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Kentucky Home Insurance - What's Happening

Like the horses in the Kentucky Derby, homeowners around the Bluegrass State are racing to lower their home insurance premiums. Average premiums for Kentucky homeowners insurance were around $847 in the second quarter of 2014, just a little higher than the national average of $829. Above average premiums mean one thing for Kentuckians– there’s a lot of room to save.

Even though premiums are a tad higher in the state, homeowners don’t face many natural threats. Severe thunderstorms and flooding are the main hazards. When shopping for a policy, it’s important to remember flooding is not covered by standard home insurance. Not sure what coverage you have and don’t have? Work with a licensed agent and make sure you’ve got a comprehensive policy to protect you no matter what comes your way.

Even if you're paying less than the state average, you may be able to do better. How? Simply call the number on your screen or enter your ZIP code in the form above to get a free quote. If you qualify, our agents can get you discounts on your premium.

Curious about car insurance? Click here to learn more about auto insurance in Kentucky.

Kentucky Home Insurance Report Card

We get that buying home insurance is complicated. We've demystified it by assigning each state grades based on information collected from customers about their houses. It's a coloring-outside-the-lines approach that shows how factors about a home can affect what you pay for coverage.


Home Grade

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Property Grade

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Bonus Grade

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Overall Grade

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Home (Grades related to the house itself)

Homes are smaller, on average, in Kentucky. Smaller homes are often less expensive to insure, which bodes well for the state. Homes in KY are also newer and replacement costs are lower. Kentucky homeowners lost points for not having sump pumps, which help prevent water damage in the home.


Average year built

Built in 1987, the average Kentucky home is 7 years newer than the average U.S. home.


Average home size

The average size of a KY home is 1,290 square feet, which is smaller than the national average of 1,971 sq. ft.


Average replacement cost

At $241,880, the average replacement cost for a Kentucky home is less than the U.S. average of $278,576.


% of homes with sump pump

There are very few homes in Kentucky with basements, so it's no shock the state placed poorly for homes with sump pumps.

Property (Factors related to the property and location)

Kentuckians don’t mess around when it comes to property liability. Few KY homeowners have swimming pools or ATVs. Both of these items increase risk liability on your property and can often be culprits behind high home insurance premiums. Increased safety and decreased risk equaled major points for Kentucky.

The state’s average insured cost of other structures (such as garages, fences, etc.) wasn’t as impressive. The KY average is at $23,650 – still below the national average of $26,165.

Bonus (Other factors that influence your home insurance premiums)


% of homes with fire extinguishers

100% of KY homes reported having fire extinguishers, 9% more than the U.S. average.


% of homes with dead bolt locks on exterior doors

100% of homes in the state have dead bolt locks, making safety a high priority in KY.


% of homes with smoke detectors

Smoke detectors are another area where Kentucky shines. 100% of KY homes have them.


% of homes with security alarms

Only 18% of homes report having security alarms, compared with the national average of 19.7%. Not bad but there’s room for improvement.

Overall Grade - A+ (top of the class)

There weren’t many states to receive a perfect grade; Kentucky is one of the few. All around, it seems that the living is easy in KY. The Bluegrass State fared well in average home size, average year built and average replacement cost. KY homeowners also cut out liability risks like swimming pools and ATVs. High scores in home safety helped Kentucky secure a top grade.

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