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
  1. $72
  2. Mount Sterling, KY Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Mount Sterling is $72. 
  4. Several different factors will influence how your actual rates are calculated. These include the age, size and value of your home and your credit score and claims history. You can therefore expect your quoted rate to be higher or lower than this average. 
  5. Mount Sterling home insurance is designed to cover hazards such as liability, property crime, accidental fires, and weather-related damage. Occasional high winds sweep through the area, damaging roofs and causing trees to fall on local homes. If wind damage is a problem for your home, you can file a claim with your home insurance provider and receive compensation to make repairs.


  1. $71
  2. Benton, KY Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Benton is $71. 
  4. Your actual home insurance premiums could be significantly more or less than this average. It depends on several variables, like the size and age of your house, the crime rate in your ZIP code, and your credit score. Comparing rates enables you to be sure you are getting your coverage at the best price.
  5. Your Benton homeowners insurance can cover you against many different hazards that can otherwise cause you to face large financial losses. These include damage related to severe weather, liability lawsuits if someone is injured on your property, and weather-related damage. Fortunately for residents of Benton, the burglary rate here is low, but if you are the victim of a property crime, you can turn to your home insurance for compensation for your losses.


  1. $62
  2. Central City, KY Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Central City is $62. 
  4. Of course, rates can vary significantly from one homeowner to the next, so you can expect your quoted costs to be higher or lower than this average. Rates will be determined using several factors such as the type of house you live in, the home's size and age, your credit score, your previous claims, and several other factors.
  5. Central City homeowners insurance can protect you from facing large financial losses if you fall victim to some of the common hazards faced by homeowners. These include liability lawsuits, property crimes, residential fires, and severe weather. Summer storms in Central City are sometimes severe, bringing frequent lightning and occasional hail. If a hailstorm damages your home, you can file a claim with your homeowners insurance and get the money you need to make repairs quickly.


  1. $87
  2. Jeffersontown, KY Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Jeffersontown is $87. 
  4. Every homeowner will pay a customized rate for their home insurance coverage, so there is often large variance from one resident to the next. Insurance companies calculate your cost based on a variety of factors like your home’s location, square footage and age. They may also consider factors such as the number of people who live in the home and your credit score. Compare rates from multiple carriers to be sure you are getting your coverage at a competitive rate.
  5. Jeffersontown homeowners insurance protects policyholders from having to face large financial losses in the wake of a covered event. It can cover against things like severe weather, accidental fires, property crimes, liability lawsuits, and other hazards. A burst pipe can quickly turn into a major catastrophe for your home. As water spills out everywhere, the damage to your floors can be severe. If the pipe is upstairs, water can drip down and damage the lower level too. Luckily, home insurance covers non-flood-related water damage and can pay for repairs if this happens to you.


  1. $97
  2. Lexington, KY Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Lexington is $97. 
  4. Your actual home insurance cost could be less or more, based on variables like your home's size, age and building materials, and your credit score and claims history. Comparing rates from a few different insurers enables you to be sure you are getting a suitable policy at a great price.
  5. Lexington homeowners insurance can cover a variety of hazards such as property crimes, liability lawsuits, residential fires, and weather-related damage. Storms that bring high winds in Lexington are no joke and can do serious damage to local homes. If the wind blows a tree onto your house, it can be a scary experience, but your homeowners insurance can step in to cover the cost of repairs.


  1. $70
  2. Covington, KY Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Covington is $70. 
  4. Your premium might be significantly higher or lower than the average depending on your specific situation. Insurance companies use several factors to determine rates. These include the age, size and value of your home, whether you present any special liability concerns such as a dangerous breed of dog or a swimming pool, and even your credit score. Comparing rates allows you to find the best price for your policy.
  5. Covington homeowners insurance can provide coverage against a number of different hazards. These include weather-related damage, property crimes, liability lawsuits, and residential fires. Whether your home is destroyed by a wildfire or an electrical fire, the devastation is the same. Fortunately, home insurance gives you a backup plan and can cover your costs to repair or rebuild after a fire.


  1. $77
  2. Hopkinsville, KY Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Hopkinsville is $77. 
  4. Of course, insurance prices can vary significantly from one homeowner to the next. Your actual premium might be higher or lower, depending on a number of factors such as the crime rate in your ZIP code, the size, age, and structure of your home, the amount of coverage you wish to purchase, and sometimes even your credit score.
  5. Hopkinsville homeowners insurance can cover you against a variety of hazards including liability lawsuits, property crimes, and severe weather. If lightning strikes your home, it can cause serious damage. Summer storms in Hopkinsville can be intense, and if your home sustains damage or catches fire because of lightning, you'll need a reliable home insurance plan to cover the cost of repairs.


  1. $93
  2. Bowling Green, KY Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Bowling Green is $93. 
  4. Your actual cost could be notably more or less, depending on a variety of factors that insurance companies use to determine appropriate costs. These include the size and age of your home, the amount of coverage you wish to purchase, the crime rate in your ZIP code, previous claims, and even, at times, your credit score.
  5. Bowling Green homeowners insurance can provide coverage against a variety of hazards, many of which may be unexpected. If you have a burst pipe or a leaking appliance, water damage to your home can quickly become a major issue. If you discover soggy floors or huge puddles of water in your home, you can file a claim. As long as the damage is not flood-related, your insurance policy can help pay to clean up the mess and make home repairs. 


  1. $83
  2. Owensboro, KY Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Owensboro is $83.
  4.  Your actual premiums could be considerably higher or lower than this amount. That is because insurance companies calculate rates according to such factors as the size of your house, your house's building materials, the amount of coverage you are purchasing, and even sometimes your credit score.
  5. Your Owensboro homeowners insurance can cover you against many of the hazards you face as a homeowner in this city. This includes loss or damage caused by property crimes, accidental fires, liability lawsuits, and severe weather. Tornadoes are a serious threat in this state, and Owensboro residents are not immune. If your home is damaged or destroyed by a tornado, you may gain some peace of mind from knowing that your home insurance plan can cover the cost of repairs.


  1. $92
  2. Louisville, KY Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Louisville is $92. 
  4. Your actual home insurance cost will be determined by unique factors like the size and structure of your house, the crime rate in your ZIP code, the amount of coverage you are purchasing, and even your credit score. Your quoted rates could therefore be considerably higher or lower than this average.
  5. Most people never stop to think about burglaries until it's too late. In Louisville, theft is a serious concern, and homeowners should take precautions by locking their doors and installing security systems. If your home does get targeted by burglars, you can file a claim with your home insurance provider and replace any stolen valuables and make repairs to any damage left after the break-in.