Fort Thomas Homeowners Insurance

What Your Fort Thomas, KY Homeowners Insurance Policy Needs

(Find the right homeowners insurance policy for you.)

On the edge of horse country in the beautiful Ohio Valley, Fort Thomas, KY is a great place to live in. With Cincinnati so close by, nearly everything you could ever need is yours. With mild weather and relatively low home prices, this town gives you a lot of good reasons to own a home here. Owning a home here in Fort Thomas means insuring a home so that your investment is protected from a wide variety of risks. While the cost of insurance is not high, you may still want to shop around to save money and have the best policy for your lifestyle. 

Your Independent Insurance Agent can help you navigate your options and find the insurance that fits your home and your budget. Your agent will get you many quotes from different agencies so that you can compare them to find the one that covers you the best without hurting your wallet. Because of mild weather and no other common disasters, Fort Thomas home insurance is very affordable:

  • The national average in recent years was $1,034 for home insurance.
  • Home insurance averaged only $913 in Kentucky.
  • This puts the state 27th overall for homeowners insurance cost.

The cost of insuring your home is based on a number of factors, the most important being its size. As you might guess, it is more expensive to replace a larger home in case of storms or other damage. Historic homes like those you often find in Fort Thomas are also a bit more expensive to replace, driving insurance costs up. You’ll want to check on the cost for any particular property and shop around.

Fort Thomas Second Home and Vacation Home Insurance

Second homes for people who need to have easy access to Cincinnati or horse country do exist in Fort Thomas, although they are not common. If you do have a second home here, you will find it is best to insure it just as you would your primary home. You may decide not to insure the contents on a second home, but that means that you carry the risk of damage or theft yourself. Second homes can be more expensive to insure because of the potential for theft or vandalism. When no one is there to watch it all the time, there is more risk of something happening. You can keep this risk to a minimum by living in a gated community or a multi-family dwelling as well as having your own security system.

Number of Thefts in Kentucky

Thefts from homes are less common in Kentucky than in other states, which helps to keep the cost of a good policy down. The recent statistics are as follows:

  • The average among states was 37,814 break-ins.
  • Kentucky had 26,213 home thefts reported.

You can opt for many levels of coverage on the contents of your home, the most affordable being based on current value. There is also coverage at full replacement value if you want, which guarantees that in the case of theft, you can have everything replaced as if nothing ever happened in the first place. Your homeowners insurance pays for any damage on your property caused by a break-in no matter what.


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Number of Catastrophes in Kentucky

Kentucky has a low rate of major catastrophes due to a low rate of severe storms, except in the Far West. Around Fort Thomas, they are quite rare. There were not many reported in recent years:

  • In Kentucky, there were 743 incidents of loss due to catastrophes.
  • Only 17 tornadoes were reported.
  • Disasters still caused $12.3 million in damage.
  • 1 in 15 insured homes has a claim every year.

The low rate of widespread damage from catastrophes is the main reason Kentuckians enjoy low homeowner insurance rates. It’s still vital to be covered, however, because when a storm does hit, the damage can be severe. You want to get things repaired quickly so that you can go back to enjoying your life in Fort Thomas.

What Are the Risks in Fort Thomas?

Homeowners insurance covers much more than storm damage and theft. A swimming pool, for example, may be considered an “attractive nuisance” that can injure people on your property – whether invited or not. A trampoline falls into the same category. You can take steps to minimize this risk with a fence, and some insurance companies will lower the cost of your premium for that effort.

This is why the best insurance for you is not always the cheapest. Whether in how they clean up after a storm or how much credit they give you for improvements you make to lower your risk, every insurance company is as different as your home is. It’s important to know your insurance and to be sure that you have what you need.

Compare Fort Thomas Home Insurance Quotes

For all your homeowners insurance needs, there is no one more important than your Independent Agent. Because agents live here in Fort Thomas, they know which insurance companies will work with you and which are the most dependable after a storm or other event. They will also give you multiple quotes so that you can compare your options. 

Talk to them today for the best homeowners insurance for yourself.

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