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Lebanon Homeowners Insurance

What Your Lebanon Home Insurance Policy Needs

Find the right homeowners insurance policy for you.

Ann Herro | March 15, 2020

Lebanon is a small city of about 6,300 residents, located in central Kentucky. Many come into Lebanon, KY to participate in its Ham Days Festival and Tractor Show every September or to enjoy the Heart of Kentucky Bluegrass Music Kickoff each January. If you are a homeowner in this small but vibrant town with its low crime rate, you will want to be sure to protect your investment with a suitable Lebanon home insurance policy.

Independent insurance agents in our network are available to help you find the best policy at a competitive price. These agents work with a number of reputable insurance providers and can gather a selection of Lebanon homeowners insurance quotes for policies customized to meet your particular coverage needs. Find an agent in or near Lebanon, KY to learn more.

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

Kentucky residents pay lower-than-average rates for their home insurance coverage, which is good news for those looking to purchase a Lebanon homeowners insurance policy. Of course, while you can refer to the figures above to get a general idea of what your rates might be, your actual homeowners insurance quotes will be based on a number of different factors including but not limited to the following:

  • The value of your home and the amount of coverage you wish to buy
  • The building materials used in the construction of your house
  • The ZIP code where your house is located
  • The type of home you are insuring: primary residence, vacation home or a second home
  • The amount of your deductible
  • The history of claims on your home and your credit score
  • The insurance company you choose

Our agents can help you obtain and compare Lebanon homeowners insurance quotes from a variety of reputable insurance companies. That way, you can be sure that the coverage you choose is offered at a competitive price.

Second Home and Vacation Home Insurance

Some people own more than one home. If you own a second home or a vacation home, it too will need to be covered by homeowners insurance. Houses that are not primary residences typically have different coverage considerations. While you might require fewer contents coverage, there are definite risks involved with leaving property unattended for long periods. Also, if you lease out your extra properties when you are not using them, you may need to carry landlord insurance in order to ensure that any claims you file are honored by your insurance company. An agent can review your circumstances with you and make appropriate policy recommendations.

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 crime rates in Lebanon are relatively low as well. In recent years, residents of this town reported a total of 54 burglaries, which equates to about 9.56 burglaries for every 1,000 households. You can take preventive steps to protect your belongings by doing such things as keeping your doors and windows locked and using deadbolts. 

If you install motion sensor lighting or a burglar alarm system, you may even be able to get a discount on your homeowners insurance. Of course, some burglaries are simply unavoidable. Fortunately, if you are a victim of a property crime, your Lebanon home insurance policy compensates you for your losses. Your agent may recommend that you purchase a special endorsement to cover particularly valuable property so you can be sure you are fully protected.

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

Your Lebanon homeowners insurance policy provides you with coverage against many of the hazards you are likely to face. These typically include loss or damage caused by property crimes, fires and weather events like hailstorms, thunderstorms and heavy winds. Some policies may require you to specifically request coverage against major hazards like tornadoes, so it is important that you review each potential home policy carefully with your agent before making a selection.

What Are the Risks in Lebanon, KY?

While disasters in Lebanon are relatively rare, they do happen. This city has been affected by an occasional tornado, severe thunderstorm or flood, so it is important to be certain that your home insurance offers the coverage you need. Unfortunately, what many homeowners often discover too late is that flood damage is not covered by home insurance policies. This can be devastating to homeowners who suffer expensive losses and have no recourse for compensation. While FEMA may help with low-cost loans, these funds must still be paid back. Fortunately, you have the option of supplementing your Lebanon home insurance policy with flood insurance through the National Flood Insurance Program (NFIP). An agent can show you how.

Compare Lebanon Home Insurance Quotes

When it comes to purchasing a home insurance policy for your house in Lebanon, you have several insurance providers from which you can choose. Comparison shopping allows you to find a great policy at a competitive rate, but many homeowners find it to be too time-consuming and frustrating to do on their own. Others find they have several unanswered questions or unintentionally purchase policies that don’t provide all the coverage they need.

This is why so many people find it beneficial to work with an independent insurance agent in our network. These agents can recommend appropriate coverage amounts, identify and eliminate coverage gaps, and gather quotes from a variety of insurance providers. That way, it is easy for you to find an affordable policy that meets your coverage needs. 

Find an agent with an office near you to learn more about Lebanon homeowners insurance.

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