Somerset Homeowners Insurance

What Your Somerset Homeowners Insurance Policy Needs

Find the right homeowners insurance policy for you.

Somerset, KY has built itself from the ground up since being settled in 1798. It's an impressive history that the city's 11,196 residents take pride in being part of. Many have built their livelihoods in the area and can't imagine living anywhere else. But a number of risks, from weather to crime, present challenges for Somerset homeowners. And the more than 20,500 residential properties within five miles of the Highway 27 corridor need protection. Our Independent Insurance Agents are here to keep you, your family and your home safe. We will look at your risks and detailed information to present you with a comprehensive, affordable homeowners insurance policy option.

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

Your personal homeowners insurance cost is dependent on a number of factors such as neighborhood location, proximity to first responders and cost of building materials. Although you're likely to save simply by living in Kentucky, your local Independent Insurance Agent can find you the most affordable coverage with the greatest protection.

Second Home and Vacation Insurance in Somerset

It may not be the hottest go-to spot for vacations, but Somerset has plenty to offer those looking to getaway. And additional properties, such as second or vacation homes, in addition to your primary residence should have the same amount of protection. The risk of something happening while you're away is just too great. An agent can compare quotes to get you the best policy for your weekend, summer or rental property.

Number of Thefts in Kentucky

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

You're relatively safe in Kentucky when compared with the rest of the country, but burglaries and break-ins can still happen when you least expect them. The typical homeowners insurance policy covers stolen personal property and home damage, but do you know just how high the limits go? If something unfortunate happens, you don't want to be stuck with a huge hole in your wallet.

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

The Bluegrass State saw more than $12 million in property damage from weather in one year. If a tornado rolled through Somerset and destroyed your home, would you be covered enough to rebuild? It's a scenario no one wants to consider, but it's what our agents want to help you think about. The most comprehensive homeowners insurance protects you in the event of a natural disaster and gets you and your family back on your feet in a timely manner.

What Are the Risks in Somerset?

Mother Nature is certainly the biggest concern for Somerset homeowners. A high number of tornadoes every year shows that fortifying your windows, garage door and other outside items can aid in the event of bad weather. Kentucky also sees flooding, rockslides and heavy snow quite frequently. You can take a number of preventative measures, but the only true way to protect yourself is with a comprehensive Somerset homeowners insurance policy.

Compare Somerset Home Insurance Quotes

An Independent Insurance Agent knows the risks you face as a homeowner in Southern Kentucky and will find you the best insurance option. Because our agents aren't tied to one carrier, they can consult with myriad insurance companies to find the most affordable and all-inclusive homeowners policy. Your home is one of your most valuable assets — feel secure by talking with an Independent Insurance Agent today.

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