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Jefferson Homeowners Insurance

What Your Jefferson County Homeowners Insurance Policy Needs

Find the right homeowners insurance policy for you.

Ann Herro | March 15, 2020

Jefferson County, KY is a great place to settle down and raise a family. With easy access to all the big city amenities of Louisville and the quiet option of suburban neighborhoods, it’s a growing area where many choose to put down roots and even invest in their first home. Whether you are an experienced homeowner or a first-time buyer, you need a reliable homeowners insurance policy to protect you in case of disaster. Our Independent Insurance Agents have firsthand knowledge about life in Jefferson County, and they can work alongside you to determine what kind of policy will best protect your family from serious risks.

Cost of Homeowners Insurance in Kentucky

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

When it comes to homeowners insurance premiums, Kentucky falls right in the middle of the national average. The exact rate for a Jefferson home insurance policy can vary quite a bit depending on the age of your home, its location and any special risk you may have like an aggressive dog, a swimming pool or a trampoline.

Number of Thefts in Kentucky

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

Jefferson County is generally a pretty safe place to live in, with fewer thefts than many other areas in the United States. However, no one is immune from break-ins, and if a break-in happens to you, you will be thankful to have a comprehensive homeowners insurance policy in place to cover the cost of any items that are stolen.

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

While Jefferson County might be a pretty safe community in general, natural disasters can still pose a serious threat. Tornadoes, in particular, can be a major risk factor that can leave a trail of devastation with just a few moments of notice beforehand. If a tornado strikes in Jefferson County, you will need a homeowners insurance policy in place ahead of time to cover any damage to your property. With 17 tornadoes sweeping across Kentucky each year, you just cannot afford to skimp on homeowners coverage.

What Are the Risks in Jefferson?

Jefferson homeowners and families face dozens of property risks every single day. Disaster can strike at any moment. A tornado could touch ground in your neighborhood, sending a tree down onto your roof. A simple summer storm could be devastating if lightning strikes your house. A burglar could target your home while you’re enjoying that annual vacation and take your appliances, electronics or jewelry. These are the risks that Jefferson homeowners face every single day. The only way to combat the risks and ensure that you are properly covered is to choose a comprehensive home insurance policy to help you recoup your losses in case of disaster.

Compare Jefferson County Home Insurance Quotes

Home insurance policies for residents in Jefferson County can vary significantly based on the size and location of their home. The only way to be certain that you have the best coverage possible is to take the time to collect quotes and compare premium rates and benefits. Our Independent Insurance Agents make this process a little easier. They can offer you multiple coverage options and price ranges so you can really weigh your choices and find the homeowners insurance policy that is right for you and your property.

Now, who's ready to get their insurance problems solved?