Cornerstone - Lillie Insurance
5275 Madison Pike, Independence, KY 41051
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Independence households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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5275 Madison Pike, Independence, KY 41051
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Independence residents.
Independence, IA sits in a high tornado zone along the Wapsipinicon River. Get the coverage you need for tornado, wind, and flood protection.
Full coverage car insurance in Independence typically costs $97 to $170 per month, while minimum liability coverage runs about $32 to $41 per month. Iowa is seeing a 6.19% rate decrease in 2026, making it one of the most affordable states for auto insurance. Your actual rate depends on your driving record, age, vehicle, and coverage limits.
Iowa homeowners insurance premiums jumped 19% in 2025 due to severe weather events including tornadoes, hailstorms, and flooding. Hailstorms alone increased 133% between 2022 and 2023, costing insurers billions in claims. Independence sits in an area prone to these weather risks, which has driven up rates across Buchanan County and the entire state.
If your home is near the Wapsipinicon River or in a flood-prone area, you absolutely need separate flood insurance—standard homeowners policies don't cover flood damage. Even if you're not in a mapped flood zone, spring flooding can happen anywhere in Buchanan County. FEMA's National Flood Insurance Program offers coverage, but there's typically a 30-day waiting period before it takes effect.
Local agents in Independence like Tim Reed State Farm or Smith D&L Insurance offer significant advantages: they shop multiple carriers for you, understand Buchanan County-specific risks like flooding and tornadoes, and provide personalized service when you file a claim. Independent agents can move your policy to a different carrier if rates increase, giving you flexibility you don't get buying direct online.
Bundle your auto and home policies to save 15-25% on both, increase your deductibles to $1,000 or higher if you have emergency savings, and shop around with a local independent agent every 2-3 years. Also ask about discounts for safe driving, home security systems, multi-policy bundling, and staying claims-free—these can add up to hundreds in annual savings.
Absolutely. Renters insurance costs only $15-20 per month but covers your belongings and provides liability protection if someone gets injured in your rental or if you accidentally damage your landlord's property. Your landlord's insurance only covers the building, not your stuff or your legal liability, making renters insurance essential for protecting yourself financially.
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