Prestonsburg Homeowners Insurance

What Your Prestonsburg, KY Home Insurance Policy Needs

Find the right homeowners insurance policy for you.

Prestonsburg, KY, the first town established in the Big Sandy Valley, is known as the “Star City of Eastern Kentucky.” In this beautiful city, you’ll find breathtaking views of the Appalachian Mountains and peaceful waters at Levisa Fork, where you can picnic or spend a day kayaking. Prestonsburg is a perfect place to call home, but the high risk for hail storms, wildfires and flooding are definitely something residents have to keep in mind. 

Make sure you’re prepared by investing in Prestonsburg homeowners insurance. Our Independent Insurance Agents can help you find a comprehensive home insurance plan that is customized to protect against the unique risk factors you’ll face when living in Prestonsburg.

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

Kentucky home insurance rates are just slightly lower than the national average, but your premium can vary dramatically depending on several factors. Your home’s size and age play a big role in determining your home insurance premiums in Prestonsburg, and the location is also important. Homes located in flood plains or with high-risk features like swimming pools or trampolines generally have higher rates on homeowners insurance.

Prestonsburg Second Home and Vacation Home Insurance

Prestonsburg’s quiet, peaceful atmosphere and slow-paced lifestyle have made it a magnet for vacationers in recent years. Purchasing a second home is an investment whether you plan to use it for personal family vacations or for rental income. Our Independent Insurance Agents can help you find a home insurance plan that is specifically designed to cover second homes and the unique challenges they often bring to owners.

Number of Thefts in Kentucky

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

If you live in the Bluegrass State, you probably aren’t too concerned with burglaries, since the crime rate is generally lower than the national average rate. However, Prestonsburg homeowners still have to think about the possibility of a break-in. You should always take precautions to protect your home by locking the doors and maybe even installing a security system. But ultimately, home insurance is your best safeguard. If someone does break in and rob your home while you’re away, your home insurance policy pays to replace stolen items and repair any property damage.

Number of Catastrophes in Kentucky

  • Number of catastrophes in Kentucky: 743
  • Number of tornadoes in Kentucky: 17
  • 1 in 15 insured homes has a claim each year

Kentucky’s weather can be highly unpredictable, and natural disasters are a fairly regular occurrence. Between severe thunderstorms, flash floods and wildfires, homes in Kentucky face serious risk factors that you have to consider. Our Independent Insurance Agents can help you choose a homeowners insurance plan that offers coverage for all of the region’s most pressing threats. 

What Are the Risks in Prestonsburg?

For Prestonsburg, the risk for hail storms and flooding is definitely concerning. A small flash flood can lead to serious damage to local homes, especially those near creeks and streams. In the dry summer months, the risk for wildfires increases exponentially. Take time to discuss these risk factors with an Independent Insurance Agent, and learn more about the policies that will best protect your property against local threats.

Compare Prestonsburg Home Insurance Quotes

Selecting a homeowners insurance policy isn’t something you can afford to take lightly. It only takes one natural disaster to do serious property damage, and cleanup and repairs can get expensive. If your home is covered with a comprehensive home insurance policy, you can file a claim and receive the compensation you need to make repairs. Our Independent Insurance Agents specialize in connecting Prestonsburg homeowners with the best coverages. Our experienced agents offer quotes on multiple policies, giving you a chance to compare rates and benefits and select a policy that is right for your budget and lifestyle. 

Contact an Independent Insurance Agent today to get your free quote on Prestonsburg home insurance.

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