Homeowners Insurance in Independence, KY

Experts break down homeowners insurance costs, coverage, companies, and more in Independence, KY.

Written by Candace Jenkins
Written by Candace Jenkins

Candace Jenkins is a licensed insurance advisor with over a decade of experience. She is also a writer and loves to write on all things insurance. Candace writes for TrustedChoice.com on a continuous basis and is here with the facts about all your insurance inquiries.

Reviewer: Jeffrey Green Reviewed by Jeffrey Green
Reviewer: Jeffrey Green
Reviewed by Jeffrey Green

Jeff Green has held a variety of sales and management roles at life insurance companies, Wall street firms, and distribution organizations over his 40-year career.  He was previously Finra 7,24,66 registered and held life insurance licenses in multiple states. He is a graduate of Stony Brook University.

Exquisite custom home with natural wood siding. Independence, KY Homeowners Insurance.

In Independence, Kentucky there are over 28,000 residents. When you own a property in Independence, then protection is critical. You'll need to contact an independent insurance agent for quotes to get a homeowners insurance policy.

An Independence, Kentucky independent insurance agent can help by rating your coverage through their network of carriers. They'll do the shopping while you get the best policy for your asset. Consider connecting with a local agent to get started.

What Is Homeowners Insurance?

Independence, Kentucky homeowners insurance provides coverage for your home, personal belongings, liability exposures, and more. You and your agent should carefully review this policy for accuracy. Your limits will be unique to your risk and property values.

What Does Homeowners Insurance Cover in Independence, Kentucky?

Every homeowners policy will be individualized to the owner and property. However, the coverages will remain the same with different limits selected based on your household. Check out the primary coverages that are included under each homeowners policy in Independence, Kentucky:

  • Personal property: Pays for the replacement or repair of your personal belongings.
  • Personal liability: Pays for bodily injury, property damage, or slander claims against a household member.
  • Additional living expenses: Pays for your temporary stay at another property when a claim renders your home unlivable. 
  • Medical payments: Pays for the first $1,000 to $10,000 of a medical expense when a third party gets injured on your property.
  • Dwelling limit: Pays for the replacement or repair of your home when a covered claim occurs.

Your property will also need coverage for flood damage. Not many insureds know that flood insurance is a separate policy that must be purchased independently. Without it, you'll be on the hook for any damage resulting from a flood.

Common Disasters Homeowners Insurance Covers in Independence, Kentucky

In Independence, Kentucky, your homeowners insurance will have coverage for catastrophes that may strike. Below are some commonly covered disasters:

  • Fire
  • Severe storms
  • Lightning
  • Wind
  • Hail
  • Theft and vandalism

Independence's weather-related statistics:

  • The number of natural disasters in Kenton County: 10
  • Major presidentially declared disasters: 6
  • Emergencies declared: 2

Let's look at the top three causes:

  • Floods: 5
  • Storms: 5
  • Tornadoes: 3

How Much Does Homeowners Insurance Cost in Independence, Kentucky?

The cost of your Independence, Kentucky homeowners insurance will vary. Premiums depend on several items; the only way to know exact rates is through quotes. Take a look at the risk factors carriers use when determining your home insurance pricing:

  • How new your house is
  • Your credit score
  • How close you are to a fire department
  • How close you are to a fire hydrant
  • The materials of your home
  • If you have a pool, trampoline, or pet
  • Where you live
  • How many claims you've filed
  • The square footage of your home
  • The cost to replace your home

Cheap Homeowners Insurance near Me

If you're looking for cheap home insurance in Independence, Kentucky, it will help to have a baseline. The average homeowners insurance premiums are listed below:

  • National average annual premium: $1,211
  • Kentucky average annual premium: $1,109

Consider bundling your policies with the same insurance company when you want to cut costs. This will reduce your premiums by 30% or more. Another way to save is by having good credit, safety features in your home, and no past claims.

What Are the Best Homeowners Insurance Companies in Independence, Kentucky?

When it comes to finding the best homeowners insurance, it starts with the best insurance companies. Below are some of the top carriers for home coverage in Independence, Kentucky:

Best Homeowners Insurance Companies in Independence, Kentucky Star Rating
5 star rating
5 star rating
4.5/5 star rating

These carriers receive high marks because of their superior coverage offerings and excellent customer service. To obtain quotes through these companies, consult an independent insurance agent for free.

How a Local Agent Can Help Find Homeowners Insurance in Independence, Kentucky

When you own a home, having proper coverage for all that life throws your way is important. You can select numerous limits, making it confusing if you're not a licensed agent. Fortunately, you don't have to obtain protection on your own. 

An Independence, Kentucky independent insurance agent can help for free. They run quotes through their network of top-rated carriers all at once. This saves you time and premium dollars, making it a no-brainer. Connect with a local agent to get started in minutes.

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