $1245
$500 to $749 2,266 44.0% $1920
$750 to $999 863 17.0% $2670
$1,000 to $1,499 193 3.0% $3795

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

Home value ($) Construction type Age of home Company premium ($)
250,000 Masonry 9 years Aig Property Casualty Company 982
250,000 Masonry 9 years American National General Insurance Company 799
250,000 Masonry 9 years Amica Mutual Insurance Company 1,510
125,000 Frame 29 years First Liberty Insurance Corporation (The) 1,624
150,000 Brick Veneer 19 years Grange Property & Casualty Insurance Company 542
250,000 Masonry 9 years Liberty Insurance Corporation 1,248
250,000 Masonry 9 years Aegis Security Insurance Company 0
125,000 Frame 29 years Fireman's Fund Insurance Company 1,451
250,000 Masonry 9 years Grange Mutual Casualty Company 2,511
250,000 Masonry 9 years Guideone Elite Insurance Company 938

Somerset, KY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$900$2,900
Yearly Somerset Homeowner Insurance Premium Example $1,000$600
Out of Pocket Expense During Claim$900$2,900
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $7,900$7,100
Net Savings to Somerset Home Owner from High Deductible Plan $800

Somerset, KY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Somerset, KY Home Replacement Value MORE than Home Value Somerset, KY Home Replacement Value LESS than Home Value
Replacement Value $179,500 $138,500
Insurance Premium based on Replacement Value $1,050 $825
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $24,500 Risk Exposure from Under Insuring Coverage is $16,500
Premium Impact Insurance cheaper by $100/year Insurance costlier by $125/year

Example Somerset Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateErie InsuranceNationwide Insurance
Monthly Premium 4152129
Year Built 199419882009
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths5 Beds, 3 Baths
Coverage Amount $125000-$150000$175000-$200000$300000-$350000
Deductible $5000 to $10,000 Deductible$2500-$5000 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1974 140,000 Tile Roof 1,850 4 $500 Deductible 130 2 Brick siding No
2003 160,000 Asphalt Shingles Roof 1,960 3 $2500-$5000 Deductible 40 1 Brick siding No
1970 140,000 Tile Roof 2,140 3 $500- $1000 Deductible 180 3 Wood siding No
1982 155,000 Tile Roof 2,220 5 $500- $1000 Deductible 470 8 Stucco siding yes
2012 140,000 Asphalt Shingles Roof 1,660 3 $2500-$5000 Deductible 160 4 Fiber-Cement Siding yes
1979 140,000 Membrane Roof 1,970 3 $1000-$2500 Deductible 490 9 Vinyl siding yes
2007 330,000 Membrane Roof 4,200 5 > $10,000 Deductible 80 1 Vinyl siding yes
2011 100,000 Wood Shake Roof 1,200 3 $2500-$5000 Deductible 120 4 Fiber-Cement Siding No
1974 205,000 Slate Shingles Roof 2,730 5 $500 Deductible 430 5 Brick siding No
1997 115,000 Metal Roof 1,570 3 $1000-$2500 Deductible 290 8 Stone Siding No
1989 305,000 Composition Roof 3,290 4 $5000 to $10,000 Deductible 410 7 Wood siding No
1987 315,000 Asphalt Shingles Roof 4,890 5 > $10,000 Deductible 380 4 Wood siding yes
2008 125,000 Membrane Roof 1,920 3 $500- $1000 Deductible 390 10 Wood siding yes