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Winchester Homeowners Insurance

What Your Winchester Homeowners Insurance Policy Needs

Find the right homeowners insurance policy for you.

Ann Herro | March 14, 2020

Winchester is the county seat of Kentucky’s Clark County.  This small city of about 18,000 residents is a nice place to raise a family. George Rogers Clark High School, the only public high school in Winchester, KY, is known for its strong performance in athletics, outstanding marching band and recent proficient ratings in both reading and math. Additionally, this city is home to the Winchester Campus of Bluegrass Community and Technical College. With its parks, community activities and affordable housing, this city has a lot to offer its residents.  If you have set roots by purchasing a house here, you will want to be sure to protect your investment with a suitable Winchester home insurance policy.

Let the independent insurance agents in our network help you find the best policy at a competitive price. These agents are free to work with a variety of reputable insurance companies, and they can gather a selection of Winchester homeowners insurance quotes for policies that have been customized to meet your specific coverage needs. Find an agent in or near Winchester, KY to learn more.

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

Kentucky residents pay lower-than-average rates for their home insurance coverage, and that is good news for those who are looking to purchase a Winchester homeowners insurance policy. Because they are just averages, the figures above can only give you a general idea of what your rates might be. Your actual home insurance quotes are calculated accord to a number of different factors, including but not limited to such things as the following:

  • The value of your home and its projected rebuilding costs
  • The age of your home and building materials used in its construction
  • The amount of property coverage you wish to purchase
  • The ZIP code where your house is located
  • The use of the residence you are insuring: primary residence, vacation home or second home
  • The amount of your deductible
  • Your claims history and, in some cases, your credit score

Our agents can help you obtain and compare Winchester homeowners insurance quotes from a variety of reputable insurance companies. That way, you can be certain that you are not overpaying for the policy you choose.

Second Home and Vacation Home Insurance

Some residents of Winchester own more than one residential property. If you are among them, your extra houses also need to be covered by homeowners insurance.  Houses that are not primary residences have different coverage considerations and therefore need differently customized policies.

Be aware that insurance companies assign higher risks to properties that are left unattended for long periods because when small problems like water leaks or pest infestation go unnoticed and neglected, they can grow into large and expensive problems. Furthermore, if you have tenants living in your extra properties, you need to carry a different kind of home insurance called landlord insurance. Your agent can work with you to ensure that you have suitable coverage for your vacation home or second home and may even be able to get you a discount by bundling your coverage with the same insurance provider.

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 it is a bit higher in Winchester. In recent years, residents of this city reported a total of 145 burglaries, which equates to about 7.85 burglaries for every 1,000 households. This is higher than the national average of 6.11 burglaries per 1,000 homes.

You can take simple preventive steps to protect your belongings, such as keeping your doors and windows securely locked, stopping mail delivery when you are away on vacation, and installing motion sensor lighting around the perimeter of your home. Adding a burglar alarm system is a very effective deterrent and may even earn you a discount on your homeowners insurance. Unfortunately, even with precautions taken, burglaries can happen. If you are a victim of a property crime, you may take some comfort in knowing that your Winchester home insurance policy compensates 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 Winchester homeowners insurance policy provides you with coverage against many of the potential hazards you, as a property owner, may face. These typically include loss or damage caused by property crimes, uncontrolled fires, and severe weather events. It is important that you have sufficient contents coverage to cover your personal belongings so that in the event of a total loss, you will be able to start over without experiencing an overwhelming financial setback.

What Are the Risks in Winchester, KY?

Storms are a common problem in Winchester. Sometimes they can lead to serious damage to area homes, particularly if roofs are damaged or trees are toppled onto properties. Fortunately, your Winchester home insurance is equipped to provide you with coverage against storm damage. Sometimes, though, these storms are accompanied by tornadoes. While the risk in Winchester is not extremely high, it is 8 percent higher than the national average. 

One of the worst to strike this area was an F4 twister that touched down 6.7 miles from the city center in 1975. It killed seven, injured 28 and caused a great deal of expensive property damage. You want to be certain that your Winchester homeowners insurance allows for coverage against tornadoes. Some bargain-basement policies may not. Finally, sometimes these storms bring heavy and unrelenting rain showers, which can lead to flooding, particularly for homeowners near Hoods and Strodes creeks. Unfortunately, home insurance does not cover flood damage, which can be extremely expensive. Your agent can help you get a flood insurance policy through the National Flood Insurance Program (NFIP).

Compare Winchester Home Insurance Quotes

When you are ready to purchase a home insurance policy for your house in Winchester, you will find that there are a number of different providers from which you can choose. Comparison shopping puts you at an advantage by enabling you to find a great policy at a competitive rate, but many homeowners find it to be too time-consuming and inconvenient to do on their own and skip this important step.

That is why so many Kentucky residents find it helpful to work with an independent insurance agent in our network. These agents can gather customized quotes from a variety of insurance providers that you can review and compare together. That way, it is easy for you find an affordable policy that is suitable to meet your coverage needs. 

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

Now, who's ready to get their insurance problems solved?