Average homeowners insurance cost in Bowling Green, KY

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In Bowling Green, homeowners pay an average annual rate of $3,046 (for the coverage level of $300,000 for dwelling, $100,000 for liability protection, and $1,000 deductible), according to Insure.com’s rate analysis. It’s $464 more than the national average of $2,582.

Homeowners insurance rates change from one home to another. The home insurance premium in Bowling Green depends on various factors, such as:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

To ensure you secure the best homeowners insurance policy, compare quotes from multiple insurers, enabling you to find the right coverage that aligns with your specific requirements.

Read this guide to learn how much homeowners insurance costs monthly in Bowling Green, what home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Bowling Green.

Key takeaways

The cost of your homeowners insurance policy in Bowling Green can vary based on factors such as your location, the value of your home, and the coverage options you select.
Progressive is the cheapest homeowners insurance company in Bowling Green with an average annual premium of $2,040.
If you increase your dwelling coverage from $200,000 to $300,000, you will pay $769 more, annually for home insurance.

Average homeowners insurance cost in Bowling Green per month

According to Insure.com’s rate analysis, residents of Bowling Green pay an average of $254 per month for homeowners insurance. This is $22 less than the state average of $276 and $39 more than the national average for home insurance across the United States. The cost of your homeowners insurance policy in Bowling Green can vary depending on your location, property value, and selected coverage options.

Average homeowners insurance cost for a $200,000 house in Bowling Green

Homeowners insurance for dwelling coverage of $200,000 and liability protection of $100,000 costs $2,277 per year in Bowling Green, KY. Numerous factors influence your annual home insurance rates, including any natural disaster or event in your locality. For instance, certain regions have a higher risk of natural calamities such as floods, hurricanes, or tornadoes, implying higher expenses for rebuilding in these areas. These increased rebuilding expenses result in increased insurance premiums.

It is important to note that your insurance plan may not cover flood or hurricane damages. So, if you reside in an area prone to flooding, consider buying flood insurance coverage.

Average homeowners insurance cost for a $300,000 house in Bowling Green

According to a rate analysis by Insure.com, homeowners in Bowling Green pay an average of $3,046 per year for a $300,000 house. These rates are for the coverage limits of $100,000 for liability protection and $1000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $769 more a year for home insurance. It would be best to buy enough insurance to cover the full cost of rebuilding your home.

However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

Average homeowners insurance cost in Bowling Green by company

Among the carriers analyzed, Progressive is the most affordable homeowners insurance company in Bowling Green. It’s average annual rate for homeowners in Bowling Green is $2,040.

Cincinnati Insurance, ranks second and Auto-Owners makes it to the third spot with an average annual home insurance rate of $2,487.

Research on the company is essential before selecting a homeowners insurance policy. Insure.com has thoroughly examined all insurance companies operating in Bowling Green and compiled a list of the most affordable home insurance companies.

Below are details of Bowling Green home insurance companies and their average annual premiums.

Home Insurance Company	Annual rate
Progressive	$2,040
Cincinnati Insurance	$2,383
Auto-Owners	$2,487
State Farm	$2,588
Automobile Club MI (AAA)	$2,737
Grange Mutual	$2,824
Nationwide	$3,319
Kentucky Farm Bureau	$6,274
Westfield Insurance	$2,766

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Bowling Green for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.