The top-rated landlord insurance agent in Hopkinsville, Kentucky is Steve Crisp - State Farm Insurance Agent, rated 5.0 stars across 743 reviews. Other highly rated options include Michael Venable - State Farm Insurance Agent, Shelter Insurance, Kentucky Farm Bureau Insurance. This directory lists 20 landlord insurance agents serving Hopkinsville.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Steve Crisp - State Farm Insurance Agent | 3247 Lafayette Rd | (270) 885-3139 |
| 2 | Michael Venable - State Farm Insurance Agent | 1107 S Virginia St | (270) 885-0063 |
| 3 | Shelter Insurance | 1211 Skyline Dr | (270) 632-1307 |
| 4 | Kentucky Farm Bureau Insurance | 250 Burley Ave | (270) 885-3276 |
| 5 | Tom Bell - State Farm Insurance Agent | 205 Bill Flynn Blvd | (270) 885-2982 |
| 6 | Pollock-Christian County Insurance | 710 W 15th St | (270) 518-5646 |
| 7 | Kristy Walker: Allstate Insurance | 4447 Canton Pike | (270) 707-0404 |
| 8 | Legacy Insurance - KY | 2512 Fort Campbell Blvd # C | (270) 975-3133 |
| 9 | Kentucky Farm Bureau Regional Claims Office | 1810 E 9th St | (270) 886-8123 |
| 10 | Charlie Henderson - State Farm Insurance Agent | 2919 Fort Campbell Blvd Ste B | (270) 885-2230 |
Steve Crisp - State Farm Insurance Agent serves landlords in Hopkinsville, Kentucky and the surrounding county. The agency provides insurance coverage tailored for rental property owners. General offerings include protecting buildings from common risks like fire, storm damage, and liability claims. They also assist with policy options designed to safeguard rental income streams. Specific services handled in this area include coverage for multi-unit dwellings and protection against loss of rent from tenant default or property damage.
Michael Venable - State Farm Insurance Agent provides a range of landlord insurance services for property owners in the Hopkinsville, Kentucky area. Coverage options typically address property damage, liability protection, and loss of rental income, helping to safeguard investment properties through tailored policies. The agency offers personalized consultations to review coverage needs and can assist with any policy adjustments or claims throughout the year. Standard maintenance plans are not offered separately, but service includes ongoing support for policy management. Their landlord insurance services single-family homes, apartments, retail spaces, and restaurants.
Shelter Insurance serves homeowners, businesses, and property managers in Hopkinsville, Kentucky, offering landlord insurance agent services to protect rental properties and investment income. It provides tailored coverage plans for single-family rentals and multi-unit dwellings, addressing common local risks such as weather damage and liability claims. Property owners can review policy options that align with financial and property management goals. The agency also extends its services to nearby communities in Christian County, including areas around Fort Campbell.
Kentucky Farm Bureau Insurance serves Hopkinsville and surrounding communities in Christian County, handling landlord insurance needs for local property owners. This agency assists with policies that protect rental dwellings, including coverage for structures, liability, and potential loss of rental income. To manage a typical job, the agent begins by reviewing the client's specific property details and rental situation, then matches those needs with appropriate coverage options from their portfolio.
Tom Bell - State Farm Insurance Agent in Hopkinsville, KY, provides landlord coverage that requires a clear distinction between a one-time policy for a single vacancy and recurring protection for a rented property with ongoing tenant activity. Such policies typically cover dwelling damage, liability claims, and loss of rental income. Service for existing clients is arranged on an as-needed basis, allowing for policy adjustments or claims support when a property situation changes.
Pollock-Christian County Insurance specializes in crafting tailored policies for residential rental properties, overseeing protection against tenant damage and liability claims. In Hopkinsville, Kentucky, it provides comprehensive landlord insurance services designed to safeguard property investments across various local housing types. Its expertise extends to helping landlords address coverage concerns that arise during the seasonal turnover months, such as managing sudden vacancy risks and weather-related repairs that can occur with tenant transitions.
As winter approaches in Hopkinsville, landlords often worry about burst pipes or liability from icy walkways, and Kristy Walker: Allstate Insurance helps property owners address these gaps. The agency reviews coverage structures tailored for rental properties, ensuring protection from tenant damage and income loss. A typical first step involves an agent inspecting the property to assess its age, layout, and existing safety features before recommending a policy.
Legacy Insurance - KY provides property coverage for residential and commercial rental properties in Hopkinsville and the surrounding region. Its specialty add-ons can include loss-of-rent protection and liability coverage for on-site injuries. This agency assists clients with standard policies and can address unique risks inherent to rental housing. Its services support landlords with single-family homes, multi-unit apartment buildings, mixed-use developments, offices, warehouses, and food service establishments.
Kentucky Farm Bureau Regional Claims Office in Hopkinsville offers residential landlord insurance services, helping property owners protect rental homes in the local area. Commercial landlord coverage is also available for multi-unit or business-related properties throughout the region. As a landlord insurance agent, the office assists with policy management and claims guidance. Property owners can follow up on existing policies between regular visits to discuss coverage adjustments or address specific property concerns, ensuring ongoing support for their rental investments.
Charlie Henderson - State Farm Insurance Agent in Hopkinsville, KY is known for providing comprehensive coverage options tailored to property owners who lease residential units to tenants. The service range focuses on protecting landlords from financial risks such as property damage, liability claims, and rental income loss. Each policy is designed to address the specific needs of local rental property investors. A specialty service that can be added on is coverage for vandalism and malicious mischief by tenants.
What Does a a Landlord Insurance Agent in Hopkinsville Cost?
Landlord insurance in Kentucky typically costs 15 to 25 percent more than standard homeowners insurance. For a single-family rental in Hopkinsville annual premiums often range from 800 to 1,500 dollars depending on property value location and coverage limits. Policies with higher liability limits or flood endorsements will cost more. This is general information and not insurance advice.
About landlord insurance agents in Hopkinsville
Landlord insurance agents in Hopkinsville Kentucky help rental property owners find coverage that meets local needs. Kentucky law does not require landlord insurance but mortgage lenders often do. Agents can explain how policies cover property damage liability and loss of rental income in the Hopkinsville market.
Frequently Asked Questions
What does landlord insurance cover in Kentucky?
Landlord insurance typically covers the building structure liability for tenant injuries and loss of rental income if the property becomes uninhabitable. It does not cover tenant personal belongings. Kentucky law allows landlords to require tenants to carry renters insurance.
Is landlord insurance required by Kentucky law?
Kentucky does not have a state law requiring landlord insurance. However your mortgage lender may require it as a condition of the loan. A local agent can help you meet lender requirements while adding optional coverages.
How do I choose a landlord insurance agent in Hopkinsville?
Look for an agent who specializes in rental property coverage and understands Kentucky landlord-tenant laws. Ask about replacement cost valuation liability limits and coverage for natural disasters common in western Kentucky such as storms and flooding.
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