Assured Partners Of W. Va. DBA Insurance Systems, Inc.
1925 Frederica St, Owensboro, KY 42301
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Owensboro households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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1925 Frederica St, Owensboro, KY 42301
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2500 Old Hartford Rd, Owensboro, KY 42303
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600 Frederica St, Owensboro, KY 42301
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2249 Palomino Pl, Owensboro, KY 42301
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608 Frederica St, STE 301, Owensboro, KY 42301
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5010 Back Square Dr, Owensboro, KY 42301
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922 Triplett St, Ste 1, Owensboro, KY 42303
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Learn about insurance coverage options specific to Owensboro residents.
Complete insurance guide for Owensboro, KY. Learn about auto requirements, home coverage costs, flood insurance discounts, and local agents in Daviess County.
Home InsuranceGet the facts on Owensboro home insurance costs ($644-$873/year), Ohio River flood risks, tornado coverage, and how to save up to $303 annually.
Car InsuranceOwensboro drivers pay $115/month on average. Learn Kentucky's no-fault PIP requirements, 25/50/25 minimums, and how US-60 and Ohio River affect your rates.
Kentucky law requires $25,000 per person for bodily injury liability, $50,000 per accident for all injuries, $25,000 for property damage, and $10,000 in Personal Injury Protection (PIP). However, these minimums often aren't enough to cover serious accidents, and many local agents recommend higher limits like 100/300/100 for better protection.
If you have a mortgage and live in a FEMA-designated flood zone, your lender will require it. Even if it's not required, flood insurance is highly recommended in Owensboro due to risks from the Ohio River, Panther Creek, and flash flooding. Standard homeowners insurance doesn't cover flood damage, and the average Kentucky flood claim pays out $17,300.
Homeowners in Owensboro typically pay around $2,845 annually for a policy with $300,000 dwelling coverage, $100,000 liability protection, and a $1,000 deductible. For $200,000 dwelling coverage, expect to pay closer to $2,129 per year. Your actual rate depends on your home's age, construction type, and location in Daviess County.
Owensboro faces tornado risk from March through June (though tornadoes can occur year-round), severe thunderstorms with hail and damaging winds, and flooding from the Ohio River and Panther Creek. These risks make comprehensive homeowners coverage, adequate liability limits, and flood insurance essential for protecting your property.
Property owners in Daviess County receive a 10% discount on flood insurance premiums because the county participates in FEMA's Community Rating System (CRS). This saves residents about $100 per year and reflects the local government's commitment to effective flood management and hazard mitigation.
Yes, local agents understand western Kentucky's specific risks like Ohio River flooding, tornado patterns, and Daviess County's flood zones. They can provide personalized advice based on your home's location and help you navigate coverage options that make sense for the area. Independent agents can also shop multiple carriers to find you the best rates.
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