Kentucky Homeowners Insurance (August 23)
Protect Your Home with Homeowners Insurance and Save with Way
Free quotes from 150+ carriers in seconds
Lowest rate guaranteed
No Spam or Long Forms
Are you looking to get the best home insurance quotes in KY? We have analyzed all the major home insurance companies to guide you in finding your ideal homeowners insurance in Kentucky
Key Takeaways
- Kentucky homeowners insurance costs $2,049 annually.
- Insurers offer home insurance policies in the state starting at around $1,173 annually.
- Since flooding is frequent in the state, try to buy additional flood insurance.
Kentucky homeowners insurance: What you need to know
On average, a homeowners insurance in KY costs around $2,049 annually. The rate is higher than the national average rate.
The state experiences four-season weather and tornado activity. Residents should have a home insurance policy with ample coverage to protect their homes from damage. However, the cost is only one of several important factors in determining the best homeowners insurance in Kentucky. So, we will help you find cheap homeowners insurance in KY with our analysis.
What does a homeowners insurance policy cover?
A home insurance policy normally covers Dwelling, Liability, Medical Payments to Others, Personal Property, Other Structures, and Additional Living Expenses. But also, you can buy these coverages in the state.
- Flood insurance: Generally, a home insurance policy doesn’t cover flood-related damages. For that, you need to buy flood insurance additionally. Many residents buy flood insurance through the Federal Emergency Management Agency’s (FEMA) National Flood Insurance Program (NFIP) or from private insurers.
- Water backup coverage: This coverage may help pay for repairs if your home gets damaged due to water backing up in a sewer or drain line. Water backups commonly happen in basements or crawl spaces after heavy rains but can also occur due to a blocked sewer or drain line.
- Identity theft coverage: Identity theft, while not a weather-related event, is becoming more common. Including this coverage could help you cover the costs of restoring your stolen identity.
What isn’t covered by a typical homeowners insurance policy?
Ideally, a home insurance policy doesn’t cover damages due to flooding, nuclear threats, insect and vermin infestations, earthquakes, power outages, war, wear and tear, sinkholes, or intentional loss. Always double-check your policy before buying to ensure the coverages you must receive.
The cheapest home insurance companies in Kentucky
The rate of Kentucky homeowners insurance varies by the insurer you choose. With an average annual rate of $1,173, Cincinnati Insurance offers the state’s most affordable auto insurance policy. The rate may even go lower if you get quotes from all the insurers in the state, compare, and buy!
| Insurer | Average annual rate |
|---|---|
| Cincinnati Insurance | $1,173 |
| Liberty Mutual | $1,198 |
| Safeco | $1,733 |
| State Auto | $$1,859 |
| USAA | $1,901 |
The best homeowners insurance in Kentucky for those with poor credit
Some insurers view a low credit score as an indicator of risky behavior and an increased risk of filing an insurance claim. As a result, they charge higher premiums. State Farm has the cheapest rate of homeowners insurance in KY for a homeowner with bad credit, with an average rate of $4,938 per year. Meanwhile, Auto-Owners Insurance has the highest yearly rate of $20,833.
| Insurer | Average annual rate |
|---|---|
| State Farm | $4,938 |
| Allstate | $5,085 |
| State Auto | $5,145 |
| Kentucky Farm Bureau Insurance | $5,314 |
| Auto-Owners | $20,833 |
The best homeowners insurance in Kentucky for pool owners
Homes with swimming pools cost more to insure. It is because many insurers consider swimming pools a liability risk, which means there is a higher likelihood of claims. State Auto has the cheapest Kentucky home insurance rates for homes with swimming pools, with an average rate of $1,297 per year. At the same time, Kentucky Farm Bureau has the most expensive rates, with an average annual rate of $4,818 per year.
| Insurer | Average annual rate |
|---|---|
| State Auto | $$1,297 |
| Auto-Owners | $2,501 |
| State Farm | $2,880 |
| Allstate | $3,568 |
| Kentucky Farm Bureau Insurance | $4,818 |
The best homeowners insurance in Kentucky for dog owners
Some home insurance companies consider certain dog breeds as ‘dangerous.’ Be ready to pay a higher rate for homeowners insurance in KY if you own a dog that your insurer considers ‘dangerous.’ Some insurers even deny coverage entirely. State Auto has the cheapest home insurance rates in Kentucky for a home with a dangerous dog breed, with an average yearly rate of $1,297 compared to Kentucky Farm Bureau’s average annual rate of nearly $4,818.
| Insurer | Average annual rate |
|---|---|
| State Auto | $$1,297 |
| Auto-Owners | $2,501 |
| State Farm | $2,880 |
| Allstate | $3,568 |
| Kentucky Farm Bureau Insurance | $4,818 |
Homeowners insurance deductibles in Kentucky
When purchasing a home insurance policy in Kentucky, homeowners have several options, including how high or low to set their deductible. The deductible is the amount the insured must pay for a covered loss. The location of your deductible can significantly impact how much you pay for insurance. Ideally, the lower your deductible, the higher your premium. As a result, if you want to keep your insurance rates low, opt for a higher deductible.
The following are common deductibles on most home insurance policies and the corresponding average insurance premiums.
| Deductible Level | Average annual rate |
|---|---|
| $500 | $1,707 |
| $1000 | $1,594 |
| $1500 | $1,524 |
| $2000 | $1,428 |
| $5000 | $1,218 |
Kentucky home insurance prices by coverage levels
Your level of homeowners coverage influences the premiums you pay. Carrying $100,000 in dwelling coverage costs an average of $866 per year in Kentucky. In contrast, a dwelling coverage up to $400K costs $2,427 per year.
| Dwelling coverage cost | Average annual rate |
|---|---|
| $100,000 | $866 |
| $200,000 | $1,453 |
| $250,000 | $1,594 |
| $400,000 | $2,427 |
Kentucky homeowners insurance costs by city
The cost of Kentucky home insurance varies by city too. Factors like your area’s crime rate and ZIP Code can impact the premiums. Here are the rates in various cities.
| City | Average annual rate |
|---|---|
|
City |
Average annual rate |
| Aberdeen | $1,631 |
| Adairville | $1,625 |
| Adams | $1,984 |
| Adolphus | $1,619 |
| Ages Brookside | $1,898 |
| Albany | $1,553 |
| Alexandria | $1,073 |
| Allen | $2,026 |
| Allensville | $1,678 |
| Almo | $1,594 |
| Alpha | $1,680 |
| Alvaton | $1,554 |
| Anchorage | $1,432 |
| Annville | $2,009 |
| Argillite | $1,382 |
| Arjay | $1,823 |
| Arlington | $1,733 |
| Artemus | $1,943 |
| Ary | $2,179 |
| Ashcamp | 1943 |
| Asher | $1,669 |
| Ashland | $1,386 |
| Auburn | $1,667 |
| Audubon Park | $1,398 |
| Augusta | $1,297 |
| Austin | $1,622 |
| Auxier | $2,011 |
| Avawam | $1,864 |
| Bagdad | $1,299 |
| Bandana | $1,526 |
| Banner | $1,923 |
| Barbourville | $1,834 |
| Bardstown | $1,388 |
| Bardwell | $1,753 |
| Barlow | $1,669 |
| Baskett | $1,531 |
| Battletown | $1,385 |
| Baxter | $1,915 |
| Bays | $1,712 |
| Bear Branch | $1,972 |
| Beattyville | $1,953 |
| Beaumont | 1658 |
| Beauty | $1,817 |
| Beaver | $1,924 |
| Beaver Dam | $1,490 |
| Bedford | $1,385 |
| Bee Spring | $1,794 |
| Beech Creek | $1,598 |
| Beech Grove | $1,430 |
| Beechmont | $1,547 |
| Beechwood Village | $1,449 |
| Belcher | $1,941 |
| Belfry | $1,966 |
| Bellefonte | $1,348 |
| Bellemeade | $1,390 |
| Bellevue | $1,081 |
| Bellewood | $1,415 |
| Belton | $1,583 |
| Benham | $1,928 |
| Benton | $1,637 |
| Berea | $1,308 |
| Berry | $1,282 |
| Bethelridge | $1,516 |
| Bethlehem | 1401 |
| Betsy Layne | $1,955 |
| Beverly | $1,922 |
| Bevinsville | $1,928 |
| Big Clifty | $1,653 |
| Big Creek | $2,149 |
| Big Laurel | $1,959 |
| Bighill | $1,233 |
| Bimble | $1,858 |
| Blackey | $1,909 |
| Blaine | $1,951 |
| Bledsoe | $1,917 |
| Bloomfield | $1,414 |
| Blue Ridge Manor | $1,424 |
| Blue River | $2,000 |
| Boaz | $1,606 |
| Bonnieville | $1,605 |
| Bonnyman | $1,965 |
| Booneville | $2,007 |
| Boons Camp | $1,909 |
| Boston | $1,387 |
| Bowling Green | $1,495 |
| Bradfordsville | 1459 |
| Brandenburg | $1,411 |
| Breckinridge Center | $1,535 |
| Breeding | $1,510 |
| Bremen | $1,541 |
| Briarwood | $1,428 |
| Brodhead | $1,729 |
| Bronston | $1,690 |
| Brooks | $1,434 |
| Brooksville | $1,312 |
| Browder | $1,624 |
| Brownsboro Farm | $1,430 |
| Brownsville | $1,732 |
| Bryants Store | $1,912 |
| Buckhorn | $2,012 |
| Buckner | $1,325 |
| Buffalo | $1,509 |
| Bulan | $1,951 |
| Burdine | $1,680 |
| Burgin | $1,286 |
| Burkesville | $1,602 |
| Burlington | $1,091 |
| Burna | 1591 |
| Burnside | $1,618 |
| Busy | $1,977 |
| Butler | $1,194 |
| Bypro | $1,843 |
| Cadiz | $1,429 |
| Calhoun | $1,433 |
| California | $1,091 |
| Calvert City | $1,678 |
| Calvin | $1,919 |
| Camargo | $1,279 |
| Cambridge | $1,382 |
| Campbellsburg | $1,353 |
| Campbellsville | $1,427 |
| Campton | $1,966 |
| Canada | $1,945 |
| Caneyville | $1,710 |
| Canmer | $1,610 |
| Cannel City | $1,615 |
| Cannon | $1,846 |
| Carlisle | $1,388 |
| Carrie | $2,043 |
| Carrollton | 1408 |
| Catlettsburg | $1,461 |
| Cave City | $1,548 |
| Cawood | $1,894 |
| Cecilia | $1,391 |
| Center | $1,722 |
| Centertown | $1,592 |
| Central City | $1,514 |
| Cerulean | $1,536 |
| Chaplin | $1,386 |
| Chappell | $1,769 |
| Chavies | $2,174 |
| Clarkson | $1,614 |
| Claryville | $1,067 |
| Clay | $1,599 |
| Clay City | $1,425 |
| Clayhole | $2,206 |
| Clearfield | $1,540 |
| Cleaton | $1,572 |
| Clermont | $1,497 |
| Clifty | $1,519 |
| Clinton | $1,724 |
| Closplint | 2029 |
| Cloverport | $1,572 |
| Coalgood | $2,057 |
| Cold Spring | $1,073 |
| Coldiron | $2,018 |
| Coldstream | $1,419 |
| Columbia | $1,419 |
| Columbus | $1,720 |
| Combs | $2,071 |
| Corbin | $1,858 |
| Corinth | $1,298 |
| Cornettsville | $1,958 |
| Corydon | $1,454 |
| Covington | $1,104 |
| Coxs Creek | $1,424 |
| Crab Orchard | $1,481 |
| Cranks | $2,005 |
| Crayne | $1,675 |
| Crestview | $1,073 |
| Crestview Hills | $1,074 |
| Crestwood | $1,323 |
| Crittenden | $1,264 |
| Crockett | 1652 |
| Crofton | $1,501 |
| Cromona | $1,593 |
| Cromwell | $1,658 |
| Cub Run | $1,689 |
| Cumberland | $1,890 |
| Cunningham | $1,656 |
| Curdsville | $1,552 |
| Custer | $1,600 |
| Cynthiana | $1,212 |
| Dana | $1,925 |
| Danville | $1,337 |
| David | $1,969 |
| Dawson Springs | $1,476 |
| Dayhoit | $2,012 |
| Dayton | $1,061 |
| De Mossville | $1,234 |
| Deane | $2,030 |
| Debord | $2,173 |
| Delphia | $2,118 |
| Dema | $2,013 |
| Denniston | $1,986 |
| Denton | 1546 |
| Dexter | $1,592 |
| Dixon | $1,675 |
| Doe Valley | $1,409 |
| Douglass Hills | $1,423 |
| Dover | $1,320 |
| Drake | $1,528 |
| Drakesboro | $1,559 |
| Drift | $1,769 |
| Druid Hills | $1,415 |
| Dry Ridge | $1,318 |
| Dubre | $1,600 |
| Dunbar | $1,615 |
| Dundee | $1,658 |
| Dunmor | $1,749 |
| Dunnville | $1,530 |
| Dwale | $1,781 |
| Dwarf | $1,677 |
| Dycusburg | $1,640 |
| Earlington | $1,476 |
| East Bernstadt | $1,971 |
| East Point | $1,916 |
| Eastern | 1986 |
| Eastview | $1,441 |
| Eastwood | $1,384 |
| Eddyville | $1,460 |
| Edgewood | $1,084 |
| Edmonton | $1,600 |
| Eighty Eight | $1,672 |
| Ekron | $1,391 |
| Elizabethtown | $1,337 |
| Elizaville | $1,406 |
| Elk Creek | $1,403 |
| Elk Horn | $1,434 |
| Elkfork | $1,680 |
| Elkhorn City | $1,965 |
| Elkton | $1,460 |
| Elliottville | $1,666 |
| Elsmere | $1,093 |
| Emerson | $1,433 |
| Eminence | $1,377 |
| Emlyn | $1,839 |
| Emmalena | $2,063 |
| Eolia | $1,938 |
| Erlanger | 1086 |
| Ermine | $1,892 |
| Essie | $1,827 |
| Etoile | $1,568 |
| Eubank | $1,538 |
| Evarts | $1,888 |
| Ewing | $1,357 |
| Ezel | $1,785 |
| Fairdale | $1,409 |
| Fairfield | $1,368 |
| Fairview | $1,497 |
| Falcon | $1,672 |
| Fall Rock | $1,836 |
| Falls of Rough | $1,698 |
| Falmouth | $1,294 |
| Fancy Farm | $1,688 |
| Farley | $1,545 |
| Farmers | $1,666 |
| Farmington | $1,653 |
| Fedscreek | $2,066 |
| Ferguson | $1,635 |
| Fincastle | $1,424 |
| Finchville | 1277 |
| Fisherville | $1,428 |
| Fisty | $1,880 |
| Flat Lick | $1,843 |
| Flatgap | $1,882 |
| Flatwoods | $1,369 |
| Flemingsburg | $1,370 |
| Florence | $1,096 |
| Fords Branch | $1,823 |
| Fordsville | $1,562 |
| Forest Hills | $1,962 |
| Fort Campbell North | $1,493 |
| Fort Knox | $1,385 |
| Fort Mitchell | $1,092 |
| Fort Thomas | $1,072 |
| Fort Wright | $1,121 |
| Foster | $1,299 |
| Fountain Run | $1,605 |
| Fourmile | $1,715 |
| Fox Chase | $1,529 |
| Frakes | $1,898 |
| Francisville | $1,094 |
| Frankfort | 1209 |
| Franklin | $1,526 |
| Fredonia | $1,480 |
| Freeburn | $1,930 |
| Frenchburg | $1,918 |
| Fulton | $1,769 |
| Gamaliel | $1,640 |
| Garfield | $1,703 |
| Garner | $1,982 |
| Garrard | $1,663 |
| Garrett | $1,914 |
| Garrison | $1,410 |
| Gays Creek | $2,147 |
| Georgetown | $1,107 |
| Germantown | $1,308 |
| Ghent | $1,462 |
| Gilbertsville | $1,738 |
| Girdler | $1,792 |
| Glasgow | $1,522 |
| Glencoe | $1,360 |
| Glendale | $1,472 |
| Glens Fork | $1,474 |
| Glenview | 1363 |
| Goose Creek | $1,446 |
| Goose Rock | $1,889 |
| Gordon | $1,916 |
| Goshen | $1,389 |
| Gracey | $1,624 |
| Gradyville | $1,660 |
| Graham | $1,569 |
| Grand Rivers | $1,607 |
| Gravel Switch | $1,509 |
| Gray | $1,846 |
| Gray Hawk | $1,546 |
| Graymoor-Devondale | $1,417 |
| Grays Knob | $2,036 |
| Grayson | $1,374 |
| Green Road | $1,855 |
| Greensburg | $1,568 |
| Greenup | $1,357 |
| Greenville | $1,487 |
| Grethel | $1,995 |
| Gulston | $1,790 |
| Gunlock | $2,087 |
| Guston | 1403 |
| Guthrie | $1,566 |
| Hagerhill | $1,900 |
| Hallie | $1,925 |
| Hampton | $1,562 |
| Hanson | $1,547 |
| Happy | $1,970 |
| Hardin | $1,673 |
| Hardinsburg | $1,544 |
| Hardy | $1,951 |
| Hardyville | $1,592 |
| Harlan | $1,897 |
| Harned | $1,558 |
| Harold | $1,936 |
| Harrods Creek | $1,389 |
| Harrodsburg | $1,287 |
| Hartford | $1,476 |
| Hawesville | $1,587 |
| Hazard | $1,946 |
| Hazel | $1,594 |
| Hazel Green | $1,942 |
| Hebron | $1,094 |
| Hebron Estates | 1519 |
| Heidrick | $1,824 |
| Hellier | $1,833 |
| Helton | $1,816 |
| Henderson | $1,408 |
| Hendron | $1,548 |
| Heritage Creek | $1,395 |
| Herndon | $1,477 |
| Hestand | $1,722 |
| Hi Hat | $1,918 |
| Hickman | $1,784 |
| Hickory | $1,629 |
| Highland Heights | $1,069 |
| Hillsboro | $1,417 |
| Hillview | $1,407 |
| Hima | $1,836 |
| Hindman | $1,945 |
| Hinkle | $1,798 |
| Hitchins | $1,507 |
| Hodgenville | $1,453 |
| Holland | $1,610 |
| Holmes Mill | $1,883 |
| Hope | 1392 |
| Hopkinsville | $1,513 |
| Horse Branch | $1,534 |
| Horse Cave | $1,631 |
| Hoskinston | $1,671 |
| Houston Acres | $1,415 |
| Huddy | $2,015 |
| Hudson | $1,522 |
| Hueysville | $1,949 |
| Hulen | $1,868 |
| Hurstbourne | $1,390 |
| Hurstbourne Acres | $1,385 |
| Hustonville | $1,462 |
| Hyden | $1,934 |
| Independence | $1,092 |
| Inez | $1,982 |
| Ingram | $1,822 |
| Irvine | $1,718 |
| Irvington | $1,545 |
| Island | $1,517 |
| Isom | $2,026 |
| Isonville | $1,557 |
| Ivel | 1915 |
| Jackhorn | $1,934 |
| Jackson | $1,962 |
| Jamestown | $1,436 |
| Jeff | $1,805 |
| Jeffersontown | $1,417 |
| Jeffersonville | $1,295 |
| Jenkins | $1,948 |
| Jeremiah | $1,928 |
| Jetson | $1,651 |
| Jonancy | $1,676 |
| Jonesville | $1,445 |
| Junction City | $1,383 |
| Keaton | $1,978 |
| Keavy | $1,930 |
| Kenton | $1,264 |
| Kenvir | $2,020 |
| Kettle Island | $1,938 |
| Kevil | $1,580 |
| Kimper | $1,934 |
| Kings Mountain | $1,506 |
| Kirksey | $1,596 |
| Kite | 1979 |
| Knifley | $1,455 |
| Knob Lick | $1,542 |
| Krypton | $2,089 |
| Kuttawa | $1,459 |
| La Center | $1,622 |
| La Fayette | $1,554 |
| La Grange | $1,319 |
| Lackey | $2,023 |
| Lakeside Park | $1,074 |
| Lancaster | $1,345 |
| Langdon Place | $1,432 |
| Langley | $1,976 |
| Latonia | $1,144 |
| Lawrenceburg | $1,242 |
| Lebanon | $1,467 |
| Lebanon Junction | $1,491 |
| Leburn | $1,956 |
| Ledbetter | $1,632 |
| Leitchfield | $1,620 |
| Lejunior | $1,534 |
| Letcher | $1,918 |
| Lewisburg | 1634 |
| Lewisport | $1,499 |
| Lexington | $1,126 |
| Liberty | $1,529 |
| Lick Creek | $2,067 |
| Lily | $2,008 |
| Linefork | $2,021 |
| Littcarr | $1,920 |
| Livermore | $1,485 |
| Livingston | $1,780 |
| Lockport | $1,447 |
| London | $2,003 |
| Lone | $1,823 |
| Lookout | $1,815 |
| Loretto | $1,516 |
| Lost Creek | $1,951 |
| Louisa | $1,947 |
| Louisville | $1,433 |
| Lovelaceville | $1,476 |
| Lovely | $1,976 |
| Lowes | $1,588 |
| Lowmansville | $2,026 |
| Loyall | 1531 |
| Lucas | $1,631 |
| Ludlow | $1,138 |
| Lynch | $1,884 |
| Lyndon | $1,409 |
| Lynnview | $1,432 |
| Lynnville | $1,589 |
| Maceo | $1,423 |
| Mackville | $1,366 |
| Madisonville | $1,471 |
| Magnolia | $1,561 |
| Majestic | $1,808 |
| Mallie | $2,053 |
| Malone | $1,683 |
| Mammoth Cave National Park | $1,787 |
| Manchester | $2,000 |
| Manitou | $1,609 |
| Maple Mount | $1,447 |
| Marion | $1,604 |
| Marrowbone | $1,562 |
| Marshes Siding | $1,560 |
| Martha | $2,109 |
| Martin | 1972 |
| Mary Alice | $1,908 |
| Mason | $1,353 |
| Masonic Home | $1,408 |
| Masonville | $1,445 |
| Massac | $1,554 |
| Mayfield | $1,668 |
| Mayking | $1,907 |
| Mayslick | $1,318 |
| Maysville | $1,292 |
| Mazie | $1,762 |
| McAndrews | $1,923 |
| McCarr | $1,950 |
| McDaniels | $1,660 |
| McDowell | $1,958 |
| McHenry | $1,664 |
| McKee | $1,885 |
| McKinney | $1,424 |
| McQuady | $1,605 |
| McRoberts | $1,921 |
| Meadow Vale | $1,425 |
| Meally | $1,999 |
| Means | 1752 |
| Melber | $1,691 |
| Melbourne | $1,107 |
| Melvin | $2,031 |
| Middleburg | $1,564 |
| Middlesborough | $1,811 |
| Middletown | $1,416 |
| Midway | $1,187 |
| Milburn | $1,658 |
| Milford | $1,350 |
| Millersburg | $1,180 |
| Millstone | $1,909 |
| Millwood | $1,710 |
| Milton | $1,365 |
| Minerva | $1,304 |
| Minnie | $1,622 |
| Miracle | $1,612 |
| Mistletoe | $2,069 |
| Mitchellsburg | $1,325 |
| Mize | $1,615 |
| Monticello | $1,560 |
| Moorefield | $1,542 |
| Moorland | 1411 |
| Morehead | $1,448 |
| Morganfield | $1,533 |
| Morgantown | $1,681 |
| Morning View | $1,161 |
| Mortons Gap | $1,504 |
| Mount Eden | $1,417 |
| Mount Hermon | $1,691 |
| Mount Olivet | $1,261 |
| Mount Sherman | $1,582 |
| Mount Sterling | $1,275 |
| Mount Vernon | $1,748 |
| Mount Washington | $1,435 |
| Mousie | $1,936 |
| Mouthcard | $1,949 |
| Mozelle | $2,007 |
| Muldraugh | $1,406 |
| Munfordville | $1,615 |
| Murray | $1,559 |
| Muses Mills | $1,333 |
| Myra | $1,745 |
| Nancy | $1,522 |
| Nazareth | 1316 |
| Nebo | $1,544 |
| Neon | $1,953 |
| Nerinx | $1,475 |
| New Castle | $1,408 |
| New Concord | $1,635 |
| New Haven | $1,393 |
| New Hope | $1,406 |
| New Liberty | $1,446 |
| Newport | $1,112 |
| Nicholasville | $1,250 |
| Norbourne Estates | $1,414 |
| North Corbin | $1,895 |
| North Middletown | $1,185 |
| Northfield | $1,387 |
| Nortonville | $1,555 |
| Oak Grove | $1,490 |
| Oakbrook | $1,083 |
| Oakland | $1,545 |
| Oil Springs | $1,996 |
| Olaton | $1,661 |
| Old Brownsboro Place | $1,422 |
| Olive Hill | $1,395 |
| Olmstead | $1,655 |
| Olympia | $1,453 |
| Oneida | $2,024 |
| Orchard Grass Hills | $1,317 |
| Orlando | $1,889 |
| Owensboro | $1,352 |
| Owenton | $1,322 |
| Owingsville | $1,447 |
| Paducah | $1,551 |
| Paint Lick | $1,315 |
| Paintsville | $1,919 |
| Paris | 1178 |
| Park City | $1,650 |
| Park Hills | $1,117 |
| Parkers Lake | $1,650 |
| Parksville | $1,367 |
| Parkway Village | $1,439 |
| Partridge | $1,915 |
| Pathfork | $1,897 |
| Payneville | $1,383 |
| Pembroke | $1,491 |
| Pendleton | $1,410 |
| Perry Park | $1,408 |
| Perryville | $1,373 |
| Petersburg | $1,103 |
| Pewee Valley | $1,341 |
| Phelps | $1,957 |
| Philpot | $1,455 |
| Phyllis | $1,933 |
| Pikeville | $1,966 |
| Pilgrim | $2,042 |
| Pine Knot | $1,592 |
| Pine Ridge | $2,084 |
| Pine Top | 1931 |
| Pineville | $1,824 |
| Pinsonfork | $1,945 |
| Pioneer Village | $1,520 |
| Pippa Passes | $1,956 |
| Pittsburg | $2,012 |
| Plano | $1,485 |
| Pleasureville | $1,410 |
| Plummers Landing | $1,427 |
| Poole | $1,688 |
| Port Royal | $1,486 |
| Powderly | $1,547 |
| Premium | $1,895 |
| Preston | $1,412 |
| Prestonsburg | $1,935 |
| Princeton | $1,439 |
| Printer | $1,905 |
| Prospect | $1,388 |
| Providence | $1,621 |
| Putney | $2,009 |
| Quincy | $1,434 |
| Raccoon | $2,008 |
| Raceland | 1380 |
| Radcliff | $1,397 |
| Ransom | $1,941 |
| Raven | $2,014 |
| Ravenna | $1,758 |
| Raywick | $1,500 |
| Redfox | $1,948 |
| Reed | $1,474 |
| Regina | $2,031 |
| Reidland | $1,545 |
| Renfro Valley | $1,881 |
| Revelo | $1,681 |
| Reynolds Station | $1,596 |
| Rhodelia | $1,425 |
| Ricetown | $2,067 |
| Richlawn | $1,447 |
| Richmond | $1,214 |
| Rineyville | $1,440 |
| River | $1,980 |
| Riverwood | $1,415 |
| Roark | $2,018 |
| Robards | $1,480 |
| Robinson Creek | 2012 |
| Rochester | $1,655 |
| Rockfield | $1,535 |
| Rockholds | $1,806 |
| Rockhouse | $1,876 |
| Rockport | $1,604 |
| Rocky Hill | $1,853 |
| Rogers | $1,928 |
| Rolling Fields | $1,417 |
| Rolling Hills | $1,426 |
| Rosine | $1,595 |
| Roundhill | $1,758 |
| Rousseau | $2,033 |
| Rowdy | $2,210 |
| Roxana | $1,866 |
| Royalton | $2,068 |
| Rumsey | $1,675 |
| Rush | $1,457 |
| Russell | $1,380 |
| Russell Springs | $1,490 |
| Russellville | $1,581 |
| Ryland Heights | $1,146 |
| Sacramento | 1511 |
| Sadieville | $1,152 |
| Salem | $1,621 |
| Salt Lick | $1,438 |
| Salvisa | $1,313 |
| Salyersville | $1,956 |
| Sanders | $1,432 |
| Sandgap | $1,970 |
| Sandy Hook | $1,423 |
| Sassafras | $1,966 |
| Saul | $1,978 |
| Scalf | $1,854 |
| Science Hill | $1,549 |
| Scottsville | $1,637 |
| Scuddy | $2,005 |
| Sebree | $1,702 |
| Seco | $1,712 |
| Sedalia | $1,721 |
| Seneca Gardens | $1,447 |
| Sextons Creek | $1,984 |
| Sharon Grove | $1,536 |
| Sharpsburg | $1,341 |
| Shelbiana | 1941 |
| Shelby Gap | $2,023 |
| Shelbyville | $1,273 |
| Shepherdsville | $1,521 |
| Shively | $1,386 |
| Sidney | $2,028 |
| Siler | $1,809 |
| Silver Grove | $1,091 |
| Simpsonville | $1,318 |
| Sitka | $1,881 |
| Sizerock | $1,600 |
| Slade | $1,666 |
| Slaughters | $1,555 |
| Slemp | $1,968 |
| Smilax | $1,920 |
| Smith Mills | $1,492 |
| Smithfield | $1,370 |
| Smithland | $1,613 |
| Smiths Grove | $1,648 |
| Soldier | $1,435 |
| Somerset | $1,539 |
| Sonora | $1,462 |
| South Carrollton | 1535 |
| South Portsmouth | $1,412 |
| South Shore | $1,419 |
| South Wallins | $1,947 |
| South Williamson | $1,910 |
| Southgate | $1,092 |
| Sparta | $1,331 |
| Spottsville | $1,503 |
| Springfield | $1,417 |
| St. Catharine | $1,397 |
| St. Charles | $1,565 |
| St. Francis | $1,508 |
| St. Helens | $1,848 |
| St. Mary | $1,467 |
| St. Matthews | $1,415 |
| Staffordsville | $1,908 |
| Stambaugh | $1,958 |
| Stamping Ground | $1,165 |
| Stanford | $1,431 |
| Stanton | $1,660 |
| Stanville | $1,770 |
| Stearns | $1,614 |
| Steele | 1979 |
| Stephensport | $1,740 |
| Stinnett | $2,037 |
| Stone | $1,943 |
| Stoney Fork | $1,792 |
| Stopover | $1,958 |
| Strathmoor Village | $1,446 |
| Strunk | $1,594 |
| Sturgis | $1,522 |
| Sullivan | $1,556 |
| Sulphur | $1,514 |
| Summer Shade | $1,629 |
| Summersville | $1,645 |
| Sweeden | $1,870 |
| Symsonia | $1,626 |
| Tateville | $1,596 |
| Taylor Mill | $1,146 |
| Taylorsville | $1,414 |
| Teaberry | $1,987 |
| Ten Broeck | $1,422 |
| Thelma | $1,906 |
| Thornton | $2,024 |
| Thousandsticks | 1927 |
| Tiline | $1,769 |
| Tollesboro | $1,401 |
| Tomahawk | $1,951 |
| Tompkinsville | $1,593 |
| Topmost | $1,933 |
| Totz | $2,002 |
| Tram | $1,586 |
| Trenton | $1,485 |
| Trosper | $1,843 |
| Turners Station | $1,358 |
| Tutor Key | $1,885 |
| Tyner | $1,919 |
| Ulysses | $1,570 |
| Union | $1,112 |
| Union Star | $1,780 |
| Uniontown | $1,520 |
| Upton | $1,498 |
| Utica | $1,439 |
| Van Lear | $1,905 |
| Vanceburg | $1,376 |
| Vancleve | $1,953 |
| Varney | 1967 |
| Verona | $1,206 |
| Versailles | $1,161 |
| Vest | $2,033 |
| Vicco | $1,975 |
| Villa Hills | $1,078 |
| Vincent | $2,149 |
| Vine Grove | $1,401 |
| Viper | $1,941 |
| Virgie | $2,004 |
| Waco | $1,287 |
| Waddy | $1,274 |
| Walker | $1,769 |
| Wallingford | $1,401 |
| Wallins Creek | $1,947 |
| Walton | $1,126 |
| Waneta | $1,621 |
| Warbranch | $1,789 |
| Warfield | $1,979 |
| Warsaw | $1,335 |
| Washington | $1,338 |
| Water Valley | $1,718 |
| Watterson Park | 1416 |
| Waverly | $1,530 |
| Wayland | $1,914 |
| Waynesburg | $1,495 |
| Webbville | $1,792 |
| Webster | $1,599 |
| Weeksbury | $1,779 |
| Wellington | $1,918 |
| Wendover | $1,966 |
| West Buechel | $1,465 |
| West Liberty | $1,662 |
| West Louisville | $1,443 |
| West Paducah | $1,619 |
| West Point | $1,391 |
| West Somerset | $1,575 |
| West Van Lear | $1,629 |
| Westport | $1,343 |
| Westview | $1,635 |
| Westwood | $1,385 |
| Wheatcroft | $1,643 |
| Wheelwright | $1,758 |
| Whick | $2,077 |
| White Mills | 1465 |
| White Plains | $1,512 |
| Whitesburg | $1,907 |
| Whitesville | $1,463 |
| Whitley City | $1,584 |
| Wickliffe | $1,643 |
| Wilder | $1,081 |
| Wildie | $1,758 |
| Williamsburg | $1,838 |
| Williamsport | $2,013 |
| Williamstown | $1,335 |
| Willisburg | $1,376 |
| Wilmore | $1,234 |
| Winchester | $1,283 |
| Windsor | $1,537 |
| Windy Hills | $1,414 |
| Wingo | $1,654 |
| Wittensville | $1,977 |
| Woodbine | $1,848 |
| Woodburn | $1,557 |
| Woodbury | $1,668 |
| Woodland Hills | $1,420 |
| Wooton | 1910 |
| Worthington | $1,370 |
| Worthville | $1,375 |
| Wurtland | $1,352 |
| Yeaddiss | $1,916 |
| Yerkes | $1,772 |
| Yosemite | $1,572 |
| Zoe | $2,083 |
Home and auto insurance bundling in Kentucky
What is the best way by which you can reduce the rate of homeowners insurance in Kentucky? It is by bundling your home and auto insurance policies.
| Average annual rate (without bundling) | Average annual rate (with bundling) | Yearly savings (in $) | Yearly savings (in percent) |
|---|---|---|---|
| $2,049 | $1,862 | $187 | 9.13% |
Home insurance discounts in Kentucky
Using the discounts provided by your insurer is another way by which you can buy the best homeowners insurance in Kentucky. But before purchasing, ensure to check which discounts you qualify for.
| Insurer | Bundling Discounts | Loyalty Discounts | Military Discounts | New Home Credit Discounts | Claim-Free Discounts | Protective Devices Discounts |
|---|---|---|---|---|---|---|
| Farmers | ✓ | ✓ | - | ✓ | ✓ | ✓ |
| All state | ✓ | ✓ | - | ✓ | ✓ | - |
| State Farm | ✓ | - | - | - | ✓ | ✓ |
| USAA | ✓ | ✓ | ✓ | - | ✓ | ✓ |
| Nationwide | ✓ | - | - | ✓ | ✓ | ✓ |
| Liberty Mutual | ✓ | - | - | - | - | - |
| Progressive | ✓ | - | - | ✓ | - | ✓ |
| Amica | ✓ | - | - | ✓ | ✓ | ✓ |
| Chubb | ✓ | - | - | ✓ | ✓ | ✓ |
| Erie | ✓ | - | - | - | - | - |
Comparing common features across top companies
Are you on the hunt to buy the best homeowners insurance in Kentucky? Then check whether your insurer offers these features.
| Insurer | Identity Theft Protection | Valuable Possessions | Water Backup | Other Structures Coverage | Dwelling /Personal Property Replacement |
|---|---|---|---|---|---|
| Farmers | Optional | ✓ | No | Optional | Optional |
| Allstate | Optional | Optional | Optional | ✓ | Optional |
| State Farm | Optional | Optional | Optional | ✓ | Optional |
| USAA | ✓ | Optional | No | ✓ | ✓ |
| Nationwide | Optional | Optional | Optional | ✓ | Optional |
| Liberty Mutual | Optional | Optional | Optional | ✓ | Optional |
| Progressive | No | Optional | Optional | ✓ | ✓ |
| Amica | Optional | Optional | Optional | ✓ | Optional |
| Chubb | Optional | Optional | ✓ | ✓ | ✓ |
| Erie | Optional | Optional | Optional | ✓ | ✓ |
Common causes of home insurance claims in Kentucky
These are a few reasons that lead to home insurance claims in the state.
Kentucky is vulnerable to extreme weather throughout the year, including heavy snow, ice, freezing temperatures, flooding, tornadoes, and hurricanes. These types of weather events can cause significant damage to both your home’s interior and exterior. These are a few reasons that lead to home insurance claims in the state.
- Extreme winter weather: During the winter months, Kentucky experiences heavy snow, freezing temperatures, and ice storms. These conditions can cause pipe damage, causing them to freeze and burst.
- Floods: Kentucky is one of the top 15 states in terms of rainfall, averaging more than 46 inches per year. Flooding can occur as a result of heavy rain and melting snow.
- Hurricanes and tornadoes: Strong winds from hurricanes, tornadoes, and summer thunderstorms can damage windows and roofs and pull siding off your house, causing catastrophic damage inside.
Does homeowners insurance cover flooding in Kentucky?
Indeed, a home insurance policy doesn’t cover flood damage. To protect your home from flood damage, you must purchase flood insurance through FEMA’s National Flood Insurance Program (NFIP) or a private insurer. The coverage offered by private flood insurers may vary; however, NFIP flood insurance provides the following coverage.
- Your home’s structure - $250,000
- Personal property - $100,000
Factors that affect home insurance rates in Kentucky
Do you want to buy the ideal homeowners insurance in Kentucky? Then check for these factors before buying one.
- Your location: The cost of homeowners insurance in Kentucky is influenced by factors such as your ZIP code and the area’s theft rate.
- Replacement cost: The cost of homeowners insurance in Kentucky varies depending on local labor and the rate of building materials.
- Age/condition: You must pay higher premiums to insure older properties.
- Claims history: If you file claims frequently, insurers will consider you a risk. Expect your insurance premiums to rise as a result.
- Credit history: Before providing you with home insurance, most insurers will check your credit score. If your credit score is low, you should expect to pay more for your Kentucky home insurance policy.
- Dog breed: Many insurers classify certain dog breeds as ‘dangerous.’ If your insurer regards your dog as ‘dangerous,’ the cost of homeowners insurance in KY will increase.
Tips for buying homeowners insurance
Are you looking to find the best home insurance companies in Maryland? Then follow these tips!
- Assess your rebuilding costs: Talk with an insurance agent or a builder to determine how much it would cost to rebuild your house using affordable building materials and local labor.
- Review the advantage of replacement cost over actual cash value: You may require replacement cost insurance for your home and other belongings.
- Consider add-on coverage for your expensive items: You may require personal property coverage if you own expensive items such as high-end electronics, sporting equipment, musical instruments, or antiques.
- Evaluate your liability coverage needs: Determine the required minimum liability insurance limit you need.
- Assess coverage gaps: Many insurers offer increased coverage limits for landscaping elements such as trees and bushes.
- Check financial ratings: All home insurers can obtain ratings from organizations such as AM Best and Standard & Poor’s. Some companies, for example, will not allow you to apply for a mortgage if your insurer does not have a minimum ‘A’ financial strength rating.
- Check for discounts: Ensure to use all the discounts the insurer offers that you qualify for.
- Compare quotes from various insurance companies: The cost of Kentucky homeowners insurance varies depending on the insurer. You must compare quotes from several insurers to find the best home insurance policy in the state.
Most common disasters in Kentucky
Kentucky residents do not face a wide range of disasters compared to many other states. The most common disasters declared in Kentucky are severe storms and flooding
Disasters by month
According to FEMA, March and May have been the busiest for declared disasters in Kentucky.
| Month | Number of disasters |
|---|---|
| January | 5 |
| February | 6 |
| March | 15 |
| April | 9 |
| May | 14 |
| June | 6 |
| July | 5 |
| August | 5 |
| September | 3 |
| October | 2 |
| November | 8 |
| December | 2 |
Disasters by year
According to FEMA, the state faces an average of two declared disasters every year. 2015 saw four declared disasters with severe storms, tornadoes, flooding, and a major winter snowstorm wreaking havoc on the state.
| Year | Number of disasters |
|---|---|
| 2001 | 4 |
| 2002 | 2 |
| 2003 | 3 |
| 2004 | 2 |
| 2005 | 3 |
| 2006 | 0 |
| 2007 | 1 |
| 2008 | 3 |
| 2009 | 4 |
| 2010 | 2 |
| 2011 | 2 |
| 2012 | 1 |
| 2013 | 0 |
| 2014 | 1 |
| 2015 | 4 |
| 2016 | 3 |
| 2017 | 0 |
| 2018 | 2 |
| 2019 | 1 |
| 2020 | 3 |
How to get Kentucky home insurance with Way.com
On average, homeowners insurance in Kentucky costs $2,049 annually. It is higher than the national average rate. So as a resident, you may want an even cheaper home insurance policy. But how can you get one? That’s where Way.com can help you!
You must use our website or app to find Kentucky home insurance quotes from all insurance companies. Then you must compare them and buy a policy with the most affordable quote. Do you need extra help? Then our home insurance agents in the state will help you. They will help you understand the Kentucky home insurance laws, the most complex insurance terms, coverages, and discounts.
FAQs
What is the average cost of homeowners insurance in Kentucky?
On average, Kentucky home insurance costs $2,049 yearly.
How much is house insurance per month in Kentucky?
Homeowners insurance in KY costs around $170.75 monthly.
Does Kentucky require homeowners insurance?
No, the law doesn’t mandate one. But your mortgage company will almost certainly require it for you to get a loan.
Do you need earthquake insurance in Kentucky?
Since the state experiences it yearly, it will be good if you buy earthquake insurance additionally. Be mindful that getting an earthquake insurance policy can be very costly.
Access your digital insurance card through the app. You no longer need to carry your physical insurance card with you.
Receive reminders before your renewal. Way.com will also send new quotes from up to 45 insurance companies with your renewal reminder.
Keep everyone on your policy up to date by sharing your insurance information.
Make changes to your policy right from the app (coming soon) and ask for expert advice.
Get the App:
Find the best home insurance rates on-the-go
For the best user experience, please download our Way app.
or
