Finding the best homeowners insurance in Kentucky can seem challenging. However, the agents at HomeownersInsurance.com have made it easy. Just complete one quick quote form to get comparative rates on the top home insurance coverage in Kentucky. Our team of licensed agents will help you choose the best policy at the lowest price to make sure your home is protected while keeping it affordable.
In April 2013, average Kentucky homeowners insurance rates were around $1129. Average rates have decreased since March 2013, when KY homeowners were paying around $1181 for standard home insurance coverage.
It's important to review your policy regularly to make sure you are taking advantage of all available discounts. A HomeownersInsurance.com agent can talk to you about the discounts available and see if you are missing out on important savings. While reviewing your discounts, we will also make sure you are adequately covered.
|Home 1||Home 2||Home 3||Home 4||Home 5|
|Premium with Auto Discount||$2,191||$1,166||$528||$1,483||$3,401|
|Carrier||Liberty Mutual||Liberty Mutual||MetLife||Liberty Mutual||Foremost|
|Foundation type||Basement||Basement||Basement||Crawl Space|
|Discounts|| || || || || |
|Primary Heat Source||Central Electric||Central Electric||Central Gas||Central Gas|
Dwelling: A standard Kentucky homeowners insurance policy should include enough dwelling coverage to pay for the replacement or repair of your home when and if it is damaged in a covered peril
Other Structures: Other structures such as detached garages or sheds would also be covered under a standard Kentucky home insurance policy
Contents/Personal Property: A Kentucky home insurance policy will also typically provide coverage for the contents of your home including furniture, electronics, clothing and other personal belongings.
Loss of Use: If your Kentucky home is damaged in a covered peril, ‘Loss of Use’ coverage pays for alternative accommodations and living expenses while you are unable to live in your home.
Personal Liability Protection: In Kentucky, your standard homeowners insurance policy will typically provide financial protection in the event of a lawsuit where you have caused damage or bodily harm to another person or their personal property.
Medical Payments: Medical Payments coverage, or Kentucky MedPay, offers reimbursement for medical bills if someone other than you or a family member is injured on your property and a lawsuit is not involved.
Click on your Kentucky county below to learn more about homeowners insurance in your area:
For additional information about specific Kentucky homeowners insurance laws and regulations, visit the Kentucky Department of Insurance website.
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