Kentucky Home Insurance Quotes
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Call Us Now: The days of shopping for Kentucky home insurance and dealing with multiple agents are over. Compare multiple quotes from leading providers all with one phone call! Our licensed home insurance experts will help you find the best premium and the most comprehensive coverage available in Kentucky. Our top carriers are rated A+ with A.M. Best so you can rest assured knowing your home is protected by a leading company.
Our team of licensed agents will shop for your Kentucky home insurance policy and help you get the best rate on the most comprehensive coverage. And we can help you get apples-to-apples comparisons for multiple KY insurance providers.
Get the Best Home Insurance Rates in KY
Homeowners insurance premiums in Kentucky were around $1129.00 in April of 2013 when they decreased from $1181 in March. These rates reflect average premiums on new sold policies by HomeInsurance.com. A standard policy will cover the structure of the buildings on the property, the contents of the home, liability for the homeowner(s), medical payments and loss of use expenses.
Average Premiums for Home Insurance In Kentucky |
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| Apr 2013 | Mar 2013 | Feb 2013 | Jan 2013 | Dec 2012 |
| $1129.00 | $1181.00 | $1198.00 | $1190.00 | $1188.00 |
There are a lot of discounts for Kentucky homeowners that can help you save on your home insurance premium. Customers often report the biggest savings from home-auto discounts which save them, on average, 15-25% on their Kentucky Home insurance policies. You can also save money if you've got a security system installed or if you've filed no claims on previous insurance. The Insurance Information Institute recommends reviewing your policy regularly to make sure your home is always adequately covered. It's also a good idea to ask a licensed agent to review your policy to make sure you aren't missing anything. One of our experts can not only find you coverage at a low price, but discounts you may not get otherwise.
Enter your ZIP code in one of the forms above or call 1-877-295-3422 now to get Kentucky home insurance quotes tailored to your needs. Our agents will work with multiple carriers to get you the best rates for your KY policy. They also will make sure you get every available discount. Potential discounts include the following:
- Home-auto bundle. Save up to 20% by buying both coverages from the same provider.
- Nonsmokers. Save up to 20% if no one in your households smokes.
- New home. If your home was built within the past 10 years, you could save up to 20%.
- 55 or older, retired. Save up to 20% - certain conditions apply.
- Claims-free. Save up to 20% if you haven't filed any home insurance claims within the past 10 years.
- Alarm systems. Save up to 10% if you have one. You'll need a certificate from your provider.
- Fire/smoke detectors and deadbolt locks also could mean savings.
Discounts vary widely by provider. All discounts aren't available in every state.
See what your neighbors in Kentucky are paying
Curious about how much you could save on your home insurance premiums? Here are details of the last five policies written in Kentucky by HomeInsurance.com agents.
Premiums vary according to square footage, location, features of the home and other factors.
| Home 1 | Home 2 | Home 3 | Home 4 | Home 5 | |
|---|---|---|---|---|---|
| Premium Amount | $624 | $1,798 | $2,243 | $1,124 | $835 |
| Premium with Auto Discount | $530† | $1,529† | $1,907† | $1,124 | $1,064 |
| Carrier | MetLife | Foremost | Foremost | Foremost | Liberty Mutual |
| Zip | 41011 | 41074 | 40701 | 41183 | 41005 |
| Year Built | 1964 | 1979 | |||
| Foundation type | Basement | Slab | |||
| Lot Size | N/A | N/A | N/A | N/A | N/A |
| Square Feet | N/A | N/A | N/A | N/A | N/A |
| Bedrooms | N/A | N/A | N/A | N/A | N/A |
| Bathrooms | N/A | N/A | N/A | N/A | N/A |
| Discounts | | | | | |
| Primary Heat Source | Central Gas | Central Electric |
Standard Kentucky Home Insurance Coverages
| A | Dwelling: A standard Kentucky homeowners insurance policy should include enough dwelling coverage to pay for the replacement or repair of your home when and if it is damaged in a covered peril |
| B | Other Structures: Other structures such as detached garages or sheds would also be covered under a standard Kentucky home insurance policy |
| C | Contents/Personal Property: A Kentucky home insurance policy will also typically provide coverage for the contents of your home including furniture, electronics, clothing and other personal belongings. |
| D | Loss of Use: If your Kentucky home is damaged in a covered peril, ‘Loss of Use’ coverage pays for alternative accommodations and living expenses while you are unable to live in your home. |
| E | Personal Liability Protection: In Kentucky, your standard homeowners insurance policy will typically provide financial protection in the event of a lawsuit where you have caused damage or bodily harm to another person or their personal property. |
| F | Medical Payments: Medical Payments coverage, or Kentucky MedPay, offers reimbursement for medical bills if someone other than you or a family member is injured on your property and a lawsuit is not involved. |
Kentucky Homeowners Insurance News
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Kentucky lawmakers pass contractor fraud billTuesday, April 10, 2012
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Insurance damages from tornado outbreak may reach $2BWednesday, March 07, 2012
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Tornado outbreak widens, claims 39 livesMonday, March 05, 2012
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Unprecedented spring storms in Ohio lead to heavy losses Tuesday, June 28, 2011
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Midwestern tornadoes now becoming widespread Thursday, May 26, 2011
Other Kentucky Homeowners Resources:
- Disaster Preparedness Guide- Make sure your home and family is protected.
- See the most popular Frequently Asked Questions by other Kentucky homeowners.
- Visit the Homeowners Blog to read the latest news affecting Kentucky homeowners today!
Search for home insurance in your Kentucky county:
- Adair
- Allen
- Anderson
- Ballard
- Barren
- Bath
- Bell
- Boone
- Bourbon
- Boyd
- Boyle
- Bracken
- Breathitt
- Breckinridge
- Bullitt
- Butler
- Caldwell
- Calloway
- Campbell
- Carlisle
- Carroll
- Carter
- Casey
- Christian
- Clark
- Clay
- Clinton
- Crittenden
- Cumberland
- Daviess
- Edmonson
- Elliott
- Estill
- Fayette
- Fleming
- Floyd
- Franklin
- Fulton
- Gallatin
- Garrard
- Grant
- Graves
- Grayson
- Green
- Greenup
- Hancock
- Hardin
- Harlan
- Harrison
- Hart
- Henderson
- Henry
- Hickman
- Hopkins
- Jackson
- Jefferson
- Jessamine
- Johnson
- Kenton
- Knott
- Knox
- Larue
- Laurel
- Lawrence
- Lee
- Leslie
- Letcher
- Lewis
- Lincoln
- Livingston
- Logan
- Lyon
- Madison
- Magoffin
- Marion
- Marshall
- Martin
- Mason
- McCracken
- McCreary
- McLean
- Meade
- Menifee
- Mercer
- Metcalfe
- Monroe
- Montgomery
- Morgan
- Muhlenberg
- Nelson
- Nicholas
- Ohio
- Oldham
- Owen
- Owsley
- Pendleton
- Perry
- Pike
- Powell
- Pulaski
- Robertson
- Rockcastle
- Rowan
- Russell
- Scott
- Shelby
- Simpson
- Spencer
- Taylor
- Todd
- Trigg
- Trimble
- Union
- Warren
- Washington
- Wayne
- Webster
- Whitley
- Wolfe
- Woodford
Customer Reviews in Kentucky
For additional information about specific insurance laws in Kentucky, visit the Kentucky Department of Insurance website.
