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621 Broadway, 
Paducah, KY 42001


Call   270-444-7291   or
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The Facts About Kentucky Home Insurance

When people shop for home insurance, they are actually seeking not just one type of coverage but possibly several different varieties. Homeowners insurance, renters insurance, and condo insurance are all typically included within the category of home insurance. Whether you own the property that you live on or whether you are renting it short term, you need to have insurance coverage to guard against disasters and losses.

Homeowners, Condo, and Renters Policy Types: The Differences

A homeowners policy is for people who own their own home. This may be either a house or a condominium: Essentially, if you are making payments on the home with ownership as the end goal you will need homeowners insurance. This type of policy will cover both the outside of the home and all the contents of your home. It will cover the majority of natural disasters (certain disasters like earthquakes may be excluded but you may add extra coverage for that specific purpose) and will allow you to replace or rebuild damaged property. If your home is broken into by a thief and items are stolen your insurance will help replace stolen items and pay for any damage in terms of vandalism that the thief did.

With a renter's policy, the coverage includes the inner contents of the home, apartment, or room that you are renting. This is coverage for the break-ins, the natural disasters, fires, and other circumstances that are beyond your control. Even though your landlord will have a homeowners policy on the place you are living, it does not cover your own personal items as a renter, which is why renters insurance is essential.

You may be very surprised to see the range of prices you'll get in home insurance quotes. You can sometimes save hundreds of dollars, or even more, simply by choosing one company over another. However, it is important that you get quotes only from reliable top carriers. Your local independent agent is the best resource for this since they can accumulate multiple quotes from the top carriers for you online. Your independent agency will give you the power to compare all the best policy options conveniently at home!

 
Carriers We Represent!

Our agency knows the importance of putting our customers first. For this reason, we have worked diligently to be able to offer you the best coverage from the best companies. Whether your home is a small, ranch style home or a million dollar mansion, we have a market for you!

 

 
 
 
 
Client Testimonials
 
"I have been insured by Bradshaw & Weil for decades. I have had few claims, but a need arose, the insurance and service was always promptly and courteously there. The coverage may not be the least expensive, but if and when a need arises, it is nice not to have to haggle over every little thing." - Anonymous
 
"Great customer service."- R Palmer
 
"I feel like we are getting the best protection for our money. Other providers have asked for opportunity to give us a quote for protection. After receiving their quote and comparing apples to apples we are receiving the best service from Bradshaw & Weil." - Anonymous
 
"Great service. Friendly reminders when premiums are due. Always available to answer any questions that I might have." - Anonymous
 
"Always friendly, always helpful and always available, thank you" - L Wilkins
 
Bradshaw & Weil, Inc. BBB Business Review