Average homeowners insurance cost in Bowling Green, Kentucky

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Our data shows that the average cost of homeowners insurance in Bowling Green is $3,046 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1,000 deductible). It’s $464 more than the national average of $2,582 .

Homeowners insurance rates differ significantly from one home to another. Home insurance rates in Bowling Green depend on several factors, including:

Size of your home
Age of your home
Amount of coverage required
Location
Your credit score

To ensure you secure the best homeowners insurance policy, compare quotes from multiple insurers. This will enable you to find the coverage that aligns with your specific requirements.

Read this guide to learn how much homeowners insurance costs monthly in Bowling Green, what home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Bowling Green.

Key Takeaways

In Bowling Green, homeowners insurance costs $3,046 annually.
Progressive offers the most affordable homeowners insurance in Bowling Green with an average annual premium of $2,040 .
If you increase your dwelling coverage from $200,000 to $300,000, your annual home insurance premium will be $769 higher.

Average homeowners insurance cost per month

How much you pay for a homeowners insurance policy depends on the value of your home, your location, and the coverage options you select.

Homeowners in Bowling Green pay an average of $254 per month. It’s $22 less than the state average of $276 and $39 more than the national average for home insurance across the nation.

Average homeowners insurance cost for a $200,000 house in Bowling Green

The average cost of homeowners insurance in Bowling Green, KY is $2,277 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The cost of your home insurance each year depends on several factors – including the risk of natural disasters in your area. If your city is prone to events like hurricanes, wildfires, or floods, you’ll likely pay more for coverage.

Some places are more prone to natural disasters, like floods, hurricanes, or tornadoes. That makes rebuilding after a major event more expensive, which is why home insurance tends to cost more in those areas. And keep in mind, your standard policy probably doesn’t cover flood or hurricane damage. If you live in a high-risk zone, it’s definitely worth looking into separate flood insurance for extra protection.

Average homeowners insurance cost for a $300,000 house

Homeowners in Bowling Green typically pay an average of $3,046 annually for a home insurance policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, your home insurance rates will rise by $769 . You should purchase enough insurance to cover the entire cost of rebuilding your home. The required amount of dwelling coverage can vary based on factors such as the size of your home, its features, and the cost of living in your area.

Average homeowners insurance cost in Bowling Green by company

After comparing several homeowners insurance companies, Progressive offers the lowest rates in Bowling Green. Its average annual rate for homeowners in Bowling Green is $2,040 , while Cincinnati Insurance is the second-cheapest.

Researching the insurance company is crucial before selecting a homeowners insurance policy. Our experts have analyzed all insurance providers in Bowling Green and compiled a list of the cheapest home insurance providers. Below, you’ll find the home insurance companies in Bowling Green and their average annual premiums.

Home Insurance Company	Annual rate
Progressive	$2,040
Cincinnati Insurance	$2,383
Auto-Owners	$2,487
State Farm	$2,588
Automobile Club MI (AAA)	$2,737
Grange Mutual	$2,824
Nationwide	$3,319
Kentucky Farm Bureau	$6,274
Westfield Insurance	$2,766

Bundling your home insurance with other policies, like auto insurance, can lead to significant savings. Insurance companies often offer discounts for customers who combine multiple policies. By bundling, you can reduce your premiums and manage your insurance needs with one company.

Natural disasters in Kentucky that can impact your home insurance

Natural disasters are a part of life in Kentucky, often leading to expensive insurance claims. That’s why it’s so important to understand which disasters are most likely in your area before choosing a home insurance policy.

When you’re aware of the specific risks in your region, you can tailor your coverage to match – whether that means increasing your policy limits, choosing a deductible you’re comfortable with, or adding extra protection for uncovered events. Taking these steps now can help you avoid being underinsured and give you more financial security if a natural disaster hits your area.

Kentucky is commonly affected by Ice storm, Landslide, Strong wind, Tornado and Winter weather.

How home insurance protects you against natural disasters

If your home is hit by a covered event, your insurance can help pay for repairs, replace your belongings, and even cover temporary housing if you can’t live in your home. Having the right coverage in place can make it a lot easier to get back on your feet after a disaster.

That said, not everything is automatically included. While most standard policies cover things like wind, hail, and lightning, you’ll usually need extra coverage for disasters like floods, earthquakes, or wildfires. It’s worth taking the time to understand exactly what your policy includes so there are no surprises when you need it most.

Check for coverage gaps before it’s too late

Many homeowners find out too late that their insurance doesn’t cover certain natural disasters. Be proactive – review your policy, ask your insurer about disaster-specific exclusions, and explore additional protection if you’re in a high-risk zone.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Bowling Green for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.

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Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.