With spring drawing closer, tornadoes and storms are a growing concerned as the calendar turns. Protecting your home is crucial, especially in Fort Campbell, Kentucky. Fort Campbell sees more tornadoes than the average rate for Kentucky, which is already higher than the national rate. This is because Kentucky is part of the Hoosier Alley and receives an average of 21 tornadoes a year.
No one ever thinks disaster will strike until it does. This is why it's important to stay ahead with a good home insurance policy.
Fort Campbell is unique because it falls on the border between Hopkinsville, Kentucky and Clarksville, Tennessee. If you live around Fort Campbell, this can make insurance a little confusing. Do you purchase insurance from Kentucky or from Tennessee? This depends upon which side of the state line your home falls. Home insurance in Clarksville, Tennessee is relatively cheaper, with an average of around $57-$77 a month. The average cost of home insurance in Hopkinsville, Kentucky is about $94 a month.
What Home Insurance Coverage Do I Need near Fort Campbell, Kentucky?
Kentucky sees a lot of tornadoes. It also is no stranger to other common home dangers — such as burst pipes, theft and vandalism. A typical home insurance policy covers:
- Dwelling: This coverage compensates for losses due to fire, smoke, lightning, hail, theft, vandalism and other incidents that occur to the dwelling and attached structures.
- Liability: This covers bodily injury and property damage in the event you or a family member (including pets) cause injury or damage to someone else.
- Additional Living Expenses: This coverage — often abbreviated as ALE — helps to pay for the expense of living elsewhere temporarily while your home is being rebuilt or repaired.
There is no state law in Kentucky or Tennessee that mandates homeowners must carry a home insurance policy. However, landlords may require you to have home insurance before approving a loan.
When calculating how much home insurance coverage you need, consider the replacement value of your home. You want enough home insurance to rebuild or replace items you potentially lose.
Keep in mind that there are limits on what is covered under home insurance. Flood and earthquake coverage are not generally included in a homeowners insurance policy. You may also need to purchase additional endorsements for expensive jewelry, art, furs and electronics.
Be sure to speak with an Augustine Insurance agent about covering your home near Fort Campbell, Kentucky to protect against any potential disaster.
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