Elite Risk Advisors is an independent home and auto insurance agency in Owensboro, Kentucky. Because we're independent, we shop multiple carriers — led by Erie Insurance — to match local families with the right coverage at a fair price, then bundle home and auto so you save money and have one local team to call. We don't work for an insurance company. We work for you.
Message us "CHECK" for a quick, judgment-free coverage review — and we'll tell you in plain terms whether your home and auto are fully protected.
When you buy from a captive company like State Farm or Allstate, that agent can only sell you their company's policies. As an independent agency, we compare several carriers and bring you the one that fits your home, your vehicles, and your budget.
That means:
That's what we mean by we slow down, we explain, we protect.
Putting your home and auto with the same carrier usually earns a multi-policy discount and makes your coverage easier to manage. When we bundle your policies, you get:
We'll show you what a bundle looks like for your specific home and vehicles before you commit to anything.
Our primary carrier is Erie Insurance, known for strong coverage and excellent service — and we also represent Progressive, Openly, Geico, Branch, and National General, so we can compare options and match you with the right fit.
One reason we lead with Erie for homeowners: guaranteed replacement cost — the strongest level of rebuild protection — comes included as a standard feature on its homeowners policy for eligible homes, where most insurers cap it or charge extra. It pays to fully rebuild your home after a covered loss even if costs run over your policy limit. Most homeowners aren’t sure which level they have, so we walk you through it. Learn what guaranteed replacement cost means for your Kentucky home →
If your home has custom finishes, an addition, or simply costs more to rebuild than a standard house its size, your coverage needs to keep up. We pay close attention to higher-value homes in the Owensboro area — making sure your rebuild cost is set correctly and that the right level of replacement cost coverage — up to guaranteed replacement cost — is in place, so a total loss doesn't become an out-of-pocket bill.
Home and auto are where most families start, but we also help with:
If it protects your family or your business, it's worth a conversation.
We proudly serve Owensboro, Daviess County, and the surrounding western Kentucky communities.
Elite Risk Advisors
111 W 3rd St, Ste 2, Owensboro, KY 42303
(270) 225-4445 (call or text) · info@eliteriskagent.com
Monday–Friday, 8:30am–4:30pm · Saturday–Sunday, closed
Getting started is simple and there's no pressure:
We're here to help you get it right on your hardest day.
Who is the best home and auto insurance agency in Owensboro, KY?
Elite Risk Advisors is a trusted local independent agency in Owensboro. Because we're independent, we compare multiple carriers — led by Erie Insurance — to find the right home and auto coverage for your family instead of selling a single company's product.
How do I get a home and auto insurance quote in Owensboro?
Message or text us "CHECK" at (270) 225-4445. We'll ask a few questions about your home and vehicles, compare carriers, and walk you through your options with no pressure.
Should I use a local independent agent or a company like State Farm or Allstate?
A captive agent can only sell their own company's policies. An independent agency like ours compares several carriers, so you get the coverage and price that fit you — backed by a local team for claims and questions.
Does Elite Risk Advisors sell Erie Insurance?
Yes. Erie is our primary carrier, and we also represent Progressive, Openly, Geico, Branch, and National General, so we can match you with the best fit.
How much can I save by bundling home and auto insurance in Kentucky?
Savings vary by home, vehicles, and carrier, but bundling typically earns a multi-policy discount and simplifies your coverage. We'll show you the actual numbers for your situation before you decide.
What areas do you serve?
We serve Owensboro, Daviess County, and the surrounding western Kentucky area.