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(270) 925-1524

Insurance Agent in Benton, KY

Independent insurance for Benton and Marshall County, KY: auto, home, lake property and business. We compare Erie and other carriers. Get a quote.

Get a Quote Call (270) 925-1524

Independent insurance for Benton and Marshall County

Boswell Insurance Agency serves Benton, Hardin, Aurora and the rest of Marshall County from our Murray office, including homes and lake places around Kentucky Lake and Land Between the Lakes.

As an independent agency, we put Erie and our other carriers side by side for every household and business we insure, and we re-shop your coverage at renewal instead of just renewing it.

Local things Benton and Kentucky Lake owners should know

Lake houses need their own setup

A seasonal or secondary home needs its own policy setup. Vacancy and occupancy clauses can limit coverage if the insurer thinks nobody is living there, docks and boathouses fall under other-structures coverage, and renting your lake place on Airbnb or VRBO is a business activity to tell your agent about before the first guest.

The Kentucky Lake home insurance guide

Flood is a separate policy

Standard homeowners policies exclude flood damage almost across the board, and you don't have to live in a mapped floodplain to flood. There are two main options, the federal NFIP program and private flood carriers, and a waiting period typically applies before coverage starts, so the time to buy is before the forecast turns ugly.

The flood insurance gap in Western Kentucky

Marshall County's disaster record

FEMA's public data lists 29 federal declarations that included Marshall County between March 1975 and January 2026. Only 7 of them opened the Individual Assistance programs that can reach households directly, and FEMA says its assistance is not a substitute for insurance.

Marshall County's disaster declarations

Commuting to Paducah

Progressive routinely wins for our clients who commute Benton-to-Paducah, because high mileage doesn't scare them. We quote it next to Erie and our other carriers on the same coverage.

Top 10 auto insurance carriers in Kentucky for 2026

Carriers we compare

We quote across 12 carriers, led by Erie Insurance:

  • Erie Insurance
  • Progressive
  • Liberty Mutual
  • National General
  • Openly
  • Steadily
  • American Modern
  • Foremost
  • The Hartford
  • GEICO (Seaworthy)
  • Obie
  • Hagerty

Get a quote

We'll shop 12 carriers and come back with options that actually fit.

Get a Quote
Or call (270) 925-1524

Our office

Boswell Insurance Agency
1051 N 16th St, Ste D
Murray, KY 42071

Monday – Friday, 9:00 AM – 5:00 PM · Saturday & Sunday by appointment

Contact us

Questions people in Benton ask

Do you have an insurance agent who serves Benton, KY?
Yes. Boswell Insurance Agency serves Benton, Hardin, Aurora and the rest of Marshall County from our office at 1051 N 16th St, Ste D in Murray. Call 270-925-1524 or request a quote online.
Does homeowners insurance cover a Kentucky Lake house?
It can, but a seasonal or secondary home needs its own policy setup. Vacancy and occupancy clauses can limit coverage if the insurer thinks nobody is living there, docks and boathouses fall under other-structures coverage, and renting the place on Airbnb or VRBO is a business activity. Our Kentucky Lake home insurance guide covers lake houses, seasonal places and short-term rentals.
Does homeowners insurance cover flooding near Kentucky Lake?
No. Standard homeowners policies exclude flood damage. Rising water from the lake or a swollen creek needs a separate flood policy, through the federal NFIP program or a private flood carrier, and a waiting period typically applies before it starts.
Can you insure a small business in Benton?
Yes. We quote commercial property, general liability and workers' compensation for businesses in Benton and across Marshall County.
Get a Quote Call (270) 925-1524