Owensboro Homeowners Insurance

What Your Owensboro Home Insurance Policy Needs

Find the right home insurance policy for you.

Owensboro offers endless opportunities for people of all ages. This fourth largest city in Kentucky attracts people from around the country to live and work in the scenic landscape along the southern banks of the Ohio River. Living in Owensboro certainly has its perks, but homeowners also face some major challenges, including an elevated risk for tornadoes. If you have a home in this beautiful city, make sure you are covered with the most comprehensive Owensboro homeowners insurance.

Selecting a homeowners policy can be overwhelming. There are numerous options to consider, and finding the best coverage plan can take some work. Instead of spending hours talking to one insurance agent after another, turn to our dedicated Independent Insurance Agents. They know the Owensboro area well and can walk you through the most important coverage options for your area. Best of all, our friendly agents can quote from multiple policies so you can see all of your choices at a glance and select the Owensboro home insurance that is right for your family.

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.

One of the benefits of living in Kentucky is the below average cost for homeowners insurance. As you shop for a policy, you'll discover that several key factors influence the price you pay for Owensboro home insurance coverage; your neighborhood, the type of home you live in, its size and age will all be taken into consideration. The cost can also vary if you have additional risk factors like a trampoline, a swimming pool or an aggressive dog breed.&

Number of Thefts in Kentucky

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

Owensboro is generally a safe place to live, with fewer thefts than the national average. However, burglaries do happen, so make sure you select an Owensboro homeowners insurance policy that includes theft protection. If someone does break into your home and rob you, having this coverage will ensure that you can replace any stolen items quickly instead of depending on the police to track down your valuables.

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

Natural disasters pose a serious threat to homeowners in Kentucky, and Owensboro, in particular, has a history of deadly tornadoes. There have been 88 category-2 or above tornadoes that left major destruction in Owensboro in the past, and it's possible another one could happen at any time. Make sure your home is protected in case of storm damage by choosing a comprehensive Owensboro home insurance plan in advance.

What Are the Risks in Owensboro?

Weather is extremely unpredictable, and the biggest threat in Owensboro is tornadoes. If even a small twister touches ground in your neighborhood, you could be dealing with broken glass, falling trees or a damaged roof. Every homeowner in Owensboro needs to think ahead to this situation and get coverage in place to pay for any repairs that would be needed if another major tornado rips through the area.

Compare Owensboro Home Insurance Quotes

Choosing affordable home insurance begins by comparing quotes from various policies. Our Independent Insurance Agents can walk you through multiple quotes and help you weigh the pros and cons of all of your options. Then you can select the best Owensboro homeowners insurance to protect your home in case of damage or disaster. 

Contact an agent today to learn more about the best home insurance coverage in Owensboro.

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