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Elite Risk Advisors
by Elite Risk Advisors
on Mar 10, 2026, 3:07:20 PM

When the March hailstorm rolled through Owensboro and surrounding Western Kentucky communities, it wasn’t just homes and cars that took a beating. Many churches — in Owensboro, Livermore, Calhoun, ...

Insurance Answers for Owensboro & Western Kentucky

Hail damaged roof shingles on Owensboro Kentucky home after severe storm
Elite Risk Advisors
by Elite Risk Advisors
on Mar 10, 2026, 2:39:40 PM

The March 15, 2025 hailstorm in Owensboro left many homeowners with unexpected damage — and even more with an unpleasant surprise: their insurance coverage wasn't what they thought it was. Gaps in ...

Scenic fall country road in Western Kentucky with autumn foliage and driving hazards
Elite Risk Advisors
by Elite Risk Advisors
on Mar 10, 2026, 2:14:32 PM

Fall in Owensboro means cooler weather, shorter days, and a big increase in roadside risks. From deer crossing rural highways to slick leaves on neighborhood streets, accidents tend to spike this ...

Insurance agent explaining Medicare options to senior couple at Owensboro office
Elite Risk Advisors
by Elite Risk Advisors
on Mar 10, 2026, 11:30:43 AM

Medicare can feel confusing, especially during the Annual Enrollment Period (AEP). From October 15 to December 7, many Owensboro residents have questions about what plan is right for them. At Elite ...

Senior reviewing Medicare enrollment deadline letter at kitchen table in Owensboro Kentucky
Elite Risk Advisors
by Elite Risk Advisors
on Mar 10, 2026, 11:06:19 AM

Medicare provides valuable health coverage for thousands of Owensboro residents age 65 and older — but enrolling at the wrong time can really cost you. Delays or mistakes during the sign-up process ...

Young professional on downtown Owensboro Main Street representing single adults who need life insurance
Elite Risk Advisors
by Elite Risk Advisors
on Mar 10, 2026, 10:28:48 AM

At Elite Risk Advisors, we know that when people think of life insurance, they often picture parents protecting their children's future. While that's important, life insurance is much more ...

Home in Owensboro, Kentucky during winter weather that can lead to water damage
Elite Risk Advisors
by Elite Risk Advisors
on Jan 22, 2026, 7:24:24 PM

With a forecast predicting that temperatures will drop below freezing in Owensboro and across Western Kentucky, the risk of water damage becomes very real for homeowners in our area.

Owensboro family discussing life insurance planning at their kitchen table
Elite Risk Advisors
by Elite Risk Advisors
on Jan 9, 2026, 11:07:06 AM

Life insurance matters most on your hardest day. If something happened to you, would your family be okay?

Senior reviewing Medicare options during the Annual Election Period in Owensboro, Kentucky.
Elite Risk Advisors
by Elite Risk Advisors
on Nov 19, 2025, 11:33:26 AM

The Annual Enrollment Period (AEP) runs October 15–December 7. If you’re in Owensboro and want to check benefits, drug costs, or doctors in‑network, this simple checklist will keep you on track.

Flooded neighborhood in Owensboro, Kentucky showing homes surrounded by rising water.
Elite Risk Advisors
by Elite Risk Advisors
on Nov 19, 2025, 9:48:38 AM

Short answer: Standard homeowners insurance does not cover flood. That surprises many people after heavy rain or a river rise. Here’s what counts as a flood—and how to protect your home in Owensboro.

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.