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Todd County, KY Homeowners Insurance Quotes

Trying to find afforable homeowners insurance coverage in Todd County can be difficult with so many options available locally and online. Plus, everywhere you turn it seems like rates are on the increase. For most of us, getting the right coverage means speaking with a home insurance professional that can help you find the right coverage at the price you can afford. Shopping online for cheaper Todd County home insurance rates with GetHomeInsuranceQuotes.com allows you to get top quality service from the most competitive home insurance companies available in the state of Kentucky. It's important for you to know the coverage options available for your home within Todd County, that's why our experience staff of over 20+ years can answer any questions that you may have about your current and new home insurance policy needs. And most of all, we provide ways to help you apply additional discounts to lower your premium while still getting a complete coverage package. Start your online home insurance quote today!

For Todd County, KY homeowners, it's important to know that the average home insurance policy in Kentucky is estimated to be around $97.83 per month. That amounts to $1174 per year for a standard (HO-3) homeowners insurance policy for residents living in Todd County. In comparison, the United States national average for homeowners insurance premiums is around 1,249 per year. Kentucky is now ranked 28 in the country in terms of highest home insurance rates. You can easily get up to 12 free home insurance quotes for your home in Todd County, KY along with great consulting services so we can help you review which coverage policy is best for your needs. Most homeowners in your area need additional coverages based on certain preferences like a umbrella policy, extra wind and hail coverage, multiple auto insurance policies, wedding ring coverage or boat coverages. A simple HO-3 home insurance policy doesn't cover everything, that is why we can help you fine tune your Todd County home insurance coverage to make sure you are covered when you need it the most.

For all Todd 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 Todd 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.

Todd County, KY Housing Demographics

With 12,460 residents living within the Todd County area there are over 5,286 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 3,354 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 Todd County.

DemographicValues
Total Occupied Households4,647
Family Households (families)3,354
Average Owner Occupied Household Size3
Average Family Size3
Total Housing Units5,286

Todd County, KY Home Insurance Average Premiums

Local Todd, 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 Todd 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 Todd 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 Todd 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 Todd 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.

Todd County Housing & Real Estate Data

Details:Statistics
Total Housing Units5286
Occupied Housing Units4647
Vacant Housing Units639
Vacant Housing Units for Rent154
Vacant Housing Units Rented Not Occupied6
Vacant Housing Units For Sale40
Vacant Housing Units Sold Not Occupied22
Vacant Housing Units For Seasonal Occasional Use109
Vacant Housing Units All Other Vacants308
Housing Units Homeowner Vacancy Rate Percent1
Housing Units Rental Vacancy Rate Percent11
Housing Tenure Occupied Units4647
Housing Tenure Occupied Units Owner Occupied3454
Housing Tenure Occupied Units Owner Occupied Population9112
Housing Tenure Occupied Units Owner Occupied Averge Household Size3
Housing Tenure Occupied Units Renter Occupied1193
Housing Tenure Occupied Units Renter Occupied Population3153
Housing Tenure Occupied Units Renter Occupied Average Household Size3