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What type of insurance do you need?
The average American homeowner pays $1,173 per year for home insurance, but in Kentucky, the average annual premium is $1,062. Even though insurance is less expensive for homes in Kentucky, there is still room for big savings when you shop around for the best rates. An independent insurance agent can help.
Your home insurance gives you a backup plan in case a catastrophe strikes in your neighborhood. Whether it's a fire, heavy winds or a burglary, you're covered if you have a suitable Kentucky homeowners insurance policy.
Pays for repairs to your home and your belongings
Pays for someone else's injuries or property damage when it's your fault
Pays for temporary living expenses when your home is damaged
We can’t be 100% certain, but last year insurance companies spent more than $549 million on home insurance claims in Kentucky. That's a lot of unfortunate events happening to Kentucky homeowners.
Insurance carriers calculate the cost of a home insurance policy by asking "how likely is it that something bad will happen?" The more likely it is that something bad will happen, the more expensive the home insurance policy will be, and vice versa. We call these potential disasters "risk." Let’s take a look at how risky Kentucky is compared to the rest of the US.
Burglary rates in Kentucky match up to the national average. Homeowners in areas of Kentucky that have higher crime rates may pay more for their coverage.
The weather in Kentucky plays a large role in damage to area homes. Whether your house is damaged by hail, lightning, heavy winds, or other disasters, if you have the right coverage in place you do not have to worry about the problem causing you significant financial damage.
Yes! There are currently 331 independent insurance agents in Kentucky who are ready to help. Did you know that independent insurance agents can give you multiple policy options to choose from? That way, you'll receive completely customized coverage that addresses all of your unique insurance needs.
National average burglary rate 4.69 per 1,000 homes
National average home value $188,900
National average home insurance cost $1,173 year
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