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Springfield Homeowners Insurance

Find the Right Springfield, KY Homeowners Insurance

Find the right homeowners insurance policy for you.

Ann Herro | March 14, 2020

Located in the heart of central Kentucky, you'll find the charming city of Springfield, a place with quaint boutiques, historical buildings and a rich heritage of Southern hospitality. Living in Springfield, KY offers many advantages, but the weather poses a constant challenge. That's why every homeowner in this city needs the protection of reliable Springfield homeowners insurance. If you're looking for the best home insurance plan, our Independent Insurance Agents can help. Our experienced agents can walk you through all of your coverage options and help you compare policies and benefits to find a homeowners insurance policy that is right for you.

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

Home insurance comes in many shapes and sizes, and there is a variety of factors that will influence your premium rate. As a general rule, the cost of Springfield homeowners insurance trends below national averages. Our friendly Independent Insurance Agents can help you find the most affordable coverage options for your home whether you live in a historic downtown mansion or a cute little townhouse on the outskirts of town

Springfield Second Home and Vacation Home Insurance

Springfield's charming downtown area has been a magnet for tourists over the past few years. If you have a second home in Springfield that you use as a vacation getaway or an investment rental, make sure you're covered with the best homeowners insurance. Choosing a policy for a second home poses some unique challenges, but our Independent Insurance Agents can point you toward the best coverage options to protect your investment property or vacation retreat.

Number of Thefts in Kentucky

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

Springfield's low crime rate is a big draw for many homeowners, but you're never completely immune from break-ins and burglaries. Imagine how devastating it would be to come home from work to find shattered glass, busted door frames, and missing valuables. Home insurance safeguards you against losses from home invasions by paying to replace stolen items and make property repairs.

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

Kentucky's mild winters and warm summers make the Bluegrass state a perfect place to call home. However, natural disasters do pose a serious threat. Each year, tornadoes wreak havoc across the state, damaging homes and businesses. This state also has a high risk for flash flooding, lightning damage, and even the occasional winter ice storm. When you select the best home insurance policy, you'll have peace of mind that your home is covered no matter what the volatile weather patterns throw your way.

What Are the Risks in Springfield?

For Springfield, the biggest threat is severe storms. Lightning, hail and even high winds can cause major damage to local homes each summer. Tornadoes are also a worrisome reality for Springfield residents, with an average of two per year. If you're putting down roots in Springfield, make sure you're covered with a comprehensive home insurance policy so that if a nasty storm hits your neighborhood, you can make repairs quickly.

Compare Springfield Home Insurance Quotes

If you’re shopping for home insurance in Springfield, there are dozens of coverage options to consider. Navigating the maze of deductibles, liability, out-of-pocket costs, and coverage discounts can be overwhelming. Our Independent Insurance Agents take the guesswork out of shopping for homeowners insurance. Our friendly agents can offer rates on multiple policies; help you compare your coverage options; and select a plan that's best for your lifestyle and budget. 

Contact an agent today to learn more about how you can get the best rate on Springfield home insurance.

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