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The issues listed mainly affect Laurel County, Kentucky Home Insurance Rates & getting on top of them can keep your costs really cheap.

Replacement Value of your home in Laurel County, KY is the biggest driver of your coverage & home insurance.

Here is a list of replacement costs & home insurance for Laurel County, KY & nearby areas

Place Typical Home Size Replacement Cost Monthly Home Insurance Cost
Laurel County 3 Beds, 2 Baths, 1520 sqft $75,000 $40
Fonde 2 Beds, 1 Bath, 1,670 sqft $107,000 $35
Fincastle, TN 4 Beds, 3 Baths, 3,190 sqft $241,000 $68
Gregory 2 Beds, 1 Bath, 920 sqft $76,000 $11
Harrogate, TN 4 Beds, 3 Baths, 2,410 sqft $135,000 $67
Crab Orchard 3 Beds, 2 Baths, 1,920 sqft $148,000 $53
Saxton 2 Beds, 1 Bath, 1,370 sqft $122,000 $39
McKee 2 Beds, 1 Bath, 1,180 sqft $115,000 $39
Beattyville 3 Beds, 1 Bath, 1,420 sqft $114,000 $43
Middlesborough 2 Beds, 1 Bath, 1,670 sqft $118,000 $36
St. Helens 4 Beds, 2 Baths, 1,800 sqft $103,000 $27
Mozelle 3 Beds, 2 Baths, 1,240 sqft $71,000 $32
Mount Vernon 4 Beds, 1 Bath, 2,300 sqft $137,000 $43
Trosper 2 Beds, 1 Bath, 1,010 sqft $65,000 $26
Hima 2 Beds, 1 Bath, 980 sqft $72,000 $27
Sandgap 2 Beds, 1 Bath, 1,720 sqft $111,000 $48
Cumberland Falls 4 Beds, 2 Baths, 3,370 sqft $242,000 $59
Dewitt 3 Beds, 2 Baths, 1,750 sqft $86,000 $33
Stanford 2 Beds, 1 Bath, 1,560 sqft $104,000 $48
Lee 2 Beds, 1 Bath, 1,010 sqft $65,000 $36
Shopville 2 Beds, 1 Bath, 1,370 sqft $70,000 $21

If your Laurel County, KY home has prior claims, your insurance is likelier to be higher

Here are some typical claims filed in Laurel County:

Claim Typical Claim Amount
OPTIONAL COVERAGE LOSSES $8,500
FIRE $56,500
HAIL $6,000

Your Laurel County, KY insurance agent (see examples below) can help with your claims.

  • Nationwide: Gary A. Campbell Insurance Agency Inc., 601 hwy 192 w, London, KY, 40744 (606) 878-0010
  • Liberty Mutual Independent: Cumberland Valley Ins Mgt Inc, 412 n broad st, London, KY, 40741 (606) 878-9110
  • Travelers: One Insurance Agency Llc, 440 old whitley rd, London, KY, 40744 Phone: 800-243-3405
  • State Farm: Judy Phelps, 715 s main st, London, KY, 40741-1903 606-864-4703
  • Allstate: Charles Cromer, 115 c v b dr ste 8, London, KY, 40741 (606) 877-4663

Your Background Impacts Your Home Insurance Quotes

Here is a list of Laurel County, KY homeowners with differing backgrounds & their changing home insurance.

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Full Time Job 700-749 Credit Score $25 to 50,000 No Pets, Non-Smoker $350
Retired 800-850 Credit Score <$25,000 3 Pets, Smoker $100
Freelancer 750-799 Credit Score >$150,000 2 Pets, Smoker $400