Kentucky Tornado Insurance

Are You Covered by Kentucky Tornado Insurance?

Find the right tornado insurance policy for you.

Although tornadoes can form just about anywhere in the United States, Western Kentucky is part of the infamous area known as Tornado Alley. The damages caused by tornadoes are frequently devastating. While a Kentucky tornado insurance policy cannot keep your property from being destroyed, it can protect your finances from suffering excessive losses. It is therefore important that you ensure that you have sufficient coverage against this type of disaster.

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Kentucky Tornado Facts

  • Since 1830, 606 tornadoes have touched down in this state
  • On April 3, 1974, Kentucky experienced two EF5 tornadoes on the same day
  • The deadliest tornado in KY history occurred on March 27, 1890, killing 76 people in Louisville
  • Jefferson County has seen 33 tornadoes, the most of any of the counties in Kentucky
  • In 1986, three tornadoes were observed while temperatures were in the mid-40’s

Cover Your Home with Kentucky Tornado Insurance

If you have a homeowners insurance policy, it does not necessarily mean that you are covered against tornado damage. While most policies automatically include coverage against this natural disaster, others require you to specifically request tornado coverage or to purchase an additional rider for your policy. It is important that you are aware of what your insurance does and does not cover. Once you have determined that you are covered against tornadoes, you will want to be sure that you have sufficient coverage.

  • Structural coverage: A tornado has the potential to completely destroy your home. Do you have enough coverage to allow you to rebuild? If you purchased your policy several years ago, your structural coverage amount may no longer be suitable to fully protect your finances in the event of a disaster.
  • Contents coverage: If a tornado strikes your home, you are likely to lose everything you own. Do you have enough coverage to enable you to start over? If your contents coverage is based on actual-value as opposed to replacement-value, you may not. Also, you may need to have special riders if you own anything of great value such as original artwork or family heirlooms. Make sure that you have enough coverage now; after disaster strikes, it will be too late.

Most financial advisors and insurance experts recommend that you revisit your homeowners insurance policy every 3 to 5 years to ensure that the coverage you have is sufficient to cover you under your current circumstances. For residents in Tornado Alley, this is particularly important.

Cover Your Vehicle with Kentucky Tornado Insurance

If you own a vehicle, you probably already know that liability coverage is mandatory in Kentucky. Many people choose to save money by buying their car insurance policies to cover only the state minimum requirements. However, liability insurance provides coverage if you are responsible for a motor vehicle collision, and nothing more.

Liability-only auto insurance will not help you if a tree falls on your car or if flying debris smashes your windshield. Only by adding comprehensive coverage can you obtain compensation if your vehicle is damaged by a tornado. This coverage covers your vehicle against all damage that is non-collision related. If you financed the purchase of your vehicle, your lender probably required you to have comprehensive coverage; otherwise, this coverage is optional.

Start Comparing Kentucky Tornado Insurance Quotes Today

If you suffer damages from a tornado, you will want to file your claim quickly. The longer you wait, the longer it may take to get an adjuster to look at the damage and issue you a check. Try to be patient. Remember that during a natural disaster, thousands of people may be on the phone contacting their insurance companies. If you need assistance throughout the claims process, you can ask your agent to advocate for you. When you work with an agent, all of your insurance needs can be handled in one place. Bundling policies also saves you money. 

If you are interested in learning more about tornado insurance or wish to purchase a policy that will provide you with coverage against this type of disaster, contact a local agent today.

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