South Shore Homeowners Insurance

(Find the right homeowners insurance policy for you.)

Ann Herro, Insurance Expert Written by Ann Herro
Ann Herro, Insurance Expert
Written by Ann Herro

Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.


South Shore, KY offers a charming small-town atmosphere, with just over 1,200 residents in the entire city. Located along the Ohio River at the mouth of Tygart’s Creek, this sweet city is the perfect place to put down roots and buy a home. However, homeowners in South Shore also have to contend with occasional, serious weather threats. This area carries with it a major flood risk due to its proximity to the Ohio River. 

Make sure you are prepared for any type of weather Mother Nature may throw your way by having a comprehensive South Shore homeowners insurance policy. Our Independent Insurance Agents are available to help homeowners navigate through all the choices when shopping for insurance. Our agents will help you select a reliable South Shore homeowners insurance plan that will protect your home.

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

One of the advantages of living in Kentucky is the home insurance rates that trend below the national average. Always keep in mind that your home's location, size and age are all factors when determining your specific rate. If you own a swimming pool or trampoline or have a dog that is a known aggressive breed, it could cause a spike in your annual rates.


Save on Home Insurance

Our independent agents shop around to find you the best coverage.

South Shore Second Home and Vacation Home Insurance

Located in the heart of Greenup County, this beautiful city is the perfect place to get away for some rest and relaxation. You can escape to this charming small city to get away from all your everyday stresses. If you own a second home or vacation home in South Shore, it is important to make sure your investment is protected even when you aren’t there to supervise it. Our agents can help you find affordable home insurance coverage to protect against the most concerning local threats. 

Number of Thefts in Kentucky

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

Kentucky’s crime rate trends well below the national average, but burglaries are still a common problem, especially among vacation homes. If your home is targeted by robbers or vandals, make sure you’re prepared by investing in a comprehensive South Shore home insurance policy. Independent insurance agents will point you toward the policies that offer maximum protection against theft.


Save on Home Insurance

Our independent agents shop around to find you the best coverage.

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

As a general rule, Kentucky has very mild weather patterns throughout the year. However, occasional weather threats can still be a problem. The Bluegrass State sees many tornadoes each year, so as a homeowner, it is important to be prepared ahead of time. If a storm or massive flood causes property damage to your home, you can count on your South Shore homeowners insurance policy to step in and pay for repairs.

What Are the Risks in South Shore?

South Shore residents are at high risk for flooding due to its close proximity to the Ohio River. They also see an average of one tornado each year. In 1968, a massive F4 killed four people and left 122 injured. Every family in this area needs to think ahead and have an emergency plan in place to deal with tornadoes and flooding. Our agents can help you find a homeowners insurance plan that offers maximum protection from this common threat.

Compare South Shore Home Insurance Quotes

Our Independent Insurance Agents are available to help you find the best insurance for your home or vacation home. They will help you by offering quotes on multiples policies in one convenient place. This will simplify the challenging process of finding affordable South Shore home insurance. 

Contact an agent to get your free quote.

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