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Do you need a Kentucky homeowners insurance quote? 

You’re in the right place!

Here at Insurance Geek, our ambition is to provide you with premier home insurance rates.  We achieve this by delivering the cheapest homeowners insurance quote on the market while maintaining high-quality service and top-tier protection.

Below, we’ll discuss home insurance and homeowners insurance companies in Kentucky, so if you’re intrigued to learn all about this topic, stay with us until the end!

Kentucky Home Insurance: The Basics

Fried chicken is not all Kentucky is known for. Nestled in the Southeast region of the US, the Bluegrass state has some of the richest cultural traditions in the country.

Although listed among the lower half of the 50 states in population, Kentucky is a state that looms large in the American imagination – Kentucky Derbi, KFC, bourbon, the Louisville Slugger, Muhammad Ali – need we say more?

Home to 4.4 million residents, Kentucky obviously isn’t the most populous state. That being said, for a medium-size state (population-wise), the total crime rate is pretty high – 21.15 per thousand residents.

What’s more, the chance of being a victim of a crime in Kentucky is 1 in 461. Granted, the crime rate is not as high as in some other states like New Mexico, Louisiana, or Alabama, but it’s not to be disregarded.

That’s not all Kentuckians struggle with.

This southeast-bound state made the number 8 on the list of the top 10 US states prone to natural disasters. Flooding, landslides, mudslides, and rockslides are common occurrences in the Bluegrass state. Kentucky residents are not so safe from tornados and hurricanes either (you surely remember the 2008 Hurricane Ike and its remnants).

All this is accounted for in home insurance policies and quotes. These factors may drive home insurance companies to increase premiums, and as a result, the annual homeowners’ insurance rate is higher than in some other states.

While crime statistics and susceptibility to natural disasters affect the insurance rate, they’re not the sole actors that determine the end quote. Read on to learn more about other elements that have an effect on homeowners insurance rates.


One of the terms you have to get familiar with when researching homeowners insurance is peril.

A peril is defined as any event that can damage or cause a loss to your home and other personal properties. If any loss or damage is caused by a peril included in your coverage, you can file a claim and receive the money necessary to rebuild or repair your property.

For instance, if your home is in Kentucky, the perils may involve heavy rain, hailstorms, heavy wind, tornados, and so on. As mentioned earlier, Kentucky is prone to natural disasters, so it’s vital to insure your home against such detrimental events.

Get full insight into what perils are and a detailed list of what’s included in the perils insurance policy here.


Besides perils, you should know about deductibles too.

A deductible is the part of your home insurance policy coverage that the homeowners’ insurance company does NOT cover.

It’s essential to understand what deductibles are and discuss them upfront because a lower deductible means you’ll pay higher prices and vice versa.

Your insurance company will require you to cover the deductible before you receive the payout for your claim, so make sure to get on the common ground regarding the exact amount before signing a contract. The amount for a deductible our customers usually get is between $1,000 and $5,000.

How We Determine Premiums In Kentucky

Annual premium may vary by state and state laws. It’s time to discuss how much average home insurance in Kentucky costs. We’ve listed all the information below, but you can also use the home insurance calculator for Kentucky to calculate your rate.

When coming up with premium costs, insurance companies consider a number of factors, including the ones below.

Credit score

It shouldn’t come as a surprise that your credit score plays a role in determining the price of the insurance rate you’ll be able to get. That being said, your credit score is not the topmost factor, but it is important nevertheless.

The reason why your insurance provider takes this into account is simple – they’re interested to know how punctual you’ve been with paying your bills, mortgage, loans; in short, they need insight into your overall financial history.

If your credit score is low, you probably won’t get the rate you’ve hoped for. However, if you’ve been paying out your loans and bill responsibly, you shouldn’t worry too much about it.

Value of your home

The condition of your home largely influences the home insurance rates. This is because insurance providers need to know the replacement cost of your home.

Replacement cost is the value of your home as-is and not its market value. The home insurance provider will check how old your house is, the materials used for construction, etc., so you can get the right amount of coverage for any potential repairs or rebuilds.

Previous claims

Insurance companies will want to look into your previous claims. In case you have ever filed a claim before, it tells them that your house is at greater risk, which could affect the insurance rate you’ll get.

If you have filed a claim (especially more than one), prepare yourself for a significantly high insurance rate.


We’ve explained earlier what deductibles are (the portion of the coverage you pay).

When your deductible is higher, home insurance rates are lower.

Available discounts

The good news is that you can claim discounts. For example, if you get multiple insurance policies with the same company, let’s say life insurance, car insurance, plus home insurance, you’re usually eligible for a discount.

If and when you decide which types of insurance you’d like to get, we’ll make sure to get you the available discounts.

What Is The Best Option For Home Insurance In Kentucky?

Generally, Kentucky residents can choose between two policy options:

  • Named policy
  • All peril policy

Below, we’ll cover the basic information about both types of home insurance coverage in Kentucky, but if you want to explore it down to the nitty-gritty, you can always check the declaration page of your policy.

Both types are pretty self-explanatory, as their names suggest what each entails. So the named policy requires every peril to be named (stated). If any peril isn’t explicitly named, you’re not protected against it and therefore cannot file a claim to receive money for repairs.

An all peril policy covers, well, all perils, except those that are explicitly omitted. This type of homeowners insurance policy is preferable in Kentucky as the state is prone to unforeseeable and disastrous events.

Generally, we advise our clients to go with an all peril insurance policy. In rare cases, you would be better off with a named policy.

For instance, if you wish to add it to your existing homeowners’ insurance Kentucky policy. If this is the case, you can compare your policy here and contact our customer service to talk to our agents that can help you determine whether you’re doing the right thing.

Get Home Insurance Quotes Today

If it seems too difficult to find excellent yet reasonably priced homeowners insurance in Kentucky, don’t worry too much about it – we’ve got you covered!

Insurance Geek gives you the chance to explore your coverage options, compare the quotes, and find the insurance company that suits your needs. The great thing about it is that we’re in business with multiple home insurance companies that are the best of the bunch, like Nationwide, Safeco, and Cincinnati Insurance.

Furthermore, our experts utilize the Fat Agent app to get you the best possible deal.

Here’s how you can use our service to compare the quotes instantly:

Go to the comparison tool. Provide us with some basic info – your address, ZIP code, the type of policy you need, and a few details about your property. This step shouldn’t take more than a minute.

After that, let our algorithms do the job! We’ll give you the best insurance providers and their insurance products (coverage options, discounts, etc.) for your particular needs so you can compare them and figure out which one’s right for you.

Our customer service is available any time during your research, so don’t hesitate to ask for help.

Discount Types

When you get homeowners insurance Kentucky, there are ways you can qualify for discounts.

The best way is to get a bundle of policies from the same insurance company. For instance, you could get life insurance, car insurance, and home insurance and thus become eligible for a discount.

Don’t worry – if there’s a chance to get you a discount of any kind, we won’t miss it!

Top Cities & Metro Suburbs in Kentucky for Homeowners

Louisville Kentucky

Our clients come from every corner of the Bluegrass State, including the most populous cities:

  • Louisville
  • Lexington
  • Bowling Green
  • Owensboro
  • Covington
  • Richmond
  • Georgetown
  • Florence

As it usually is, homeowners insurance costs more in the cities, which is why many opt for life in the Kentucky suburbs, such as:

  • Fort Thomas
  • Indian Hills
  • Hurstbourne
  • Northfield
  • Prospect
  • Anchorage
  • Hurstbourne Acres
  • Wilmore

Where do you reside in Kentucky? Tell us your ZIP code so we can find you the best homeowners insurance quote in Kentucky today!

Who Should Get Kentucky Homeowners Insurance?

We strongly encourage both new and existing Kentucky homeowners to get homeowners insurance. Whether you’ve just purchased real estate in Kentucky, or you’ve been living there for a long time, you really ought to get proper coverage.

Home insurance comes with many benefits. First and foremost, it ensures financial stability in case of a disaster (natural or manmade). Secondly, it protects you if you’re accused of an accident or someone is hurt in your house.

Last (but certainly not least), home insurance gives you peace of mind. Knowing you’re well prepared for what may come is priceless.

What Does Homeowners Insurance in Kentucky Coverage Include?

Let’s talk more about the home insurance policy features and coverage options. The precise details may seem confusing at first glance, but we’re here to help you understand it better.

Here’s the gist of every home insurance policy.

Coverage A – Dwelling coverage

The dwelling coverage or dwelling amount is the precise amount allocated in your home insurance policy specifically for the damage to the physical structure of your house. In other words, it’s the part that reimburses the cost of repairment and rebuilds in case of damage.

The dwelling amount should be based on the replacement cost of your house. That way, you know for sure all expenses will be covered if something were to happen.

Coverage B – Separate structures coverage

Coverage B involves all structures on your property that are NOT a part of the primary dwelling, from mailboxes and garages to fences, swimming pools, and independent sheds.

Basically, any structure that isn’t physically tied to your house falls under this coverage. Interestingly enough, although susceptible to a lot of damage, these structures are often overlooked, which is why this part of the policy is important.

Coverage C – Personal property

Considering that our personal items are perhaps even more vulnerable than the house itself, they need proper coverage.

At first, it may not be so clear as to what falls under personal property coverage. The coverage C section of your homeowners’ insurance policy protects all your precious personal property from events like fire, theft, vandalism, etc.

Coverage D – Loss of use

In case you’re unable to use your house for a period of time due to any sort of damage (any peril included in your policy), the coverage D or loss of use part of the contract covers things like meals, hotel rental, extra transportation costs, and so on.

Coverage E – Liability coverage

The personal liability coverage protects you and your family members against liability for someone else’s injuries or property damage.

The liability coverage comes with some limits regarding the amount, and you can learn all about it here.

Coverage F – Medical Payments

If anyone is hurt on your property, they are covered with the coverage F or medical payments clause. Unlike with personal liability coverage, where you’re covered if you’re at fault, with medical payments coverage, it doesn’t matter who’s to blame. As long as they’ve been injured on your property, the medical bills are covered.

What Isn’t Included in Kentucky Homeowners Insurance Policy?

Although insurance companies in Kentucky offer homeowners insurance policies that cover plenty of things, they don’t cover everything.

Besides getting the home insurance, you may want to look into other insurance products for additional coverage, like auto insurance, life insurance, etc.

These are the things that are usually not included in your homeowners’ insurance policy:

  • Flood insurance

Most homeowners insurance companies don’t provide coverage for flood damage. You have to purchase a flood insurance policy separately. That being said, you can get protection from water damage in your homeowners’ insurance policy. This usually involves coverage for sump pump failure, sewer, or drain backup.

Some of the most esteemed homeowners insurance companies we work with (e.g., Nationwide, Safeco, Cincinnati Insurance) allow you to add this type of protection to your home insurance.

  • Auto insurance

Getting auto insurance is inevitable if you want to protect your automobile from all kinds of perils. This doesn’t mean car accidents only. Your car can be parked in your garage and get damaged along with your house. Home insurance may not cover the damage done to your vehicle, so you need proper car insurance. You can check out cheap auto insurance quotes here.

  • Life Insurance

Even the best homeowners insurance usually doesn’t cover life insurance. You can explore quotes from our life insurance carriers and find the best one for you.

Home Insurance in Kentucky: FAQ

Q: What is the average cost of homeowners insurance in Kentucky?

A: The average annual premium of homeowners insurance in the state of Kentucky costs $1,157, which is just below the national average of $1,173. The reason why Kentucky home insurance is so costly is likely due to the location’s proneness to natural disasters, such as hailstorms, heavy rain, mudslides, landslides, tornados, and similar. In addition, the state’s crime rate adds to the final price. Don’t let this discourage you since the homeowners’ insurance rates depend on a myriad of factors (the state of your home, your credit score, etc.). Plus, you could become eligible for all sorts of discounts! Before you start worrying about staggering prices, try our tool to find the cheapest homeowners insurance in Kentucky.

Q: What are the best homeowners insurance companies in Kentucky?

A: Currently, there’s no better place to get your Kentucky home insurance than Nationwide, Safeco, and Cincinnati Insurance. Their offer is diverse, quotes are cheap, and you may qualify for all kinds of discounts. Plus, from some insurance providers like Cincinnati Insurance, you can get the protection that doesn’t usually come with home insurance, like identity theft protection, flood insurance, and personal cyber protection.

Final Words

Kentucky fried chicken


You now know all there is to know about Kentucky home insurance. All that’s left to do is use our comparison tool to find the best quotes and homeowners coverage options.

If you need any help, feel free to contact our customer service. Our agents are happy to help!