Russellville Homeowners Insurance

What Your Russellville Homeowners Insurance Policy Needs

Find the right homeowners insurance policy for you.

A small city in Kentucky’s Logan County and with just under 7,000 residents, Russellville, KY offers the small-town sense of community that so many people value. It is a city steeped in history and culture, and many homes in the downtown area are listed on the National Register of Historic Places. If you are one of the proud homeowners in this close-knit community, you will want to be sure to protect your investment with a suitable Russellville home insurance policy.

Independent insurance agents in our network can help you find an ideal home insurance policy at a competitive price. These agents are free to work with a number of trusted and highly rated insurance providers and can quickly provide you with a selection of Russellville homeowners insurance quotes for policies that have been customized to meet your coverage needs. Find an agent near you to more.

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

You may be happy to learn that Kentucky residents pay lower than average rates for their home insurance. You can refer to the figures above to get a general idea of what your rates might be, but your actual Russellville homeowners insurance quotes may vary significantly. They will be calculated based on a number of different factors including but not limited to the following:

  • The age, value, and location (ZIP code) of your home
  • The building materials used in your home’s construction
  • The amount of coverage you wish to buy
  • The type of home you are insuring: primary residence, vacation home or second home
  • The amount of your deductible
  • Your claims history
  • Your qualification for policy discounts

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

Second Home and Vacation Home Insurance

If you own a second home or a vacation home, you need homeowners insurance for your extra property as well. Houses that are not primary residences often have different coverage considerations as will condos and beach houses. You may need less in the way of personal property coverage for these homes, but there are risks involved with leaving property unattended for long periods, and this can raise your premiums.

If you allow tenants to live in your extra properties when you are not using them, you may need to look into landlord insurance coverage in order to be sure that any claims you file are honored by your insurance company. An agent can review your situation with you and make appropriate policy recommendations. Your agent may even be able to get you a discount by bundling your extra property coverage with your Russellville home insurance.

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; but, unfortunately, it is higher in Russellville. In recent years, residents of this city reported a total of 52 burglaries, which equates to about 7.48 burglaries for every 1,000 homes – higher than the national average of 6.11 burglaries per 1,000 homes.

You can take preventive steps to protect your belongings such as keeping your doors and windows securely locked and using deadbolts on all entryways. Talk to your agent to learn how installing motion sensor lighting or a burglar alarm system might earn you a discount on your homeowners insurance. Also, know that if you are the victim of a property crime, your Russellville home insurance policy may give you some peace of mind by compensating you for your losses.

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

Your Russellville 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, accidental fires and weather events like tornadoes. Some policies may require you to specifically request coverage against certain hazards, so it is important that you review each potential home policy carefully with your agent before making a selection.

What Are the Risks in Russellville, KY?

Tornadoes and floods pose a significant risk to homeowners in Russellville. The risk of tornado activity in this city is 56 percent greater than the national average. A tornado can produce devastating damage to your home and property. Take, for example, the F3 twister than touched down 8.2 miles from the Russellville city center in 1998. This tornado killed two, injured nine and caused approximately $10 million worth of property damage. Your agent can help you be certain that tornado damage is covered by your Russellville home insurance policy.

Furthermore, flash floods threaten area homes and property. Heavy rains falling on already saturated ground can overwhelm drainage systems and cause local creeks to overflow their banks. Such was the case when massive flooding caused hundreds of thousands of dollars’ worth of property damage in this city. At that time, many residents were surprised and dismayed to learn that homeowners insurance does not include coverage against flood damage. Fortunately, your agent can help you supplement your Russellville home insurance policy with flood insurance through the National Flood Insurance Program (NFIP).

Compare Russellville Home Insurance Quotes

When it comes to purchasing an insurance policy for your house in Russellville, you have several insurance providers you can choose from. Comparison shopping allows you to find a suitable policy at an economical rate. This is why so many Kentucky residents find it beneficial to work with an independent insurance agent. Our agents can recommend appropriate coverage limits, detect and eliminate coverage gaps, and obtain customized quotes from a variety of competing insurance providers. That way, you can easily find an affordable policy that is suitable to meet your home coverage needs. 

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

Share this page on Twitter Share this page on Facebook Share this page on LinkedIn