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Bowling Green Homeowners Insurance

What Your Bowling Green Home Insurance Policy Needs

Find the right home insurance policy for you.

Ann Herro | March 15, 2020

Recently, Forbes Magazine included Bowling Green as one of the "Top 25 Best Places to Retire in the United States." When you choose to put down roots in this city, you'll have easy access to Western Kentucky University and numerous manufacturing jobs for well-known companies like General Motors and Fruit of the Loom. Bowling Green is a wonderful place to live and work, but it also carries some risk, including a moderate crime rate and occasional tornado threats. If you choose to live in this picturesque city, make sure you are covered with comprehensive Bowling Green homeowners insurance. 

Looking for a home insurance policy can seem like a monumental task. Just the first step of gathering quotes can be a challenge. Instead of spending hours on the phone with one insurance agency after the next, contact an Independent Insurance Agent. Our friendly agents can quote from multiple homeowners insurance policies and provide you all of your coverage options in one place. It just takes one phone call to one helpful agent, and you're on your way to reliable Bowling Green home insurance.

Cost of Homeowners Insurance in Kentucky

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

When you buy a home in the Bluegrass State, you might be pleasantly surprised to find that home insurance rates are a little lower than the national average. You can maximize your savings by gathering multiple policy quotes with the help of an Independent Insurance Agent. Your personalized premium will be determined by several factors like where you live, the size and age of your home, and whether you have any special risks like an aggressive dog breed or a swimming pool.

Number of Thefts in Kentucky

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

As a general rule, Kentucky has fewer theft reports than the national average, but Bowling Green does have a moderate crime rate. As the third-largest city in Kentucky, the potential for break-ins is definitely a concern for homeowners. You can take precautions like locking your doors and installing a security system, but ultimately, the best way to protect your home from theft is with a comprehensive Bowling Green homeowners insurance policy.

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

Lying in the heart of America, Kentucky is a prime candidate for severe weather during the summer months. Tornadoes and severe thunderstorms cause damage to thousands of homes across Kentucky each year. Weather is unpredictable, so make sure you are covered with a home insurance policy in case you have property damage during a catastrophe.

What Are the Risks in Bowling Green?

Bowling Green experiences an average of one tornado each year, with 83 significant tornadoes touching down in the city since 1950. In 1970, a massive F4 tornado blasted through Bowling Green causing 85 injuries and three deaths. Even one tornado per year is a significant risk for homeowners. In the blink of an eye, your home can experience extreme damage, so make sure you are covered in advance with reliable Bowling Green homeowners insurance.

Compare Bowling Green Home Insurance Quotes

Selecting the right home insurance policy begins with comparing your options. Our Independent Insurance Agents can offer you personalized quotes from multiple policies so you can weigh the pros and cons and determine which plan is right for your home. If you're ready to find affordable comprehensive homeowners insurance for your home in Bowling Green, contact an Independent Insurance Agent today.

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