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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 carriers look at the following items when calculating your homeowners insurance:
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:
National average burglary rate 3.76 per 1,000 people
National average home value $269,000
National average home insurance cost $1,211 year
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