Kentucky Homeowners Insurance

Finding a homeowners insurance policy shouldn't be stressful. Compare Kentucky rates by city and insurance company below.

How to get cheap homeowners insurance in Kentucky


Homeowners insurance isn't required, but it is important. A home insurance policy keeps your personal items protected. Home insurance protects your dwelling, attached buildings, and personal property in the event of a variety of calamities, such as wind damage, fire, theft, vandalism, and others.

Major discrepancies exist in homeowners insurance costs on a state-by-state basis. Policy prices in US states may vary based on the frequency and value of home insurance claims in that particular state, and depend on the value of the belongings and structures covered by the policy.

The easiest way to get an affordable homeowners insurance policy in Kentucky is to get quotes from as many companies as possible. Learn more about homeowners insurance costs in Kentucky via the below breakdown. Remember: your home insurance rates will vary, depending on your coverage limits.


Kentucky homeowners insurance:
  1. Homeowners rates by company
  2. By city
  3. Insurance bundling discounts


Homeowners insurance prices in Kentucky by insurer

Homeowners insurance rates in Kentucky can vary depending on which insurance company you use. Cincinnati Insurance offers the cheapest homeowners policies in Kentucky, at just $1,161 per year. This beats the state average cost of $2,053, offering an $892 discount on rates typical to the state.

Start looking for home insurance by checking out the cheapest Kentucky carriers, listed below.


THE CHEAPEST HOMEOWNERS INSURANCE COMPANIES IN KENTUCKY
CarrierAverage Annual Rate in Kentucky
Cincinnati Insurance$1,160.73
Liberty$1,185.98
Safeco$1,720.94
State Auto$1,847.31
USAA$1,888.95


Kentucky homeowners insurance by city

Not all Kentucky cities have equal homeowners insurance rates. Prices may depend on locally specific variables such as the number of claims filed nearby, meaning your specific ZIP code impact how much you pay.

The best homeowners insurance in Kentucky is available in Fort Thomas. A typical home insurance term in Fort Thomas costs just $1,382 per year — $670 less than the state average. The below cities have the most affordable home insurance in Kentucky.


AFFORDABLE HOMEOWNERS INSURANCE BY CITY IN KENTUCKY
CityAverage Annual Home Insurance Rate
Fort Thomas$1,382.21
Independence$1,430.03
Florence$1,430.91
Lexington$1,436.23
Covington$1,440.65


Money-saving tip: bundle home and auto insurance in Kentucky

If you're trying to save, consider buying your home and auto policies from the same insurance company. Bundling auto and home insurance in Kentucky can save you a substantial sum each month on your auto insurance bill. Purchasing bundled policies in Kentucky may earn you average annual savings of $175.


HOME AND AUTO INSURANCE BUNDLING SAVINGS IN KENTUCKY
Avg. Annual Auto Insurance Rate (No Bundle)Avg. 12-Month Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %
$1,854.00$1,679.00$175.0010%


A great way to save is to bundle your home and auto insurance policies. Compare rates today!


Compare rates from top car insurance companies.

Location pin icon