Home & Auto Insurance in Kirksey, KY | Boswell Insurance Agency
Kirksey is a small, tight-knit rural community northwest of Murray in Calloway County — the kind of place where families have farmed the same land for generations and neighbors help neighbors. At the Boswell Insurance Agency, we cover Kirksey households, farms, and small businesses with the personal service that has earned us 136 five-star Google reviews (5.0★) — more than any other independent agency around Murray.
Why Kirksey Homeowners Choose Boswell
We’re independent — we shop across five carriers and recommend the one that actually fits your household. Our flagship carrier is Erie Insurance, and we’re one of the top Erie agencies in western Kentucky. Erie’s Rate Lock freezes your auto rate until you change the policy, and its Kentucky homeowners policy comes with guaranteed replacement cost on the dwelling by default — the coverage that matters when a storm takes a roof off.
When Kirksey clients call, they get a real person in our Murray office — not a national call center, not a chatbot. That’s what our 136 five-star reviews consistently reflect.
Common Insurance Needs in Kirksey
Wind and hail protection. Western KY is in the severe-weather corridor. Kirksey homeowners need replacement cost coverage on dwelling and personal property, and — where the carrier allows — a single AOP deductible instead of a separate percentage wind/hail deductible.
Farm and hobby-farm coverage. A lot of Kirksey addresses come with real acreage — working row crops, cattle, or hobby farms. Standard homeowners policies leave gaps on outbuildings, farm equipment, livestock, and farm liability. We write proper farm policies where the property warrants it and endorse residential policies for smaller hobby operations.
Well and septic. Nearly every Kirksey home is on a well and septic. Adding service line coverage and equipment breakdown to your homeowners policy is inexpensive and covers the failures a base policy doesn’t.
Teen drivers on rural roads. Rural Calloway County roads see higher single-vehicle accident rates. UM/UIM limits and an umbrella policy are the two most important protection layers for households with a young driver.
How Coverage Might Differ From Murray Proper
A Kirksey address may see a different premium than a Murray city address because of fire protection scoring (rural ISO ratings, distance to hydrants and fire stations), property mix (larger lots, outbuildings, private roads), and road type. Sometimes rural is cheaper (lower theft, fewer miles). Sometimes it’s more expensive (fire protection). We walk you through the rating drivers on your specific quote so nothing is a surprise.
Frequently Asked Questions
Do you insure homes in Kirksey?
Yes. We write throughout Kirksey, Lynn Grove, Almo, Coldwater, and the rest of Calloway County.
Do you write farm insurance?
Yes. We cover hobby farms, cattle operations, row crop farms, farm equipment, livestock, and farm liability through multiple carriers.
Which carrier is best for a rural Kirksey home?
Erie is our most-recommended carrier for rural Calloway County homes because of the guaranteed replacement cost default and Rate Lock on auto — but we quote multiple carriers side by side.
Can you cover outbuildings and shops?
Yes. We add the correct endorsements or write a farm policy if the operation warrants it.
How do I get a Kirksey insurance quote?
Call (270) 753-3500 or request a quote at theboswellagency.com/request-a-quote. Same-day turnaround on most quotes.
Get a Kirksey 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.
