Insurance Agent in Paducah, KY

Independent insurance for Paducah and McCracken County, KY: auto, home, business and trucking. We compare Erie and other carriers. Get a quote today.

Get a Quote Call (270) 925-1524

Independent insurance for Paducah and McCracken County

Boswell Insurance Agency serves Paducah, Reidland, Lone Oak and the rest of McCracken County from our Murray office.

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.

What we cover

Local things Paducah homeowners and drivers should know

Earthquakes and the 20% deductible

Since 1976 the USGS has recorded 44 earthquakes of magnitude 2.5 or greater within 31 miles of Paducah; the largest was a magnitude 4.0 near Bardwell in 2003. McCracken is in Kentucky's Far West earthquake region, where the lowest deductible an insurer offers can be as high as 20% of the coverage amount. Earthquake coverage is an endorsement or separate policy, and most insurers stop writing it for 30 to 60 days after a noticeable quake.

McCracken County earthquakes: 50 years of records

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

High-mileage commuters

Progressive routinely wins for our clients who commute Murray-to-Paducah or 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

Questions people in Paducah ask

Do you have an insurance agent who serves Paducah, KY?

Yes. Boswell Insurance Agency serves Paducah, Reidland, Lone Oak and McCracken 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 earthquakes in Paducah?

Not on its own. Earthquake coverage is an endorsement or a separate policy. McCracken County is in Kentucky's Far West earthquake region, where the lowest deductible an insurer offers can be as high as 20% of the coverage amount. Since 1976 the USGS has recorded 44 earthquakes of magnitude 2.5 or greater within 31 miles of Paducah, the largest a magnitude 4.0 near Bardwell in 2003, and most insurers stop writing earthquake coverage for 30 to 60 days after a noticeable quake.

Does commuting to Paducah affect my auto insurance?

Mileage is one of the things carriers weigh differently. Progressive often wins for our clients who commute Murray-to-Paducah or Benton-to-Paducah, because high mileage doesn't scare them. We compare it against Erie and our other carriers on the same coverage so you can see the difference.

Can you insure a trucking business in Paducah?

Yes. We write primary liability, physical damage and cargo for owner-operators and small fleets.

Get a Quote Call (270) 925-1524