Home & Auto Insurance in Cadiz, KY | Boswell Insurance Agency
Cadiz is the county seat of Trigg County and the western gateway to Land Between the Lakes — one of the largest inland recreation areas in the country. It’s also the home of the Trigg County Country Ham Festival, one of the best-known small-town festivals in western Kentucky. That mix of small-town living, family farms, lake and LBL tourism, and second-home ownership gives Cadiz an insurance profile that rewards a shop-the-market approach. At the Boswell Insurance Agency, we insure Cadiz homes, vehicles, boats, RVs, farms, and small businesses with the same personal service that has earned us 136 five-star Google reviews (5.0★) — more than any other independent agency serving western Kentucky.
Our Murray office is a short drive from Cadiz, and Erie’s Kentucky footprint lets us write across county lines without you losing continuity or claims service. If your current agent is captive to one carrier — or if you’ve simply outgrown your policy as you’ve added a cabin, an RV, or a boat — we’re glad to shop the market and show you the options side by side.
Why Cadiz Homeowners Choose Boswell
We’re independent — meaning we shop across five carriers and recommend the one that fits your household, not the one that pays us best. 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 the KY homeowners policy defaults to guaranteed replacement cost on the dwelling — the coverage that actually matters after a severe-weather event.
When a Cadiz client calls our office, they reach a real person in Murray. That’s what our 136 five-star Google reviews consistently say — responsive, honest, local. We handle Trigg County the same way we handle Calloway County: sit down, look at what you actually own, and match it to the right policy.
Common Insurance Needs in Cadiz
Short-term rental and cabin owner coverage. With LBL drawing visitors year-round, a lot of Trigg County property owners rent a cabin, guest house, or lake cottage on Airbnb or Vrbo — sometimes just a few weekends a year, sometimes as a business. That usage almost always voids a standard homeowners policy at claim time. We write dedicated short-term rental policies and hybrid dwelling/business policies that keep coverage in force while paying guests are on the property.
Boat and RV coverage. LBL is one of the largest RV camping destinations in the region, and Lake Barkley sits right on the Trigg County line. We write boat, jet ski, travel trailer, motorhome, and camper policies — including full-timer coverage for owners who spend extended time in an RV, and vacation liability for the campsite.
Farm and hobby-farm coverage. A large share of Trigg County addresses come with acreage, cattle, row crops, or hobby farming. Standard homeowners policies leave gaps on outbuildings, equipment, livestock, and farm liability. We write a farm policy where the operation warrants it, or endorse the residential policy for smaller hobby setups.
Wind and hail coverage. Trigg County is squarely in the western Kentucky severe-weather corridor. Cadiz homes need replacement cost coverage on both the dwelling and personal property, and — where possible — a policy that avoids a separate wind/hail deductible. Roof age and shingle type will drive the quote more than most homeowners expect.
Teen drivers. Rural KY roads see higher single-vehicle accident rates than in-town driving. Strong UM/UIM limits and an umbrella policy are the two most important protection layers for any Cadiz family with a young driver.
Small business coverage. Cadiz-area small businesses — contractors, main-street retail, restaurants, ham vendors around Ham Festival season, and LBL-adjacent tourism services — need commercial property, general liability, commercial auto, and (for anyone with employees) workers’ compensation. We write BOP packages and standalone commercial lines through several markets and match the policy to how the business actually operates.
How Coverage Might Differ From Murray Proper
A Cadiz address may rate differently from a comparable home in Murray city limits. A few of the factors that move the number:
- Fire protection scoring. Rural ISO ratings, distance to the nearest staffed fire station, and hydrant proximity all factor in. Sometimes rural is cheaper (lower theft frequency, fewer miles driven); sometimes it’s more expensive because of fire protection distance.
- Property mix. Larger lots, outbuildings, private drives, and second-home use all shift the underwriting.
- Cross-county Erie licensing. Erie is fully licensed across Trigg County, so writing your policy from our Murray office does not change your claim service or your coverage — it just means your agent knows you.
- Rental use. If any part of the property is rented (nightly, weekly, or long-term), we need to structure the policy differently. Doing it right up front is a small cost; doing it wrong is a denied claim.
We walk you through the specific rating factors on your quote so you understand exactly what’s driving the premium — and what you could change to move it.
Frequently Asked Questions
Do you insure homes in Cadiz and Trigg County?
Yes. We write throughout Cadiz, Canton, Golden Pond, and the rest of Trigg County, along with Calloway, Marshall, Graves, and Christian counties.
Can you insure a short-term rental cabin near LBL?
Yes. Airbnb and Vrbo cabins, lake cottages, and guest houses need a specific policy structure — a standard homeowners policy typically will not respond to a paying-guest claim. We write dedicated short-term rental policies.
Do you write RV and travel trailer coverage?
Yes. Motorhomes, travel trailers, fifth wheels, and campers — including full-timer coverage and campsite vacation liability.
Do you write farm insurance near Cadiz?
Yes. Hobby farms, cattle operations, and row crop farms — we cover equipment, livestock, farm liability, and outbuildings through multiple carriers.
How do I get a Cadiz insurance quote?
Call (270) 753-3500 or request a quote at theboswellagency.com/request-a-quote. Same-day turnaround on most quotes.
Get a Cadiz Insurance Quote Today
Call (270) 753-3500 or request a quote at theboswellagency.com/request-a-quote. Read our 136 five-star Google reviews.
Written by Blake Boswell, owner of the Boswell Insurance Agency, Murray, KY.
