Hopkinsville 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.


Hopkinsville is the sixth-largest city in Kentucky, offering residents easy access to some of the best arts, culture and sporting events in the Bluegrass state. Located a short drive from all the amenities of Nashville, Hopkinsville, KY is the perfect place to put down roots and raise a family. The only downside to living in this area is the unpredictable weather. With an average of two tornadoes per year, you just can’t afford to skimp on Hopkinsville homeowners insurance.

By investing in the best home insurance policy, you can have peace of mind that you’re covered if your home is damaged in one of Hopkinsville’s severe storms. Our Independent Insurance Agents specialize in connecting Hopkinsville homeowners with the best home insurance coverage. Whether you’re looking for insurance for your primary residence or a vacation home, our Independent Insurance Agents can help.

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

Kentucky home insurance rates trend a little below the national average. Ultimately, your rate is determined based on several factors like the size and age of your home, the home's location and any special risk factors like a swimming pool or waterfront property. Our Independent Insurance Agents offer customized quotes that account for all of these variables so you can get a realistic look at what a home insurance policy costs in your Hopkinsville neighborhood.

Hopkinsville Second Home and Vacation Home Insurance

Choosing the best home insurance is especially important if you own a vacation home in Hopkinsville. Since you aren’t there to constantly monitor the property, it’s easy for a small water leak to become a major issue. Our Independent Insurance Agents are familiar with the obstacles you face as you shop for homeowners insurance for a second home, and they can help you find an affordable policy with enough coverage to give you peace of mind that your vacation getaway is always covered.

Number of Thefts in Kentucky

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

Hopkinsville’s crime rate is lower than the national average, but you still have to consider the potential risk of burglaries. Especially if you are insuring a second home where you aren’t checking in on the property each day. You just never know when a break-in might happen. Even if you lock your doors and install a top-notch security system, there’s no guarantee that your home won’t be victimized in the next round of break-ins. The best way to protect your home is with a comprehensive home insurance policy just in case.


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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

Kentucky is a prime target for severe storm systems, especially during the late summer months. It only takes one natural disaster to leave your home in ruins, and without homeowners insurance, how would you make repairs? Choosing a reliable home insurance policy means that you’ll always be ready to handle repair costs if a serious storm hits your Hopkinsville neighborhood.

What Are the Risks in Hopkinsville?

One of the biggest risks in Hopkinsville is tornadoes. There have been 102 tornadoes in this city since 1950, with an average of two per year. On April 2, 2006, a massive F3 tornado damaged 200 homes in Hopkinsville and injured 28 residents. After the storm disappeared, there were dozens of homes with downed trees, fallen power lines and no electricity. There was even a major gas line damaged during the storm that caused a dangerous leak across the city. If you live in Hopkinsville, you can’t be too careful. It always pays to be prepared for severe weather with comprehensive homeowners insurance.

Compare Hopkinsville Home Insurance Quotes

Far too often, homeowners in Hopkinsville settle for the first quote they receive on homeowners insurance. But in this case, it really pays to do your homework and compare quotes so you can find the best coverage at an affordable cost. Our Independent Insurance Agents provide multiple quotes in one convenient place so you have a detailed look at all of your options before you choose a policy that is right for you. When you have assistance from an agent, you will have the chance to compare all of your options and get the best coverage for the lowest price. 

Contact an Independent Insurance Agent today to learn more about how you can start saving on Hopkinsville home insurance and get your customized quote today.

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