The Best Cheap Homeowners Insurance in Bowling Green, Kentucky for 2022: Quotes and Reviews

The average cost of homeowners insurance in Bowling Green, Kentucky, is $1,184 per year or $99 monthly, but rates vary by company. The cheapest homeowners insurance in Bowling Green is USAA at $1,056 per year, while State Farm is the most expensive at $1,415 for the average consumer, meaning you could save up to $359 per year by shopping around. MoneyGeek also ranked the best homeowners insurance in Bowling Green to help you find an option that offers high-quality and affordable coverage.

REVIEW HOME INSURANCE RATES

Insurance Rates

Ensure you're getting the best rate for your home insurance. Compare quotes from the top insurance companies.

widget-location-pin
Advertising & Editorial Disclosure
Last Updated: 9/25/2022
Written By     |  
iconribbonbesthome insuranceBowling Green2022

The 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

Scroll for more

swipe icon
Insurance Rates

widget-location-pin

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.

moneygeek-logo

Home Insurance Calculator

State

Kentucky

Dwelling Coverage

$100,000

Deductible

$500

Liability

$300,000

Personal Property

$20,000

Credit Score

Excellent
moneygeek-logo

low end

on average

high end

These are annual estimates. Get a personalized quote to determine your costs.

widget-location-pin

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

5/5

Affordability

5/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

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 Review
2
Auto-Owners Insurance Co
Score:93

4.6/5

Affordability

4.5/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

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 Insurance Co

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 Insurance Co home Insurance Review

Cheapest 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

Scroll for more

swipe icon

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

Scroll for more

swipe icon

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

Scroll for more

swipe icon

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

Scroll for more

swipe icon

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.
Insurance Rates

widget-location-pin

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.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.