Do you know what is the homeowners’ insurance average cost in Kentucky? The cities with the cheapest home insurance are spread throughout KY. Most of these cities were found east of Kentucky’s largest city, Louisville. The most expensive rates in Kentucky were found east of Lexington, close to the WV and OH borders. Shoppers will find rates here over 15% more expensive than in the rest of the state. Keep in mind that weather and crime rate also affects the cost of coverage.
If anyone is looking to receive affordable Kentucky homeowners insurance, keep these tips in mind. First, be sure to receive homeowners’ insurance quotes from at least 3 major insurance companies. Never stop your search at the first quote. By receiving 3 quotes, you can compare and decide on the best price and coverage for you. Before locking in on a policy make sure you understand the average cost of homeowners insurance in Kentucky.
Kentucky Attractions Everyone Must Visit
Kentucky is located in the eastern region of the United States. This state is one of four that is constituted as a commonwealth. The other commonwealth states are Virginia, Pennsylvania, and Massachusetts. Kentucky was originally a part of Virginia. It became the 15th state to join the union in 1792. You may know Kentucky as the “Bluegrass State”. This nickname was given due to the state’s pastures of bluegrass. The Bluegrass Region is a major region in Kentucky. This region is home to two major cities. These cities are Lexington and Louisville. This state is home to the land that is abundant with resources.
Kentucky is well known for its cave system. This is because Kentucky houses the world’s longest cave system. Also, Mammoth Cave National Park has the longest waterways and streams. The state is also well known for horse racing, distilleries, coal, tobacco, bluegrass music, and Kentucky Fried Chicken.
The world’s longest cave system here in Kentucky provides 4,000 known passages and over 400 mapped trails. The Mammoth Cave National Park is known as one of the oldest tourist attractions in North America. The park has been welcoming visitors since 1816. When visiting the park, you can choose easy routes or a more strenuous route. You may also have the option of exploring with or without a lantern. Explore formations such as Fatman’s Misery and Bottomless Pit.
Be sure to also hike the Sheltowee Trace National Recreation Trail. This trail is the longest hiking trail in the state of Kentucky. The trail in total is 319 miles. However, 269 miles of the trail is located in Kentucky. This trail is mostly used as a hiking and backpack trail. However, you will find that certain portions of the trail allow bikers and horseback riding. Visitors will find that this trail brings you to some of the state’s most beautiful scenic areas. One of these locations includes the Red River Gorge National Geological Area. Along the trails, you will experience sandstone arches, mountain streams, and iron furnaces. The Sheltowee trail is Kentucky’s best hiking destination. Be sure to take a map along the trail to help you plan your trip.
Kentucky offers its visitors various opportunities to have fun and experience new things. It is a beautiful state to live in. If you plan to own a home in Kentucky, you will need the right Kentucky homeowners insurance quotes. What exactly does home insurance cover? That depends on your policy. In most cases, you can find a policy that protects you against floods, tornadoes, hurricanes, and anything else that can damage your home. You may wonder how you can receive the cheapest homeowners insurance.
Homeowners Insurance Average Cost Kentucky
Lexington is the horse capital of the world. Here in Lexington, you can see legendary landscapes, celebrity horses, taste hand-crafted Bourbon, and try out farm-to-table cuisine. Stop by the Kentucky Horse Park and see 50 different breeds of horses, museums, art galleries, and shows. The campground also offers a grocery store, gift shop, bathhouses, tennis, basketball, and volleyball courts, and a pool. Homeowners’ insurance quotes in this city are an average of $2,120 annually.
Louisville is home to the Kentucky Derby Museum. This museum is a premier attraction in Louisville. The main purpose of this museum is to celebrate the tradition, history, and pride of the Kentucky Derby. The Kentucky derby opened its doors in 1985. The museum received a 5 million dollar renovation in 2010. The museum offers free educational programs to the public. Inside offers two levels of permanent and temporary exhibits. Louisville, KY, has an average homeowners insurance rate of $2,149
Bowling Green is home to the National Corvette Museum. The museum houses over 75 Corvette models and one-of-a-kind concept cars that span the history of the Corvette. You will also see thousands of Corvette photos, movies, scale models videos, and even rare memorabilia. The museum showcases full-scale dioramas that show visitors classic Corvette models. Also, the one-millionth Corvette is on display here. If you are a true Corvette lover, this is the place for you! If you are looking to live in this wonderful city, homeowners’ rates are on average $2,330.
Owensboro is home to the International Bluegrass Music Museum. This museum provides visitors with interactive exhibits, posters, costumes, and the International Bluegrass Music Hall of Fame. The museum also hosts a yearly summer festival. The River of Music Party festival is held in June. However, music sessions are inside the museum the first week of every month. Homeowners’ insurance rates in this city are $2,480.
Covington is the largest city in northern Kentucky. This city is well known for its historic neighborhoods. This vibrant community is located directly across from the Ohio River. It is also home to many premier attractions which include the Carroll Chimes Bell Tower, the Garden of Hope, John Roebling Suspension Bridge, Mother of God Church and so much more. Home coverage in this city costs an average of $2,200.
If you are planning to visit the city of Hopkinsville, be sure to check out the African American History Cell Phone Tour. This is a free one-hour tour that features over 18 snapshots of history. While taking the tour you will be educated about Booker Washington, Ray Charles, Count Basie, BB King, and how Peter Postell was so famous at the time of his death. Coverage for your home in this city is $2,510.