Erlanger Homeowners Insurance

What Your Erlanger Homeowners Insurance Policy Needs

Find the right homeowners insurance policy for you.

It's hard to consider Erlanger a piece of Kentucky when it's located so close to both Indiana and Ohio. The city offers an incredible range of activities and opportunities for its 18,526 residents. Many are proud to call Erlanger, KY home — and take pride in having personal property and homes in the area. Our Independent Insurance Agents want to aid Erlanger homeowners in safeguarding against unexpected events by providing comprehensive homeowners insurance. Our agents will take your information, explain the risks you face and find a policy that fits your needs and budget.

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

Living in Kentucky may automatically give you a relatively lower home insurance rate when compared with the rest of the nation, but each individual home has its own factors that determine how much you will pay to protect one of your most valuable assets. Do you live in a brand-new home? How close is the nearest fire station? Do you have a swimming pool in the backyard? You may be surprised at what goes into your Erlanger home insurance rate. That's where an Independent Insurance Agent can help ease confusion and find the most affordable, comprehensive coverage for your home.

Erlanger Second Home and Vacation Home Insurance

Because Erlanger is located in such close proximity to three major Midwestern states, it's no surprise that many choose to have second or vacation homes in the area. But many may not realize how important it is to protect it with just as much security as a primary home. Typically, premiums and rates are higher for these properties since there is no round-the-clock resident or because the home is located in a desirable location. Talk to an Independent Insurance Agent to ensure you're taking the necessary precautions and have the appropriate coverage for your second or vacation home.

Number of Thefts in Kentucky

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

Erlanger home insurance typically covers any damage from burglary, including dwelling protection for broken windows and doors as well as coverage for stolen personal property. Although burglaries are less likely to happen in Kentucky than in other parts of the U.S., you don't want to be caught in an unfortunate situation if a break-in happens. Ask your local agent about protection and dollar limits so you know where you stand.

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

The smallest of events can cause big damage, and you don't want to be caught off guard if an unforeseen storm rolls through. Tornadoes are by far the biggest threat in Kentucky, but other catastrophes such as flooding, landslides, and rockslides can happen just as easily. The best homeowners insurance covers any repair or remodeling you have to do after a natural disaster so you and your family can stay financially stable.

What Are the Risks in Erlanger?

Tornadoes present the largest natural risk to Erlanger homeowners, with flooding as a close second. But the proper protection can give you a safety net in the event of something so unexpected. Other than natural disasters, unwanted scenarios including burglaries and break-ins should also be a concern. You can take preventative measures such as keeping your porch light on or installing an alarm system, but a comprehensive home insurance policy gives you the most safety.

Compare Erlanger Home Insurance Quotes

As you can see, home insurance is no walk in the park. Having an Insurance Agent by your side to discuss your risks will help you get through the process. Our agents take your specific information and compare a number of quotes in order to find you the most affordable and comprehensive policy possible. Learn how you can protect your Erlanger home with the best home insurance policy possible.

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