Updated: December 12, 2024
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In Bowling Green, Kentucky, AAA is both the best overall and cheapest choice for home insurance. However, if customer service is your priority, Auto-Owners Insurance is the best.
These companies cater to different needs, so choosing a provider depends on what you value, like cost, coverage and customer service.
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Why Trust MoneyGeek? We used data from the Kentucky Department of Insurance and Quadrant Information Services to find the top homeowners insurance in Bowling Green, ensuring reliable recommendations.
Home insurance premiums in Bowling Green represent the most competitive rates as of September 2024.
MoneyGeek found that AAA is the top choice for home insurance in Bowling Green, KY, for $100K dwelling coverage, with a MoneyGeek score of 86 out of 100.
The scores for home insurance providers in Bowling Green range from 52 to 86 according to MoneyGeek's system. These scores reflect various factors like credit history and the age of your home, leading to different evaluations.
| AAA | 86 | $895 |
| State Farm | 69 | $1,407 |
| Nationwide | 68 | $1,393 |
| Cincinnati Insurance | 66 | $1,300 |
| Auto-Owners Insurance | 63 | $1,656 |
| ASI | 56 | $1,217 |
| Encompass | 53 | $1,473 |
| Westfield Insurance | 52 | $1,508 |
MoneyGeek found that AAA is the best option for home insurance in Bowling Green, KY, for $100K dwelling coverage. The two best overall home insurance companies in the city for the same dwelling coverage are:
AAA is the best home insurance provider for its affordability and competitive MoneyGeek score. Various companies offer different prices and service experiences in Bowling Green. While cost is important, also consider customer service and ease of claims to find the right fit for your needs.
AAA is the best overall company, with high affordability and customer satisfaction scores. It provides valuable coverages like scheduled personal property, which protects valuable items, and landscaping, which covers damaged plants and trees.
You can save with discounts like senior, for those 50 and older, and roofing material, for fire-resistant roofs.
MoneyGeek found that Auto-Owners Insurance is the best option for customer service in Bowling Green, KY. Here are the top two providers:
Auto-Owners Insurance boasts high customer satisfaction and comprehensive coverage options. Exceptional service in home insurance includes timely assistance, helpful communication and reliability, ensuring your needs are always met.
Auto-Owners is the best for service quality, with high customer satisfaction and coverage scores. It offers several useful coverages. Guaranteed replacement cost helps if your coverage limit is too low. Equipment breakdown covers failures of home appliances. Building ordinance or law helps with the cost of meeting local building codes.
You can save with discounts like responsible payment and paperless. You can qualify for responsible payment by paying on time for 36 months.
MoneyGeek found that AAA is the best cheap home insurance company in Bowling Green, KY, for 100K dwelling coverage. The top two best and cheapest homeowner insurance companies for $100K dwelling coverage are:
AAA has affordable premiums, making it an excellent choice for budget-conscious homeowners. However, cheap home insurance often means settling for lower coverage limits. While this can save you money, it's crucial to consider whether it will be enough in case of accidents.
In situations where saving on premiums is a priority, considering the cheapest companies or learning the average cost of homeowners insurance in Kentucky may be beneficial. The best cheap insurance may offer more value compared to the least expensive options by balancing costs with important benefits.
AAA is the best company for affordability. AAA's coverages include scheduled personal property, which helps protect valuable items, and landscaping, which covers damage to your garden. These coverages are useful to homeowners who want to protect their belongings and outdoor spaces.
You can save with discounts like protective device, which offers up to 9% off if you have approved alarms.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.
Rates updated:
Dec 23, 2024
Several factors affect homeowners insurance in Bowling Green, including location. Comparing homeowners insurance rates in Bowling Green is crucial for savings, but it can take over an hour since each company might take about 15 minutes. MoneyGeek's home insurance calculator helps you save by highlighting key factors. Enter your age, dwelling coverage, credit score, deductible, liability coverage and other details for an estimate.
In Bowling Green, KY, AAA offers the most affordable home insurance option. The dwelling coverage you select influences your premium.
AAA stands out for its low cost and high overall score in Bowling Green. Westfield Insurance also has competitive rates for $250K and $500K dwelling coverages. Opting for the cheapest homeowners insurance in Kentucky can help you manage your finances effectively.
| AAA | $895 |
| ASI | $1,217 |
| Cincinnati Insurance | $1,300 |
| Nationwide | $1,393 |
| State Farm | $1,407 |
| Encompass | $1,473 |
| Westfield Insurance | $1,508 |
| Auto-Owners Insurance | $1,656 |
Westfield Insurance is the best option for high-value homes in Bowling Green, KY. High dwelling coverage is crucial because homes that cost more to replace need better protection, which raises home insurance costs.
According to MoneyGeek, Westfield Insurance stands out in Bowling Green for its low price and satisfactory offerings, making it a smart choice for homeowners.
| Westfield Insurance | $2,714 |
| Cincinnati Insurance | $4,937 |
| Encompass | $5,415 |
| ASI | $5,512 |
| Auto-Owners Insurance | $5,648 |
| State Farm | $5,821 |
| AAA | $7,594 |
| Nationwide | $8,632 |
ASI offers the cheapest home insurance for new homes in Bowling Green, KY.
ASI has the most competitive pricing for new homeowners in Bowling Green. Although it is the cheapest, the best choice can vary based on other factors. Ensure you are adequately covered when selecting a policy.
| ASI | $371 |
| AAA | $434 |
| Cincinnati Insurance | $576 |
| Nationwide | $823 |
| State Farm | $845 |
| Encompass | $964 |
| Westfield Insurance | $1,052 |
| Auto-Owners Insurance | $1,053 |
Finding the best cheap homeowners insurance in Bowling Green depends on your needs. Consider factors like coverage options and customer service. Follow these steps to get the best cheap home insurance.
In Bowling Green, determining how much home insurance coverage you need involves considering your home's rebuilding costs, personal property value and liability coverage.
Look at insurance companies in Bowling Green. Focus on those with solid financial health, positive customer feedback and reliable service.
Once you know your coverage needs, compare home insurance quotes. In Bowling Green, $100K dwelling coverage premiums range from $895 to $1,656 annually.
Inquire with each provider about possible discounts, such as bundling policies or having safety features in your home.
Opting for a higher home insurance deductible can reduce your premium. Ensure it's an amount you can manage if you need to file a claim.
Adding security systems and sturdy locks can lower your home's risk profile and potentially decrease insurance costs.
In Bowling Green, maintaining a good credit score can influence insurance rates. Pay bills promptly and keep debts low.
Consider combining your homeowner insurance with auto or other policies to access discounts and save money.
The best cheap home insurance provider in Bowling Green ultimately depends on the coverage you need and how much you can spend. Get answers to some of the most commonly asked questions about the best cheap insurance rates in Bowling Green, KY.
The average cost of home insurance in Bowling Green is $1,074.
The cheapest home insurance company in Bowling Green is AAA, with an annual premium of $895.
The best home insurance in Kentucky for Bowling Green residents is from AAA, with a MoneyGeek score of 86 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
