Perry County Mutual
106 Public Square, Somerset, OH 43783
View this agency's profile to learn more about their services.
Loading...
City directory
Somerset households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
106 Public Square, Somerset, OH 43783
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Somerset residents.
Somerset auto insurance guide: Kentucky's 25/50/25 minimums + $10K PIP, Lake Cumberland risks, US-27 coverage tips. Navigate no-fault rules with confidence.
Somerset homeowners typically pay between $641 and $870 annually for home insurance, which is significantly less than the Kentucky state average of around $2,060 per year. Your actual rate depends on your home's value, age, construction type, and coverage limits. Waterfront properties on Lake Cumberland usually cost more to insure due to higher replacement costs and flood risk.
If you have a mortgage and your property is in a high-risk flood zone, yes—your lender will require it. But even if it's not required, flood insurance is highly recommended for any property near Lake Cumberland. Standard homeowners insurance doesn't cover flood damage at all, and just one inch of water can cause over $25,000 in damage. More than 20% of flood claims come from properties outside high-risk zones.
It depends on your policy. Some homeowners policies include other structures coverage, which can protect boat docks, retaining walls, and detached garages up to a percentage of your dwelling coverage (typically 10%). However, flood insurance covers these structures separately, and you may need to specifically list high-value docks or marine structures. Review your policy details with your agent to make sure everything is covered.
Probably not. Standard homeowners policies typically exclude coverage for business activities, which includes renting your property on Airbnb or Vrbo. You'll need either a landlord policy or a commercial property policy depending on how frequently you rent out the property. Make sure to discuss your rental activities with your insurance agent to get proper coverage.
Common discounts include bundling your home and auto insurance (10-25% savings), installing security systems or fire alarms, having a newer roof (especially impact-resistant), updating electrical or plumbing systems, and being claims-free for several years. Newer homes built to modern codes often qualify for better rates. Ask your agent about all available discounts—they can add up to significant savings.
Your dwelling coverage should reflect the cost to rebuild your home from the ground up, not its market value. Older historic homes in Somerset often cost much more to rebuild than their market value due to specialized materials and craftsmanship. Ask your insurer for a replacement cost estimate based on current construction costs, and update this annually as building costs increase.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network