Covington, KY Homeowners Insurance

(Find the right homeowners insurance policy for you.)


Life in historic Covington is almost always peaceful. With 12 historic districts and beautiful scenery at the confluence of the Ohio and Licking Rivers, residents enjoy a charming backdrop to their everyday lives. While this city offers many perks for homeowners, there are also some serious risks to be aware of. Covington is one of the highest risk areas for tornadoes in Kentucky, with an average of two major tornadoes each year. The next time a tornado touches down, make sure your home is protected with comprehensive Covington homeowners insurance.

When you are searching for the most affordable home insurance in Covington, take time to compare quotes from multiple companies. You can gather multiple quotes at once with the help of our friendly Independent Insurance Agents. When you contact our experienced agents, they can walk you through your options and help you weigh the pros and cons of each policy. This gives you an extra advantage so you are certain to select a Covington homeowners insurance plan that will offer adequate protection for your home.

Cost of Homeowners Insurance in Kentucky

  • National yearly premium average: $1,034
  • Kentucky yearly premium average: $916
  • 27th most expensive premium in the U.S.

When you make your home in Covington, you will enjoy home insurance rates that are substantially lower than the national average. Ultimately, your premium will be determined by several factors such as the age of your home, where it's located and specific risk factors like proximity to the river, swimming pools, and aggressive dog breeds.

Number of Thefts in Kentucky

  • National number of burglaries: 37,814
  • Kentucky number of burglaries: 26,213

Covington homeowners can feel reassured that burglaries are far less common in their city than in most places across the country. Still, break-ins do happen, so it's best to be prepared with theft protection included in your home insurance policy. If you do get robbed, your homeowners insurance will cover the cost of your stolen valuables so you won't be stuck visiting local pawn shops to try to find your missing goods.


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Number of Catastrophes in Kentucky

  • Number of catastrophes in Kentucky: 743
  • Number of tornadoes in Kentucky: 17
  • Amount of property damage in Kentucky: $12,300,000

Each year, 17 tornadoes touch down in Kentucky, causing serious damage to homes and businesses. On average, two of those will land in Covington, so homeowners have to take unpredictable storms into consideration when choosing a home insurance plan.

What Are the Risks in Covington?

Covington has a high risk for tornadoes, with an average of two major tornadoes striking the city each year. In 1974, a historic F5 tornado ripped through Covington, injuring 190 people and leaving 3 dead. Weather is one factor the homeowners simply cannot control, and considering the high risk for tornado damage, it's important to invest in a comprehensive Covington homeowners policy that is designed specifically to protect against damage from natural disasters.

Compare Covington Home Insurance Quotes

Selecting the best Covington homeowners insurance starts by gathering information about your options. An Independent Insurance Agent will offer quotes from multiple policies so you can take an objective look at all of the options and choose the best coverage for your home. 

Contact an agent today to get a quote and learn more about Covington homeowners insurance.

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