Popular Questions about Kentucky Home Insurance

The average annual home insurance cost in Kentucky is $1,109, coming in slightly less than the national figure of $1,211 per year. Individualized quotes are required to get your exact home insurance premium. 

In Kentucky, the law does not govern your homeowners insurance coverage. Rather, if you have a mortgage or lender on your property, they will require proof of insurance to obtain a loan. Since Kentucky had $549.23 million paid in home claims in one year alone, the proper coverage can protect you from financial ruin.

Kentucky homeowners insurance can be purchased through top-rated carriers easily. Some of the top markets in Kentucky are Travelers, State Auto, Safeco, and Nationwide. These insurance companies come highly rated due to their speedy claims service and broad coverage selection.

Kentucky carriers look at the following items when calculating your homeowners insurance:

  • Replacement cost of home
  • Coverages selected
  • Past claims reported
  • Disasters reported in the area
  • Local crime rates

Yes, Kentucky has 331 independent insurance agencies in existence today. Each one can shop your home insurance through local top-rated carriers so that you get the best coverage at a low rate.

In Kentucky, your home insurance policy comes with standard limits to protect against a fire, theft, vandalism, or severe weather loss. Limits are split among the following coverages:

  • Dwelling value
  • Other structures
  • Personal property
  • Personal liability
  • Medical payments
  • Additional living expenses

Do You Know What Your Kentucky Home Insurance Covers?

Find the Best Homeowners Insurance in Your City

How does your city measure up to the national average?

National average burglary rate 3.76 per 1,000 people

National average home value $269,000

National average home insurance cost $1,211 year

CityAnnual insurance costAvg. home valueBurglaries / 1,000 Residents
Benton$855$125,0622.99
Bowling Green$1,119$145,8005.87
Central City$744$74,3060.85
Covington$842$103,1457.2
Elizabethtown$1,118$180,6803.59
Frankfort$1,091$135,9239.17
Henderson$904$113,0185.92
Hopkinsville$924$119,1096.27
Hurstbourne$1,621$402,0160.39
Jamestown$768$85,1670.55
Jeffersontown$1,047$178,4843.41
Lebanon$782$98,9315.08
Lexington$1,169$181,2007.72
Louisville$1,100$133,65613.56
Mayfield$779$91,4047.44
Maysville$960$120,2236.04
Mount Sterling$866$127,8585.09
Owensboro$1,001$123,7778.19
Paducah$912$117,1376.04
Prospect$1,591$398,4940.41
Richmond$1,137$144,0647.33
Scottsville$789$99,4696.3
Springfield$890$107,4261.29