besthome insuranceBowling GreenThe Best Cheap Homeowners Insurance in Bowling Green, Kentucky for 2023: Quotes and Reviews
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besthome insuranceBowling GreenThe Cheapest and Best Homeowners Insurance in Bowling Green
The Cheapest Home Insurance Companies in Bowling Green
When shopping for homeowners insurance in Bowling Green, it is important to consider cost since most companies offer similar core coverages.
The cheapest insurance companies in Bowling Green for home insurance with $100,000 in dwelling coverage are:
- USAA: $1,056 per year, only available to current and former military members and their families
- Travelers: $1,104 per year
If you are looking for cheap homeowners insurance in Bowling Green for an expensive home, the most affordable options for $2,000,000 in dwelling coverage are:
- USAA: $8,522 per year, only available to current and former military members and their families
- Travelers: $13,104 per year
You can adjust the dwelling coverage limits in the table below to see how insurance rates vary.
The Cheapest Home Insurance in Bowling Green, Ranked
Dwelling Coverage:
$100,000
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All the policies with the initial baseline dwelling coverage have personal property limits of $40,000 and all policies with dwelling coverage of $2 million have personal property limits of $800,000. All policies have $100,000 in liability coverage.
If you live in a different city in Kentucky, you can look up home insurance in Kentucky to get rates for your location.
The Average Cost of Homeowners Insurance in Bowling Green for 2022
Bowling Green$1,184
Kentucky$1,120
U.S.$2,103
Homeowners insurance in Bowling Green costs an average of $1,184 per year, which is marginally higher than the state average for Kentucky at $1,120 per year. Compared to the national average at $2,103 per year, average home insurance rates in Bowling Green are significantly cheaper.
Calculate the Cost of Home Insurance in Bowling Green
Home insurance quotes in Bowling Green depend on your location, how much dwelling coverage you need, the level of personal property coverage you purchase and your credit score. You can use MoneyGeek’s home insurance calculator to compare home insurance quotes in your state.
Home Insurance Calculator
State
Kentucky
Dwelling Coverage
$100,000
Deductible
$500
Liability
$300,000
Personal Property
$20,000
Credit Score
Excellent
low end
on average
high end
These are annual estimates. Get a personalized quote to determine your costs.
The Best Home Insurance Companies in Bowling Green
Cost should not be the only consideration when shopping for homeowners insurance in Bowling Green. It is also wise to consider the insurer’s customer service and financial stability ratings. This will ensure that if you need to file a claim, it will be processed promptly and fairly.
The best home insurance companies in Bowling Green are:
- Best Overall: USAA, only available to current and former military members and their families
- Runner Up: Auto-Owners Insurance Co
MoneyGeek ranked home insurance companies in Bowling Green based on affordability, user satisfaction and financial stability.
1
USAA
Score:100
The average annual cost of a USAA home insurance is $1,056. USAA offers the best combination of affordability and quality service in Kentucky. This company’s policies are only available to homeowners with a military background.
More About USAA
If you rent out your home partially or entirely, a USAA home insurance policy can give you optional home rental coverage to protect you and your renter. Policyholders also get access to various deals, including a bundling discount if you combine your home insurance with an auto policy. It also offers protective device discounts for having gadgets like home security systems in your home.
Read MoneyGeek's USAA home Insurance Review2
Auto-Owners and American National
Score:93
Auto-Owners home insurance costs an average of $1,127 per year. This insurer ranks second in customer satisfaction in Bowling Green and also rates highly for financial stability and affordability.
More About Auto-Owners and American National
Auto-Owners home insurance comes with unique coverages such as an optional equipment breakdown coverage, which will cover you in case of electrical or mechanical failure of heating units and other equipment in your home. You can also opt for service line coverage to protect you if your underground piping or wiring is damaged. Policyholders can also get protective device discounts for security systems installed in their homes.
Read MoneyGeek's Auto-Owners and American National home Insurance ReviewCheapest Home Insurance Companies in Bowling Green for Newly Constructed Homes
Homeowners in Bowling Green with newer homes typically pay less for home insurance. This is because modern construction materials tend to be more damage resistant, reducing the risk of damage. Newer materials are also more readily available, so finding replacements is easier. It costs an average of $859 per year to insure a newly constructed home in Bowling Green compared to $1,184 per year for a home built in 2000.
The most affordable companies for Bowling Green homeowners with newly constructed homes with $100,000 in dwelling coverage are:
- USAA: $704 per year, available to military members and their families only
- Auto-Owners Insurance Co: $818 per year
The Cheapest Home Insurance in Bowling Green for New Homes, Ranked
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Cheapest Home Insurance Companies in Bowling Green if You Have a Lot of Personal Property
Home insurance also covers damage to the personal property in your home. Home insurance rates will be higher for those who want to cover more personal property. In Bowling Green, it costs an average of $1,246 per year to get personal property limits of $250,000 with our standard policy compared to an average of $1,184 per year for $100,000 in personal property coverage limits.
The cheapest insurance companies in Bowling Green for those with personal property coverage limits of 250,000 are:
- USAA: $1084 per year. Available only to current and former military members and their families.
- Travelers: $1,161 per year
Cheap Companies in Bowling Green for Extra Personal Property Coverage
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Cheapest Home Insurance Companies in Bowling Green for High Deductibles
When buying home insurance, a higher deductible means your policy will cost less each year but you’ll pay more out-of-pocket if you make a claim. Policies with a low deductible cost more in annual premiums. It costs $1,038 per year on average for a policy with a $2,000 deductible compared to $1,184 on average for a $1,000 deductible.
The most affordable insurance companies in Bowling Green for homeowners with policies with $2,000 deductibles are:
- USAA: $925 per year. Only available to current and former military members and their families.
- Travelers: $984 per year
The Cheapest Companies in Bowling Green for High Deductibles, Ranked
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Cheapest Home Insurance Companies in Bowling Green if You Have Poor Credit
Insurance companies in Bowling Green use credit score as a rating factor for insurance rates, so if you have a poor credit score you will pay higher premiums for home insurance. It costs an average of $2,052 per year to insure your house if you have poor credit, compared to an average of $1,184 per year for homeowners with good credit.
The cheapest insurance companies in Bowling Green for those with poor credit are:
- Auto-Owners Insurance Co: $1,127 per year
- Travelers: $1,828 per year
The Cheapest Companies in Bowling Green for Poor Credit, Ranked
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Getting Online Homeowners Insurance Quotes in Bowling Green
To get online home insurance quotes in Bowling Green you’ll need to provide the insurer with the following information.
- The replacement cost of your home: Insurers use the replacement cost of your home to determine the dwelling coverage. You can get an estimate of the cost to rebuild your home from a construction professional or building contractor.
- The value of your personal property: You need to provide information about the value of the items in your home since insurers will determine the applicable personal property coverage limit based on that value.
- Personal information: The insurer will require details including your address, the occupants in your home and your insurance history.
- Information about your house: The insurer will require details about your house, including the year of construction, size and any protective devices you have installed.
Compare Home Insurance Rates
Ensure you're getting the best rate for your home insurance. Compare quotes from the top insurance companies.
Homeowners Insurance in Bowling Green Analysis: Methodology
MoneyGeek analyzed home insurance premiums from five companies in Bowling Green. Data were provided in partnership with Quadrant. Home insurance quotes were collected for a home with varying coverage levels to calculate affordability scores. Customer satisfaction ratings were drawn from J.D. Power surveys.
The base profile was for a home with 2,500 square feet, built in 2000 with dwelling coverage of $100,000, personal property coverage of $40,000 and liability coverage of $100,000. Policies had a $1,000 deductible. MoneyGeek also collected quotes for homeowners with newly constructed homes, increased dwelling or personal property coverage, higher deductibles and poor credit scores.
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