St. Matthews Insurance Rates:

St. Matthews, KY homeowners insurance is about $674 to $917, about $56-$76/month. Our exhaustive research indicates shoppers can save as much as $318 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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St. Matthews, KY Homeowners Insurance By Home Value

St. Matthews, KY Home Value Total Homes % of Total Average St. Matthews, KY Homeowners Insurance
Less than $50,000 94 2.0% $111
$60,000 to $69,999 87 1.0% $294
$70,000 to $79,999 70 1.0% $341
$80,000 to $89,999 89 2.0% $381
$90,000 to $99,999 156 3.0% $429
$100,000 to $124,999 445 10.0% $500
$125,000 to $149,999 566 12.0% $628
$150,000 to $174,999 798 17.0% $739
$175,000 to $199,999 687 15.0% $850
$200,000 to $249,999 776 17.0% $1025
$250,000 to $299,999 449 10.0% $1256
$300,000 to $399,999 206 4.0% $1597

Top Home Insurance Agents Near St. Matthews, KY

Home Insurance Company Near St. Matthews, KY Homeowners Insurance Agency Near St. Matthews, KY Address
NA Bennett & Bennett Insurance, Inc. 3837 Charlestown Rd New Albany, New Albany, IN, 47150
State Farm Gary Gilstrap 1054 Copperfield Dr, Georgetown, IN, 47122-9075
Travelers Kathy Hagan Insurance 237 CHAPLIN ROAD, BLOOMFIELD, KY, 40008
Liberty Mutual Matthew F Sturgeon 101 Bullitt Lane Suite 105, Louisville, KY, 40222
Liberty Mutual Independent Mcelroy Wharton & Boldrick Inc 126 E Main St, Springfield, KY, 40069

Cost Of Homeowners Insurance By Street Near St. Matthews, KY

Streets in St. Matthews Area Homeowners Insurance Cost
Wiltshire Ave, Basswood Ln, Crossridge Ln, Crossmoor Ln, Macon Ave, Washburn Ave, Lyndonwoods Cir, Two Springs Pl, Lotis Way, Clerkenwell Ct$804
Randolph Ave, Gullane Ct, Ambridge Cir, Gibson Rd, Windward Pl, Coach Gate Wynde, Don Allen Rd, Techny Ln, Watford Ct, Mirimar Rd$824
Applewood Ln, N Hubbards Ln, Mockingbird Gardens Dr, N Hubbards Ln, Brownlee Rd, Riverwood Dr, Washburn Ave, Kresge Way, Leland Ct, Girard Ct$787
Thompson Ave, Sundown Ct, Arterburn Ave, Weisser Ave, Herr Ln, Wellington Pl, Grandview Ave, Brunswick Rd, Ring Rd, Community Way$805
Dayton Ave, King Arthur Ln, Mayfair Ln, Mockingbird Ln, Caribou Way, Dovecrest Ct, Monohan Dr, Cordova Rd, McCarthy Ct, Staebler Ave$779

St. Matthews, KY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
St. Matthews$118 to $121
Richlawn$124
Norbourne Estates$135
Beechwood Village$121

St. Matthews, 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
Richlawn city, Kentucky $104 $139 $208
Norbourne Estates city, Kentucky $113 $150 $225
Beechwood Village city, Kentucky $102 $135 $203

St. Matthews, 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
St. Matthews, KY5.1%16.7%
Richlawn4.44%16.73%
Norbourne Estates3.27%13.18%
Beechwood Village4.76%16.27%

St. Matthews Renters Insurance as a Percentage of Rent

St. Matthews Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 104 2.0% $1230
$500 to $749 942 24.0% $1905
$750 to $999 1,726 44.0% $2655
$1,000 to $1,499 1,015 26.0% $3780
$1,500 or more 99 2.0% $5430

Average Cost Of Home Insurance By Company In Areas Nearby St. Matthews For Different Scenarios

Home value ($) Construction type Age of home Company premium ($)
250,000 Masonry 9 years American Commerce Insurance Company 1,055
250,000 Masonry 9 years Automobile Insurance Company Of Hartford Connecticut 737
250,000 Masonry 9 years Central Mutual Insurance Company 1,039
125,000 Frame 29 years Ohio Casualty Insurance Company 1,455
250,000 Masonry 9 years State Farm Fire And Casualty Company 1,452
250,000 Masonry 9 years Underwriters At Lloyd's London 1,079
150,000 Brick Veneer 19 years American Family Home Insurance Company 0
125,000 Frame 29 years Pharmacists Mutual Insurance Company 700
250,000 Masonry 9 years Shelter Mutual Insurance Company 1,653
150,000 Brick Veneer 19 years State Automobile Mutual Insurance Company 1,303

St. Matthews, KY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,200$2,200
Yearly St. Matthews Homeowner Insurance Premium Example $700$500
Out of Pocket Expense During Claim$1,200$2,200
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $6,800$6,200
Net Savings to St. Matthews Home Owner from High Deductible Plan $600

St. Matthews, KY Home Insurance Costs With Home Replacement Value Scenarios

Scenario St. Matthews, KY Home Replacement Value MORE than Home Value St. Matthews, KY Home Replacement Value LESS than Home Value
Replacement Value $250,500 $193,500
Insurance Premium based on Replacement Value $1,300 $1,000
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $34,000 Risk Exposure from Under Insuring Coverage is $23,000
Premium Impact Insurance cheaper by $125/year Insurance costlier by $175/year

Example St. Matthews Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyNationwide InsuranceChubb Group of Insurance
Monthly Premium 1985085
Year Built 197219531993
Home Details 5 Beds, 4 Baths3 Beds, 1 Baths4 Beds, 2 Baths
Coverage Amount $400000-$500000$200000-$250000$200000-$250000
Deductible $1000-$2500 Deductible> $10,000 Deductible$1000-$2500 Deductible

Sample Home Insurance Rates for St. Matthews, KY from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1963 140,000 Composition Roof 1,400 2 $500 Deductible 140 2 Wood siding No
1994 200,000 Metal Roof 1,740 5 $5000 to $10,000 Deductible 100 2 Brick siding No
1999 250,000 Shingles Roof 2,560 4 > $10,000 Deductible 130 2 Stone Siding yes
1974 105,000 Slate Shingles Roof 1,060 2 $500 Deductible 340 7 Vinyl siding yes
1960 165,000 Tile Roof 1,630 2 $5000 to $10,000 Deductible 400 9 Stucco siding yes
1983 155,000 Membrane Roof 1,620 3 $500 Deductible 110 2 Vinyl siding No
1956 310,000 Shingles Roof 3,150 4 > $10,000 Deductible 200 4 Stone Siding No
1979 210,000 Wood Shake Roof 2,000 4 $1000-$2500 Deductible 1030 12 Brick siding No
1999 285,000 Asphalt Shingles Roof 2,730 4 $500 Deductible 370 4 Stucco siding No
1986 135,000 Asphalt Shingles Roof 1,290 2 $2500-$5000 Deductible 150 3 Stucco siding No
1954 375,000 Slate Shingles Roof 3,260 5 > $10,000 Deductible 250 3 Wood siding No
1956 270,000 Asphalt Shingles Roof 2,380 3 $5000 to $10,000 Deductible 760 12 Brick siding yes
1982 140,000 Composition Roof 1,730 3 $500- $1000 Deductible 260 6 Vinyl siding No
1980 325,000 Membrane Roof 2,690 5 $2500-$5000 Deductible 670 7 Stucco siding yes
1971 210,000 Wood Shake Roof 2,100 4 $1000-$2500 Deductible 290 4 Fiber-Cement Siding yes
1952 95,000 Composition Roof 1,100 2 $1000-$2500 Deductible 80 3 Brick siding No
1950 195,000 Composition Roof 1,960 3 $5000 to $10,000 Deductible 170 3 Wood siding yes
1979 145,000 Metal Roof 1,770 2 $2500-$5000 Deductible 270 7 Stucco siding yes
1971 105,000 Composition Roof 1,150 2 $2500-$5000 Deductible 190 7 Wood siding No
1983 150,000 Asphalt Shingles Roof 1,810 4 $5000 to $10,000 Deductible 260 10 Wood siding No
1953 145,000 Membrane Roof 1,630 3 $500 Deductible 430 9 Stone Siding No
1978 165,000 Tile Roof 1,410 3 $1000-$2500 Deductible 510 10 Wood siding No
1980 445,000 Wood Shake Roof 4,120 5 > $10,000 Deductible 280 3 Fiber-Cement Siding yes
1985 105,000 Shingles Roof 1,210 3 $1000-$2500 Deductible 240 8 Vinyl siding yes
1991 180,000 Composition Roof 2,210 4 $500 Deductible 70 1 Wood siding No
1956 290,000 Asphalt Shingles Roof 3,190 4 $500 Deductible 460 4 Fiber-Cement Siding yes
1955 330,000 Metal Roof 3,010 5 $500 Deductible 660 5 Stone Siding yes
1956 155,000 Tile Roof 1,400 2 $500 Deductible 440 8 Wood siding yes
1994 485,000 Membrane Roof 4,160 5 $500 Deductible 2470 12 Stone Siding No
1970 180,000 Metal Roof 1,820 3 $1000-$2500 Deductible 660 8 Fiber-Cement Siding No