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Edmonson County, KY Homeowners Insurance Quotes

Are you shopping for homeowners insurance for your Edmonson County KY home? We can help you find the best rates and coverage options available at GetHomeInsuranceQuotes.com. We provide up to 12 comparison quotes from the most competitive top-rated home insurance companies available in Kentucky. Our agents specialize in the best rates for Edmonson County and have over 20+ years of experience. We are ready to help you take advantage of our free consulation so you can review the most affordable home policies available, with the best dwelling and liability coverage plans. Protecting your home from hurricanes, lightning and fires is important to every homeowner. But that's not all your homeowners policy is limited to, ask our agents what coverage is the right fit for you. We have a variety of options to choose from to make sure your home and family are safe.

Average Rates in Edmonson County

Did you know the average home insurance premium for the state of Kentucky is $1174 a year. That's $97.83 a month in home insurance cost. Now depending on if this average premium is higher or lower than what you are currently paying, it's also smart to keep in mind who your current insurance carrier is and what type of coverage you currently have available for your home in Edmonson County. We can help you save up to 40% by applying all the available discounts and credits, plus shopping your coverage with up to 12 different home insurance providers that currently have competitive rates in Edmonson County KY. Simply give us a call now at 1-855-976-2656

For all Edmonson County, KY residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.


Are you looking for a homeowners insurance quote in Edmonson County? Simply enter your zip code to get your Kentucky homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Edmonson County, KY Housing Demographics

With 12,161 residents living within the Edmonson County area there are over 6,467 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 3,461 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Edmonson County.

DemographicValues
Total Occupied Households4,857
Family Households (families)3,461
Average Owner Occupied Household Size2
Average Family Size3
Total Housing Units6,467

Edmonson County, KY Home Insurance Average Premiums

Local Edmonson, KY homeowners insurance quotes comparison

$886 /yr.

Kentucky's Average Home Insurance Rates Overall

For the state of Kentucky, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 28 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$578 /yr.
Current Average Cost:$886 /yr.
Maximum Range:$1174 /yr.

Kentucky Homeowners Insurance News & Information

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]

  • I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024

    According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]

  • How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024

    Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm.  Understanding the different coverages that are available to homeowners is key to making sure you […]

  • Homeowners Shopping Rates Due to Rise in Premiums Posted on Monday 23rd September, 2024

    According to the recently released J.D. Power 2024 U.S. Home Insurance Study a nationwide rise in premiums has driven many customers to shop for new policies as their rates are now too high.  “’The average shopping rate among home insurance customers has climbed to a record high of 6.8% through the second quarter of 2024, […]

  • Where is it cheaper to rent than to buy a home in the United States? Posted on Thursday 5th September, 2024

    According to a new study from Clever Real Estate, a St. Louis-based real estate company, monthly rent costs are actually cheaper than a monthly mortgage payment in 48 of the 50 most populous cities in the United States. Their analysis looked at mortgage principals, interest, taxes as well as homeowners insurance and they found that […]

Discounts For Homeowners in Edmonson County

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your Kentucky homeowners insurance.

  • Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Edmonson County, this discount can save you up to 20% on your home insurance premium.
  • Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Edmonson County that do combine their home and auto can save over $500 with this discount.
  • Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Edmonson County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
  • Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
  • Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.

Edmonson County Housing & Real Estate Data

Details:Statistics
Total Housing Units6467
Occupied Housing Units4857
Vacant Housing Units1610
Vacant Housing Units for Rent120
Vacant Housing Units Rented Not Occupied5
Vacant Housing Units For Sale64
Vacant Housing Units Sold Not Occupied27
Vacant Housing Units For Seasonal Occasional Use1027
Vacant Housing Units All Other Vacants367
Housing Units Homeowner Vacancy Rate Percent2
Housing Units Rental Vacancy Rate Percent12
Housing Tenure Occupied Units4857
Housing Tenure Occupied Units Owner Occupied3991
Housing Tenure Occupied Units Owner Occupied Population9779
Housing Tenure Occupied Units Owner Occupied Averge Household Size2
Housing Tenure Occupied Units Renter Occupied866
Housing Tenure Occupied Units Renter Occupied Population2059
Housing Tenure Occupied Units Renter Occupied Average Household Size2