Home & Auto Insurance in Almo, KY | Boswell Insurance Agency
Almo sits just a few miles northeast of Murray in Calloway County — a quiet rural community where families know their neighbors, kids grow up around Almo Elementary, and pickups outnumber sedans in most driveways. At the Boswell Insurance Agency, we cover Almo homeowners, drivers, farmers, and small business owners with the same personal service we bring to every household in the county — service that has earned us 136 five-star Google reviews (5.0★), more than any other independent agency around Murray.
Why Almo Homeowners Choose Boswell
We’re independent — which means we shop your home and auto coverage across five carriers and recommend the one that fits your situation, not the one with the biggest commission. Our flagship carrier is Erie Insurance, and we’re one of the top Erie agencies in western Kentucky. Erie’s Rate Lock feature freezes your auto premium until you make a policy change, and their homeowners policy defaults to guaranteed replacement cost on the dwelling — a big deal after wind or hail damage in rural KY.
When you call our office, you get a real person who lives and works in Murray. When you file a claim, we walk it through with you personally. That’s not marketing — that’s what our 136 five-star reviews say over and over.
Common Insurance Needs in Almo
Wind and hail coverage. Western Kentucky is in an active severe-weather corridor — the 2021 tornado outbreak is a permanent reminder. Almo homeowners should carry replacement cost coverage on both dwelling and personal property, and ideally a policy that doesn’t apply a separate wind/hail deductible.
Rural property considerations. Many Almo homes are on acreage, with a barn, shop, outbuildings, or a hobby farm. Standard homeowners policies don’t automatically cover a detached shop full of tools or livestock. We build policies with the right endorsements and, where appropriate, quote a proper farm policy.
Well and septic. If your Almo home is on a well and septic system (most rural Calloway County homes are), you want service line coverage and equipment breakdown endorsements. A failed well pump or backed-up septic line is not covered on a base homeowners policy — but it can be added inexpensively.
Teen drivers on rural roads. Rural KY roads see higher single-vehicle accident rates. If you have a 16- or 17-year-old driving to Murray High or Calloway County High, we make sure your uninsured/underinsured motorist limits are appropriate and your umbrella policy is in place.
How Coverage Might Differ From Murray Proper
An Almo address may see different premiums than a comparable home in Murray city limits for a few reasons: distance to a fire station and hydrants (rural ISO ratings vs. city), property mix (larger lots, outbuildings, private roads), and road type (rural highway drivers see different risk profiles than in-town commuters). Sometimes rural is cheaper (lower theft rates, fewer miles driven). Sometimes it’s more expensive (fire protection). We help you understand exactly which factors are driving your rate.
Frequently Asked Questions
Do you cover homes outside Murray city limits?
Yes. We write policies across Almo, Kirksey, Lynn Grove, Hazel, Dexter, Faxon, and the rest of Calloway County plus surrounding counties.
Which carrier is best for a rural Almo homeowner?
It depends on your property — but Erie Insurance is our most-often-recommended carrier for rural Calloway County homes because of the guaranteed replacement cost default and Rate Lock on auto.
Can you insure a farm or hobby farm near Almo?
Yes. We write farm and hobby-farm policies through multiple carriers, including full farm operations, equipment, livestock, and farm liability.
How do I get a quote?
Call us at (270) 753-3500, request a quote online at theboswellagency.com/request-a-quote, or stop by our Murray office. We usually turn quotes around the same day.
Do you offer bundle discounts?
Yes. Every one of our carriers offers a multi-policy discount when you bundle home and auto, and most add another discount if you add a life insurance policy.
Get an Almo Insurance Quote Today
Call (270) 753-3500 or request a quote at theboswellagency.com/request-a-quote. Read what your Almo neighbors say about us on Google (136 five-star reviews).
Written by Blake Boswell, owner of the Boswell Insurance Agency, Murray, KY.
