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Campbellsville Homeowners Insurance

Find the Right Campbellsville, KY Homeowners Insurance

Find the right homeowners insurance policy for you.

Ann Herro | March 15, 2020

On the edge of the broad Mississippian Plateau and the Bluegrass Region, no place is closer to the heart of Kentucky than Campbellsville. People are tied to the rich land by more than farming – there’s history here. Campbellsville, KY is a great place to settle down to raise a family as more people are discovering all the time. In order to have a home in Campbellsville, home insurance is a must. Your Independent Insurance Agent is your best bet to finding the homeowners insurance you need to protect yourself at the best cost. 

By getting to know your needs and obtaining multiple quotes from many carriers, your agent can get you the coverage you need at an affordable price so that you can enjoy the good life. Across the United States, homeowners pay an average of $1,034 on home insurance premiums. Kentucky is just a little bit cheaper at $913 per year, putting it 27th overall in cost – right in the middle. Every homeowners insurance policy is as unique as the home it is protecting. These are the things that determine the cost of your insurance:

  • Location - Campbellsville ranks low with a moderate tornado risk and low crime.
  • Size - A bigger home costs more to replace.
  • Home's age - Older homes are more likely to have electrical fires or plumbing breaks.
  • Type of construction - Wooden homes are more likely to suffer damage in a catastrophe.

Your Independent Agent can find the company that fits best with your home and its condition along with any other factors that are unique to your situation.

Campbellsville Second Home and Vacation Home Insurance

Generally, it’s best to cover any vacation home the same as you would your main residence. If you do opt for lower coverage, you are taking on the risk that your losses may not be covered. The biggest concern for second homes is the potential for higher rates of theft, given that no one is there to check up on the home. You can minimize this risk if you have a caretaker on hand to look after things for you. Many people opt for lower insurance overall on their second home, but they are taking on the risk of damage on their own. Insurance may be higher if the home is vacant much of the year depending on how it is secured.

Number of Thefts in Kentucky

Thefts from homes are much less likely in Kentucky, especially around Campbellsville, than just about anywhere else in the nation:

  • Nationally, there are 37,814 thefts reported yearly in the average state.
  • In Kentucky the average is 26,213 per year.

Your homeowners insurance automatically covers any damage to your house created by a burglar. It’s always a good idea to cover the contents of your home as well, however, and you can opt for a policy that includes the replacement cost of an item so that you can recover quickly from any loss due to theft. It’s critical to have homeowners insurance that fits your lifestyle.

Number of Catastrophes in Kentucky

The tornado risk in Campbellsville is moderate, but they do happen. For the state of Kentucky, these were the statistics from recent years:

  • There were 743 catastrophes reported in Kentucky.
  • This includes 17 tornadoes overall.
  • The insured property damage was $12,300,000.
  • Overall, 1 in 15 homes has a claim every year in the U.S.

After any storm, the cleanup is a long and tiring process. That’s why finding the best insurance in Campbellsville is about so much more than cost. Some insurance agencies are better suited to help you get back up and enjoying the good life quicker once the storm has passed, which is why an Independent Agent is so critical to finding the insurance that best fits your lifestyle.

What Are the Risks in Campbellsville?

With low crime and generally mild weather, there are not a lot of risks in Kentucky. As far as tornadoes are concerned, you need to be prepared for them with an adequate storm cellar that protects your family. It’s also important to make sure that you have separate protection against flooding if you live near a creek bed that is subject to flash floods when the summer rains really come down.

Compare Campbellsville Home Insurance Quotes

Contact your Independent Insurance Agent today to learn more about the Campbellsville homeowners insurance you need. Your agent will help you do what you can to lower your cost and help you find the best insurance coverage by scouring many different companies for the best-priced insurance for your home in Campbellsville.

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