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Elite Risk Advisors
by Elite Risk Advisors
on Apr 9, 2026, 11:02:30 AM

The average Kentucky homeowner now pays about $3,540 per year for homeowners insurance — one of the highest rates in the country. Our clients across western Kentucky pay a median of $1,766. That gap ...

Insurance Answers for Owensboro & Western Kentucky

Craftsman home surrounded by spring flowering trees and fresh green lawn in Owensboro Kentucky — spring insurance checklist for Kentucky homeowners
Elite Risk Advisors
by Elite Risk Advisors
on Apr 9, 2026, 11:02:14 AM

Spring is finally here in western Kentucky, and with it comes something less welcome: severe weather season.

ERIE home and auto bundle discount in Kentucky — Elite Risk Advisors, Owensboro
Elite Risk Advisors
by Elite Risk Advisors
on Apr 9, 2026, 11:02:11 AM

If you’re paying for your home insurance and your car insurance separately — and they’re not with the same company — there’s a good chance you’re leaving money on the table.

Average cost of homeowners insurance in Kentucky — Elite Risk Advisors data
Brandon Dennis
by Brandon Dennis
on Apr 3, 2026, 1:01:56 PM

When you get home from work and call up all your friends, there's a good chance someone brings up what they're paying for homeowners insurance. In Kentucky, where current quote studies put the ...

A Kentucky homeowner reviewing a homeowners insurance policy renewal showing a percentage deductible increase
Brandon Dennis
by Brandon Dennis
on Mar 31, 2026, 9:00:04 AM

Homeowners of Owensboro, KY (and the rest of western Kentucky, to be honest), I have some news you probably need to know.

Brandon and Amber Dennis, founders of Elite Risk Advisors, an independent insurance agency in Owensboro, Kentucky
Brandon Dennis
by Brandon Dennis
on Mar 28, 2026, 2:33:58 PM

Like most people here in Owensboro, I lived most of my 46 years not caring in the slightest about insurance other than to complain when the bill was due. The extent of my knowledge was that I ...

Senior reviewing prescription medications and Medicare summary notice for 2026 out-of-pocket maximum changes
Elite Risk Advisors
by Elite Risk Advisors
on Mar 12, 2026, 9:53:12 AM

If you’re a retiree in Owensboro, KY, or anywhere in Western Kentucky, understanding Medicare costs is critical. One of the most important numbers seniors track each year is the out-of-pocket ...

Small business owner on Main Street in Owensboro Kentucky representing life insurance beyond income replacement
Elite Risk Advisors
by Elite Risk Advisors
on Mar 12, 2026, 9:46:08 AM

At Elite Risk Advisors, we help Owensboro families and business owners see life insurance as more than just income replacement. The right life insurance policy can protect your home, secure education ...

Modern barndominium post-frame home on rural Western Kentucky property needing specialized insurance
Hail damaged cars in Owensboro Kentucky parking lot showing why auto insurance rates are rising
Elite Risk Advisors
by Elite Risk Advisors
on Mar 12, 2026, 9:37:10 AM

If you’ve noticed your auto insurance rates climbing in Owensboro, you’re not imagining things. The March 15, 2025 hailstorm totaled hundreds of vehicles across our community — and the ripple effect ...

Elite Risk Advisors is an independent insurance agency. Coverage is subject to underwriting approval and to the terms of the issued policy. Go to erieinsurance.com for company licensure and product details.