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Call Us Now: The days of shopping for Kentucky homeowners insurance with multiple agents are over. Compare multiple quotes with our licensed homeowners insurance experts and 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.
Homeowners insurance premiums in Kentucky were around $874.00 in September of 2011 when they increased from $853 in August. 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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| Sep 2011 | Aug 2011 | Jul 2011 | Jun 2011 | May 2011 |
| $874.00 | $853.00 | $834.00 | $823.00 | $819.00 |
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 homeowners insurance policy. Other discounts include security alarm and claims free discounts. The Insurance Information Institute also 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.
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
- Unprecedented spring storms in Ohio lead to heavy losses Tuesday, June 28, 2011
- Midwestern tornadoes now becoming widespread Thursday, May 26, 2011
- New ratings for Richmond fire departments could lower insurance rates Tuesday, March 01, 2011
- Rare earthquake rattles Central IndianaThursday, December 30, 2010
- FEMA agents visit central Kentucky homes ravaged by floodingWednesday, August 04, 2010
Other Kentucky Homeowners Resources:
- Disaster Preparedness Guide- Make sure your home and family is protected.
- See the most popular Frequently Asked Questions by other homeowners.
- Visit the Homeowners Blog to read the latest news affecting 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.
