Jamestown, KY 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.


The county seat of Kentucky’s Russell County, Jamestown is a very small “home rule-class” city of fewer than 2,000 residents. The people in the Jamestown community take pride in their low crime rate, strong work ethic, and involved leadership. It is little wonder that Jamestown, KY was voted the state's #1 Best Small Town for Raising a Family. If you own a home in this beautiful little town, you will want to be sure to protect your investment with a suitable Jamestown home insurance policy.

When you are shopping for affordable coverage for your Jamestown home, you can turn to an independent insurance agent in our network for help. These agents are able to gather Jamestown homeowners insurance quotes from a variety of reliable providers so that it is easy for you to compare rates and find the best policy to meet your coverage and budgetary needs. Find an agent near you to get started.

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

Homeowners in Kentucky pay lower-than-average rates for their home insurance coverage, but that doesn’t mean you don’t still have room to find big savings. You can use the figures listed above to get a general idea of what you might expect to pay, but your actual quotes may be quite different. This is because insurance companies take a number of factors into consideration when they calculate your Jamestown home insurance costs. These include but are not limited to the following:

  • The age, value and rebuilding cost of your home
  • The building materials used in the construction of your house
  • The ZIP code where your house is located
  • Your insurance claims history
  • The amount of contents coverage you wish to purchase
  • The amount of your deductible

Different insurance companies are likely to arrive at different prices for your coverage, so it is a good idea to compare at least three Jamestown homeowners insurance quotes before you make a selection.


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

Second Home and Vacation Home Insurance

Some residents in Jamestown own a second home or a vacation home, and these properties need to be covered by their own home policies. However, there are different insurance considerations associated with properties such as these. For example, your vacation home may have lower contents coverage needs than your primary residence, but it may be in an area more prone to severe weather or it may sit empty for several months out of the year. Second homes are sometimes used for the purpose of rental income. In this case, you need to purchase a landlord insurance policy in order to be properly covered. An agent can help you understand and evaluate your coverage needs so you can find the best policies for your extra properties.

Number of Thefts in Kentucky

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

The burglary rate in Kentucky is lower than the national average; and in Jamestown, it is even lower. In recent years, there were only five burglaries reported in this city. That equates to about 2.79 burglaries for every 1,000 homes – well below the national average of 6.11 burglaries per 1,000 homes. In the unlikely event that your home is burglarized, you can take comfort in knowing that you can turn to your Jamestown homeowner insurance company for compensation. Make sure you have made an inventory of your lost or damaged items and that you have a copy of the police report, as you will need these documents when you file your claim.


Save on Home Insurance

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
  • Amount of property damage in Kentucky: $12,300,000
  • 1 in 15 insured homes has a claim each year

There are a number of different ways that Kentucky residents can experience property damage to their homes including weather-related catastrophes, accidents (such as with a cooking fire) and property crime. Either way, you want to be certain that the Jamestown home insurance policy you choose provides coverage against all of the hazards that can potentially damage your home. You also want to make sure that you have purchased enough property coverage to enable you to rebuild and start over in the event of a total loss.

What Are the Risks in Jamestown, KY?

Properties in Jamestown are most at risk for damage caused by storms, tornadoes, and floods. Violent storms can produce damaging winds. Sometimes, these storms are accompanied by tornadoes, which can be especially damaging to area homes. In Jamestown, the risk of tornado activity is 33 percent greater than the national average. One of the worst tornadoes to strike in this area was an F4 twister that touched down 6.6 miles from the Jamestown city center in 1971. It injured 72, killed two and caused as much as $5 million in property damage. 

Most home insurance policies protect against storms and tornadoes, but some include exceptions or require you to purchase special endorsements, so be sure to review each potential policy with your agent before making a selection. Sometimes, heavy rains can lead to flash floods in this area. Unfortunately, flood damage is not covered by home insurance. The good news, if you are at risk, is that your agent can help you get the coverage you need by supplementing your Jamestown home insurance policy with flood insurance through the National Flood Insurance Program (NFIP). Talk to your agent to learn more.

Compare Jamestown Home Insurance Quotes

The only way you can be certain that you are purchasing your Jamestown homeowners insurance policy at a reasonable price is by comparing costs and offerings from competing insurance companies. Because many people find this to be too time-consuming and bothersome, they tend to skip this important step and then end up paying much more than they need to for their home insurance.

That is why it is a good idea to work with an independent agent in our network. These agents make comparison shopping easy by doing the rate inquiry-legwork for you. That way, you can easily compare Jamestown home insurance quotes for policies that have been customized to meet your specific needs. With offices conveniently located in and near Jamestown, it is easy to find a local agent who can help you save money on your coverage.

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