Harrodsburg Homeowners Insurance

(Find the right homeowners insurance policy for you.)

Ann Herro, Insurance Expert Written by Ann Herro
Ann Herro, Insurance Expert
Written by Ann Herro

Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.


As Kentucky’s oldest town, Harrodsburg is a popular choice for tourists interested in the history of the Bluegrass state. This city has many outdoor activities to offer, whether you want to water ski and hike for a day or spend the evening at a local winery. Homeowners in Harrodsburg, KY 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 Harrodsburg homeowners insurance policy.

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

  • 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 having home insurance rates that trend below the national average. When shopping for home insurance, it is always important to consider that several factors, including the size, age, and location of your home, determine your individual rate.

Harrodsburg Second Home and Vacation Home Insurance

As more and more national attention is turned to Harrodsburg, it is quickly becoming a hot spot among tourists and curious vacationers. The city’s 10 bourbon distilleries and over a dozen wineries are all within driving distance. In addition to the plentiful outdoor activities offered. This charming city is a great place to invest in a vacation property. If you own a second home or vacation home in Harrodsburg, our 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 agents will point you toward the policies that offer maximum protection against theft.


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Our independent agents shop around to find you the best coverage.

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

Kentucky’s weather is, for the most part, mild and even. However, residents do face some severe weather threats on occasion. 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 Harrodsburg?

Harrodsburg is at moderate risk for tornadoes, with an average of one each year. There have been 80 tornadoes in Harrodsburg since 1950, including an F4 in 1974 that caused 81 injuries and three deaths. It is important that each family make a plan ahead of time so they are prepared when the next tornado strikes. Our agents can help you find a Harrodsburg homeowners insurance plan that offers maximum protection from this common threat.

Compare Harrodsburg Home Insurance Quotes

If you want to get the best rates on Harrodsburg home insurance, your first step is to compare quotes. Our Independent Insurance Agents makes 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 Harrodsburg’s most serious threats. 

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

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