Kentucky Homeowners Insurance

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

How to find inexpensive home insurance in Kentucky


Homeowners insurance is an optional — but important — product that works to keep your belongings safe in the event your house or property suffers damage from common incidents. A home insurance policy protects your dwelling, personal property, and other buildings in the event of an array of circumstances, including theft, fire, vandalism, or wind damage.

Unlike auto insurance, home insurance is not priced based on state-level legislation. Even so, major differences exist in homeowners insurance costs from state to state. Policy costs in a given state may differ based on the number and total value of homeowners claims submitted statewide, and also on the price of the belongings and home you're insuring.

The best way to find a cheap homeowners insurance policy in Kentucky is to view prices from as many homeowners insurance companies as you can. Learn how much home insurance costs in Kentucky via the below breakdown. Your rates may vary, depending on your coverage details.


Kentucky home insurance:
  1. Homeowners rates by company
  2. Costs by city
  3. Bundling discounts
  4. FAQs

Homeowners insurance rates in Kentucky by company

Homeowners insurance rates in Kentucky vary based on the insurer you use. Cincinnati Insurance underwrites the most affordable home insurance in Kentucky — just $1,161 per year. This compares favorably to the state average price of $2,053, offering an $892 discount on the typical rates in the state.

Start searching for a home insurance policy by reviewing the cheapest Kentucky home insurance carriers, listed below.


HOMEOWNERS INSURANCE RATES IN KENTUCKY: BY CARRIER
Insurance CompanyAverage Yearly 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 costs: by city

Home insurance rates in Kentucky vary by city. Policy rates rely on on locally specific variables such as the number of homeowners claims filed nearby, meaning your ZIP code could have a major impact on how much you pay.

The cheapest homeowners insurance in Kentucky is found in Fort Thomas. In Fort Thomas, the typical home insurance policy costs $1,382 per year — $670 less than the average homeowners policy in other Kentucky cities. The below table shows the best places to live in Kentucky if you’re looking for cheap homeowners insurance.


AFFORDABLE HOME INSURANCE CITIES 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

Home and auto insurance bundles in Kentucky

If you want to save on insurance, consider purchasing both your home and auto insurance policies from one company. Bundling auto and homeowners insurance in Kentucky can save you a substantial sum each month on your auto insurance bill. Bundling policies in Kentucky leads to an a yearly discount of $175.


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

One of the best ways to save on auto insurance is to bundle your policies. Compare rates today!


Looking for information on home insurance in a particular city? Check out our breakdown of large Kentucky cities:

  1. Lexington
  2. Louisville

Kentucky home insurance FAQs


What is the tax rate on Kentucky homeowners insurance?

Kentucky has an insurance tax which impacts insurance companies. The amount varies based on your location.

Is home insurance required in Kentucky?

Although not required by Kentucky's state laws, home insurance is required by every mortgage or loan provider.



Compare rates from top car insurance companies.

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