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Augusta Homeowners Insurance

What Your Augusta Homeowners Insurance Policy Needs

Find the right homeowners insurance policy for you.

Ann Herro | March 15, 2020

Situated in Kentucky’s Bracken County along the southern bank of the Ohio River, Augusta, KY is a very small home-rule-class city, with about 1,200 residents. The most famous person to come out of this small town is George Clooney, who graduated from Augusta High School. Those who choose to live here do so because they appreciate Augusta for its strong sense of community, its low crime rate, and its affordable housing. If you are among them and own your home, you will want to be sure to protect your investment with a suitable Augusta home insurance policy.

When you are shopping for an affordable policy to cover your Augusta home, you can turn to a local independent insurance agent in our network for help. These independent agents are able to gather Augusta homeowners insurance quotes from a variety of reliable providers so that it is easy for you to compare rates and find the best policy to meet your coverage needs. Find an agent near you to get started.

  • National yearly premium average: $1,034
  • Kentucky yearly premium average: $916
  • 27th most expensive premium in the U.S.

Homeowners in Kentucky pay lower-than-average rates for their home insurance coverage, but that doesn’t mean you don’t have room to find significant savings. The figures listed above can offer you a general idea of what you might expect to pay, but your actual quotes may be quite different. This is because the insurance companies you contact take a number of factors into consideration when they calculate your Augusta home insurance costs. These include but are not limited to the following:

  • The age, value, and rebuilding cost of the house you wish to insure
  • The building materials used in your home’s construction
  • The ZIP code where your house is located
  • Your insurance claims history
  • The amount of personal property coverage you wish to purchase
  • The amount of your deductible
  • Your eligibility for policy discounts

Each insurance company is likely to arrive at a different cost for your coverage, so it is a good idea to compare at least three Augusta homeowners insurance quotes before you make a selection.

Second Home and Vacation Home Insurance

Some residents in Augusta own a second home or a vacation home, and these properties need to be covered by their own home insurance policies. However, there are different considerations associated with properties such as these. For example, your vacation home may have lower contents coverage needs than your primary residence, but it may be in an area more prone to severe weather events or it may sit empty for several months out of the year. Second homes are sometimes used for the purpose of rental income. In this case, you need to purchase a landlord insurance policy in order to be properly covered. An agent can help you find the best policies for your extra properties.

Number of Thefts in Kentucky

  • National number of burglaries: 37,814
  • Kentucky number of burglaries: 26,213

The burglary rate in Kentucky is lower than the national average, and it is low in Augusta as well. In recent years, there were only seven burglaries reported in this city. That equates to about 5.85 burglaries for every 1,000 homes – less than the national average of 6.11 burglaries per 1,000 homes. In the unlikely event that your home is burglarized, you can take comfort in knowing that your Augusta homeowner insurance company covers your losses. You need to have an inventory of your lost or damaged items, as well as a copy of the police report when you file your claim. An insurance adjuster then reviews your claim and writes you a check to reimburse you for your losses.

Number of Catastrophes in Kentucky

  • Number of catastrophes in Kentucky: 743
  • Number of tornadoes in Kentucky: 17
  • Amount of property damage in Kentucky: $12,300,000
  • 1 in 15 insured homes has a claim each year

Catastrophic events, whether they are weather-related (such as a tornado) or accidental (such as a cooking fire or a gas explosion) can significantly damage or destroy your personal property. That is why you want to be sure that your Augusta home insurance policy has enough structural and contents coverage to enable you to rebuild and start over in the event of a total loss. Your agent can help you determine whether actual-cost or replacement-cost coverage is a better option and whether you need any special endorsements to cover particularly valuable property, such as jewelry and fine art.

What Are the Risks in Augusta, KY?

Property owners in Augusta should be wary of damage caused by storms, tornadoes, and floods. Violent thunderstorms can damage roofs and siding and can topple trees, which sometimes land on and damage property. Fortunately, your Augusta homeowners insurance policy covers damage such as this. Sometimes, however, the storms are accompanied by tornadoes. Tornado activity in the Augusta area is 26 percent higher than the national average, and while the risk is only moderate, a twister strikes can be very destructive. Your agent can help you review each potential policy to ensure that tornado damage is covered by whatever policy you choose.

Sometimes, heavy rains, coupled with snowmelts, can cause the Ohio River to overflow its banks and flood this area, as many residents remember happening in recent years. Unfortunately, flood damage is not covered by home insurance policies. If your home is at risk, your agent can help you get the coverage you need by supplementing your Augusta homeowners insurance policy with flood insurance through the National Flood Insurance Program (NFIP). Talk to your agent to learn more.

Compare Augusta Home Insurance Quotes

The only way you can be certain that you are purchasing your Augusta homeowners insurance policy at a reasonable price is by comparing costs and offerings from some competing insurance companies. Because many people find this to be too time-consuming and bothersome, they often skip this important step and then end up paying much more than they need to for their home insurance policies.

That is why you can benefit from contacting an independent insurance agent in our network. These agents make comparison shopping easy by doing the rate-inquiry work for you. That way, you can effortlessly compare Augusta homeowners insurance quotes for policies that have been customized to meet your specific needs. With offices conveniently located in and near Augusta, it is easy to find a local agent who can help you save money on your coverage.

Now, who's ready to get their insurance problems solved?