Best homeowners insurance in Kentucky

Kentucky is home to over 67% of Kentucky’s population. Homeowners insurance costs $1,839 annually for $250,000 of dwelling coverage. This is significantly more than the national average. There are many companies that offer lower premiums if you’re looking for the best homeowners policy in Kentucky.

The Bankrate insurance editorial team reviewed the top Kentucky home insurance companies based on market share. We evaluated average premiums, customer satisfaction scores, and coverages. This research could help you find the right company for your needs.

Kentucky’s best home insurance companies

You may need to determine what features you are looking for in a company before you start your search for Kentucky’s best homeowners insurance. Do you want the lowest price, specific coverages, an agent in person, or mobile apps? You can get quotes once you have identified what is important to you.

The following five companies could be a good starting point if you’re looking for Kentucky home insurance.


Allstate’s homeowners insurance is a good choice if you’re looking for customized coverage. There are many options available, such as water backup, scheduled property, and electronic data recovery. A few discounts may be available to reduce your premium.


Although Auto-Owners is not the most popular name on this list, the company only offers coverage in 26 states. The average premium is well below Kentucky’s, and there are many options for adding-on coverage such as equipment breakdown and guaranteed home replacement cost coverage. J.D. gave Auto-Owners the highest score. The list includes the most powerful companies, which indicates that policyholders are generally satisfied with their service.

Kentucky Farm Bureau

Farm Bureau membership opens up the possibility of purchasing insurance products from the company, as well as financial planning and investment services. Farm Bureau provides all the standard home insurance coverages as well as optional coverages, Residential Machinery Breakdown to help you create the policy that you want. Every year, your Farm Bureau agent will perform a SuperCheck to ensure that your policy meets your needs and find any gaps in coverage.

State Farm

State Farm is a great choice if you prefer to work with a local agent. State Farm has several agencies in Kentucky. These agents are more familiar with Kentucky residents’ needs because they are local. State Farm’s Ting partnership focuses on damage prevention and provides policyholders with a free electric system monitoring device. This device monitors your wiring and can alert you to potential problems before they cause a fire.


It is not eligible to be ranked with J.D. USAA is not eligible for J.D.’s official ranking because it sells only coverage to military personnel and their immediate families. However, USAA consistently scores high in customer satisfaction. USAA is a great choice if you’re looking for excellent service and you’re eligible for coverage. Our lowest-priced company is USAA. USAA is also a partner with ADT which could save you money on alarm systems and your insurance premium.

What is the cost of homeowners insurance in Kentucky

The average cost for homeowners insurance in Kentucky is $1839 per annum for $250,000 of dwelling coverage. The national average is $13,312 per annum. Kentucky homeowners pay on average $500 more per year for home insurance. This is likely because of the higher potential damage that homes could sustain from natural disasters.

Kentucky’s average homeowners insurance premium is higher than in neighboring states. On average, homeowners in Indiana pay $1,150 annually while Tennessee homeowners pay $1,625 annually. Kentucky’s premiums could be higher because of the state’s vulnerability to weather-related damage, such as tornadoes or water damage from heavy rains.

Kentucky home insurance

When searching for home insurance, homeowners should take into account Kentucky’s weather conditions. Bluegrass State’s weather can cause serious damage. Here are some common Kentucky claims and home insurance coverages you might want to consider.

Common Loss Causes in Kentucky

Kentucky is prone to extreme weather all year. This includes heavy snow, ice and freezing temperatures, flooding, tornadoes, hurricanes, and tornadoes. These weather events can cause severe damage to homes’ interiors and exteriors.

In September 2008, Kentucky was among the many states that were affected by Hurricane Ike. In September 2017, Hurricane Harvey ravaged the southeast, reaching Kentucky. It caused over 76,000 losses and more than $8.9 million in damage. Even though Kentucky isn’t a coastal state the damage that hurricanes and other major storms can do to it can lead to flooding.

  • Kentucky’s winter weather is severe. Kentucky is not immune to heavy snowfall, freezing temperatures, and ice storms during winter. These conditions can cause pipes to burst or freeze, and could lead to serious damage.
  • Flooding: Heavy rains and melting snow can lead to flooding that can cause water damage.
  • Tornadoes or hurricanes: Tornadoes and Hurricanes: Strong winds caused by hurricanes, tornadoes, and summer storms can smash windows and damage roofs. This can also cause damage to your home.

Knowing the most common types of claims in your region may help you select coverages that best suit your needs.

Kentucky home insurance options

Your policy’s Hazard insurance will cover you if your home is destroyed or damaged by a covered peril. Additional protection is available through standard coverages like personal property, liability, and medical payments. With the many causes of damage from weather-related catastrophes in Kentucky, homeowners might want to purchase additional coverage. These include:

  • Flood insurance: Flood damage coverage is not available under standard homeowners insurance policies. You might consider purchasing flood insurance separately. Flood insurance is available through both the National Flood Insurance Program as well as private insurers. Flood insurance can be added to homeowners insurance policies by some carriers.
  • Wind damage coverage: While homeowners insurance generally covers wind damage automatically, it is possible that your policy has a wind deductible. Talk to your insurance company to find out how your policy will respond to wind damage to your home before it is damaged.
  • Water backup coverage: This endorsement can help cover the cost of repairs to your home if water backs up in a drain or sewer line. Water backups are most common in basements and crawl spaces, but they can also occur from any blocked drain or sewer line.
  • Insurance coverage for identity theft: While not weather-related, identity theft is increasing in frequency. This endorsement can help you cover the cost of restoring your stolen identity.

Questions frequently asked

What is the best way to get homeowners insurance in Kentucky

Kentucky does not require homeowners insurance. If you have a mortgage, however, your lender may require that you have homeowners insurance. Regardless of your financial situation, homeowners insurance is a crucial step in financial planning. You are responsible for the cost of rebuilding or repairing your home after a loss. These out-of pocket expenses can quickly grow and could cause financial ruin. This is why homeowners insurance is so important.

What is the best homeowner insurance in Kentucky?

There is no one insurance company that is right for you in Kentucky. Every company has different policies, discounts, and rates. Each homeowner’s needs are unique. It is important to shop around for the best policy for you.

Is my homeowners insurance able to cover earthquakes?

Although earthquake damage is not usually covered by standard home insurance policies, endorsements can be added to cover it. While you might not associate Kentucky with earthquakes the New Madrid fault does run through the west. You may feel more secure by adding earthquake coverage on your policy.