Bardstown Homeowners Insurance

What Your Bardstown, KY Home Insurance Policy Needs

Find the right homeowners insurance policy for you.

If you’re looking for a slower pace of life and a charming small-town atmosphere, there’s no place that can compare to Bardstown, KY. USA Today recognized Bardstown as the “Most Beautiful Small Town in America,” and it remains a haven for southern hospitality and deep-rooted traditions. Homeowners in Bardstown enjoy many advantages, but they also have to contend with serious weather threats. From tornadoes to hail storms to wildfires, your home is always at risk, so make sure you’re prepared with a comprehensive Bardstown homeowners insurance policy.

Our Independent Insurance Agents specialize in helping local homeowners find the best coverages to protect against common threats. Our friendly agents will guide you through your home insurance options and help you select a reliable homeowners insurance plan that will protect your home in Bardstown. 

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

One of the advantages of living in Kentucky is the home insurance rates that trend below the national average. Of course, several factors influence how much you pay for homeowners insurance in Bardstown. Your home's location, size and age are all factored in when determining your customized rate.

Bardstown Second Home and Vacation Home Insurance

As more and more national attention is turned to Bardstown, it is quickly becoming a hot spot among tourists and curious vacationers. The city’s 16 Bed and Breakfasts offer beautiful accommodations, but nothing beats owning your own property in this scenic area. If you own a second home or a vacation home in Bardstown, our Independent Insurance Agents can help you find affordable home insurance coverage to protect against the most concerning local threats.

Number of Thefts in Kentucky

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

Kentucky’s crime rate trends well below the national average, but burglaries are still a common problem, especially among vacation homes. If your home is targeted by robbers or vandals, make sure you’re prepared by investing in comprehensive home insurance. Our Independent Insurance Agents will point you toward the policies that offer maximum protection against theft.

Number of Catastrophes in Kentucky

  • Number of catastrophes in Kentucky: 743
  • Number of tornadoes in Kentucky: 17
  • 1 in 15 insured homes has a claim each year

Even though Kentucky generally enjoys mild winters and pleasant summers, occasional weather threats can be a problem. Tornadoes are pretty common in the Bluegrass State, and homeowners have to take action in advance to be prepared. If a serious storm, flood or wildfire causes damage to your home, you can rely on your home insurance policy to step in and pay for repairs.

What Are the Risks in Bardstown?

Bardstown has a high risk for tornadoes and serious hail storms that can do major damage to local homes. There have been 82 tornadoes in Bardstown since 1950, including an F4 in 1974 that caused 81 injuries and 3 deaths. Every family in this area needs to think ahead and have an emergency plan in place to deal with tornadoes. Our Independent Insurance Agents can help you find a homeowners insurance plan that offers maximum protection from this common threat.

Compare Bardstown Home Insurance Quotes

If you want to get the best rates on Bardstown home insurance, your first step is to compare quotes. Our Independent Insurance Agents make that easier than ever before by offering quotes on multiple policies in one convenient place. Our experienced agents will help you compare your options and choose a homeowners insurance plan that will best protect your home against Bardstown’s most serious threats. 

Contact an agent to get your free quote on home insurance in Bardstown today.

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