Horse Cave 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.


Horse Cave, KY is a small town in the state's Hart County that offers all the advantages of a large city with a small-town feel. Residents can enjoy the thriving economy in addition to a variety of job opportunities provided by a large number of manufacturing plants in this city. Horse Cave is a great place to buy a home and put down roots. However, residents can face serious weather threats on occasion. Make sure you are prepared with a comprehensive Horse Cave homeowners insurance policy. Our Independent Insurance Agents can help homeowners find maximum coverage for their property at a budget-friendly price. Our agents will help you navigate through all of your options for homeowners insurance and find the plan that is right for you.

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

Home insurance rates in Kentucky are on the low end compared with averages nationally. This is one proven advantage for residents in this state. It is always important to remember that several factors influence how much you pay for your Horse Cave insurance policy. The location, size and age of your home are all factored in when determining your customized rate.

Horse Cave Second Home and Vacation Home Insurance

Horse Cave is a natural hot spot for tourists. Most people flock to this area to explore places like the Hidden River Cave and the beautiful Mammoth Cave National Park. Imagine being able to enjoy these beautiful parks any time of the year by owning your own vacation property in Horse Cave. Our 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

The Bluegrass State has a crime rate that is well below the national average; however, burglaries can happen even in the safest of places on occasion. This can prove to be a problem, especially among unsupervised vacation or investment properties. 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

Severe weather threats are common in every state. Kentucky normally has very even weather year-round; however, on occasion, Mother Nature can be a huge problem. Tornadoes are pretty common for residents in the Bluegrass State, and homeowners have to take action in advance to be prepared. Make sure you are protected with a good home insurance policy so when the next storm hits, you can make the necessary repairs.

What Are the Risks in Horse Cave?

Horse Cave has a high risk for tornadoes, with an average of one each year. In 1974, a massive F4 ripped through the city, leaving 56 people injured and widespread damage to homes and businesses. Other common threats include severe thunderstorms during the summer months and icy weather during the winter months. With all this potential bad weather looming over residents, it is important that each family put in place an emergency plan. Independent insurance agents can help you find a Horse Cave homeowners insurance plan that offers maximum protection from this common threat.

Compare Horse Cave Home Insurance Quotes

In order to get the best rate for your home insurance in Horse Cave, you will want to compare rates for many different policies. Our Independent Insurance Agents are always available to show you multiple quotes on different policies in one convenient place. This saves you the time and headache of trying to navigate through the difficult process yourself. Our experienced agents will help you compare your options and choose a homeowners insurance plan that will best protect your home against Horse Cave’s most serious threats. 

Contact an agent to get your free quote today.

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