Kentucky Homeowners Insurance

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

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How to get affordable homeowners insurance in Kentucky


Homeowners insurance isn't required, but it is important. A home insurance policy keeps your personal items protected. A homeowners policy covers your dwelling, attached buildings, and personal property against a number of circumstances, such as wind damage, fire, theft, vandalism, and others.

Unlike car insurance, homeowners insurance isn't priced based on state-level laws. That said, major gaps exist in homeowners insurance costs on a state-by-state basis. Policy rates in a given state vary based on the value of — and frequency of — home insurance claims filed statewide, and depend on the value of the belongings and dwelling you're insuring.

The easiest way to acquire affordable homeowners insurance in Kentucky is to view prices from as many insurance companies as you can. Learn more about home insurance rates in Kentucky via the below data. Individual rates may vary depending on coverage options.


Kentucky home insurance:
  1. Rates by company
  2. Costs by city
  3. Rates by coverage level
  4. Rates by deductible amount
  5. Home-and-auto bundling discounts
  6. FAQs

Homeowners insurance rates in Kentucky by company

Home insurance prices in Kentucky vary depending on the insurer you choose. Cincinnati Insurance offers the most affordable home insurance in Kentucky, at only $1,161 per year. This beats the state mean rate of $2,053, offering an $892 price cut on the typical rates in the state.

Begin your search for affordable homeowners coverage by reviewing the most affordable Kentucky home insurance carriers, listed below.


THE MOST AFFORDABLE HOMEOWNERS INSURANCE COMPANIES IN KENTUCKY
CompanyAverage Annual Rate in Kentucky
Cincinnati Insurance$1,161
Liberty$1,186
Safeco$1,721
State Auto$1,847
USAA$1,889

Kentucky home insurance prices: by city

Not all Kentucky cities have the same homeowners insurance rates. Rates are determined based on on city-specific variables, such as the number of claims filed nearby, meaning your ZIP code could have a major impact on how much you pay.

The cheapest home insurance rates in Kentucky are in Fort Thomas. The average home insurance policy in Fort Thomas costs $1,382 every 12 months — $670 less than the statewide average. The below table shows the best places to live in Kentucky if you’re looking for cheap homeowners insurance.


AFFORDABLE CITIES FOR HOME INSURANCE IN KENTUCKY
CityAverage 12-Month Home Insurance Rate
Fort Thomas$1,382
Independence$1,430
Florence$1,431
Lexington$1,436
Covington$1,441

Home insurance costs in Kentucky by coverage levels

Your chosen level of homeowners coverage impacts the insurance premiums you pay . In Kentucky, carrying $100K dwelling coverage costs an average of $854 per year, while carrying additional coverage up to $400K costs $2,415/year.


HOMEOWNERS INSURANCE RATES IN KENTUCKY — COMMON COVERAGE LIMITS
Coverage LevelAverage Annual Premium
$100,000 Dwelling$854
$200,000 Dwelling$1,441
$250,000 Dwelling$1,582
$400,000 Dwelling$2,415

Compare Homeowners Insurance Rates

Home insurance deductibles in Kentucky

Kentucky homeowners have numerous choices to make when purchasing a home insurance policy, including how high or low to set their deductible. The deductible is the amount the insured is responsible for paying toward a covered loss. Where you set your deductible can play a large part in how much you pay for insurance.

A good rule of thumb is: the lower your deductible, the higher your premium will be. As such, if you want your insurance rates to stay low, aim for a higher deductible. It's worth mentioning that your deductible should only be as high as you can reasonably pay in the case of an actual loss.

Below are some common deductibles offered on most home policies along with corresponding average insurance premiums.


HOME INSURANCE COSTS BY DEDUCTIBLE LEVEL IN KENTUCKY
Deductible TierAverage Annual Homeowners Insurance Rate
$500$1,695
$1,000$1,582
$1,500$1,512
$2,000$1,416
$5,000$1,206

How to save: bundle home and auto insurance in Kentucky

If you're trying to save on insurance, consider holding your car and homeowners policies with the same insurance company. A home and auto insurance bundle in Kentucky can save you a substantial sum each month on your auto insurance policy. Bundling home and auto policies in Kentucky leads to average annual savings of $175.


HOME AND AUTO INSURANCE BUNDLING DISCOUNTS IN KENTUCKY
Avg. 12-Month Auto Insurance Rate (No Bundle)Avg. Annual Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %
$1,854$1,679$17510%

Bundling home and auto policies is a great way to save. Find a policy today!


Seeking information on homeowners insurance in a specific city? Check out our breakdown of major 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.



Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including BestCompany.com.