Caulk & Eastridge
201 W Broadway St, Campbellsville, KY 42718
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201 W Broadway St, Campbellsville, KY 42718
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613 E Broadway St, Campbellsville, KY 42718
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311 E Broadway, Campbellsville, KY 42718
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Campbellsville residents.
Get the right home insurance for Campbellsville. Understand tornado risk, flood coverage near Green River Lake, and costs for central Kentucky homeowners.
General Insurance EducationComplete insurance guide for Campbellsville, Kentucky. Learn about home, auto, renters, and business coverage tailored to Taylor County's unique needs.
Car InsuranceCompare auto insurance rates in Campbellsville, Kentucky. Understand KY's choice system, 25/50/25 minimums, and coverage options for Taylor County drivers.
Home insurance in Campbellsville typically costs $1,200-$1,800 annually for a standard policy, which is below Kentucky's state average and significantly less than Louisville or Lexington. Your actual rate depends on your home's age, construction type, coverage limits, deductible, and claims history. Homes with newer roofs, updated electrical and plumbing systems, and security features qualify for lower rates.
Yes, standard homeowners insurance covers tornado damage to your home and belongings. Tornadoes fall under wind coverage, which is included in basic policies. However, you'll have a wind/hail deductible that's often 1-2% of your dwelling coverage rather than your standard deductible. Make sure you understand this deductible amount before storm season hits.
If you're in a designated flood zone and have a mortgage, your lender will require flood insurance. Even outside flood zones, it's worth considering given Green River Lake's proximity and the increasing frequency of heavy rain events in Kentucky. Flood policies outside high-risk zones cost $400-600 annually and cover damage that standard homeowners policies exclude entirely.
Renting rooms regularly requires disclosure to your insurance company and may require a landlord policy or home-sharing endorsement. Standard homeowners policies don't cover rental operations, and failing to disclose this can result in denied claims. Talk to your agent about the right coverage before accepting rent payments to ensure you're properly protected.
Yes, ice storm damage is covered under standard homeowners insurance, including damage from falling tree limbs, roof collapse from ice weight, and broken gutters or siding. Your policy also covers additional living expenses if ice damage makes your home uninhabitable. Make sure your policy includes coverage for tree removal and debris cleanup, which are often subject to specific limits.
Bundle your home and auto insurance with the same company for 15-25% discounts, install a monitored security system for 10-20% savings, and maintain a claims-free record. Increasing your deductible from $1,000 to $2,500 can lower premiums significantly, and updating an old roof, electrical system, or plumbing can reduce rates while improving your home's safety and insurability.
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