Kentucky Renters Insurance

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

Find cheap renters insurance in Kentucky


Renters insurance is an affordable type of insurance that keeps your belongings safe in the event your apartment suffers major damage. A renters policy covers household items from fire, smoke damage, a wind storm, vandalism, theft, and a collection of other circumstances.

There are relatively large variations in average renters insurance prices by state. Renters insurance prices by state vary based on the value of — and total number of — renters policy claims filed across the state, and depend on the value of the belongings being insured.

Renters insurance in Kentucky is more expensive than the US average. The typical annual renters insurance rate in Kentucky is $186, $1 more expensive than the US average.

The easiest way to get an affordable renters insurance policy in Kentucky is to view prices from as many companies as possible. Find out how much renters insurance costs in Kentucky by reviewing the below data. Your rates may vary, depending on your coverage details and the value of your belongings.


Kentucky renters insurance:
  1. By insurance company
  2. Rates by city
  3. Insurance bundling discounts
  4. Frequently asked questions


Renters insurance prices in Kentucky: popular companies

Prices for renters insurance in Kentucky can vary depending on which insurance company you choose. Cincinnati Insurance provides the cheapest renters insurance in Kentucky, at only $108 per year. This is less than the state's average cost of $186, offering a 42% price cut on the state's average rate.

Begin your search for a renters policy by reviewing the most affordable Kentucky carriers, listed below.


Insurance CompanyAverage Annual Rate in Kentucky
Cincinnati Insurance$108.00
State Auto$136.07
State Farm$137.83


Kentucky renters insurance by city

Not every city in Kentucky has equal renters insurance costs. Policy pricing depends on city-specific variables, such as the number of claims filed nearby, giving your ZIP code weight in deciding how much you pay.

The most affordable renters insurance rates in Kentucky are in Covington. In Covington, KY, the typical renters insurance policy costs $173 each year — $13 less than the average Kentucky rate. The below table shows the best places to live in Kentucky if you’re looking for cheap renters insurance.


CityAverage Annual Renters Insurance Rate
Fort Thomas$176.47


Save by bundling renters and auto insurance in Kentucky

If you're trying to save, consider purchasing both your car and renters insurance policies from one company. Bundling renters and auto insurance in Kentucky can save you a substantial sum each month on your auto insurance policy. In fact, bundling policies in Kentucky leads to an average annual savings of $103.


Avg. Annual Auto Insurance Rate (No Bundle)Avg. 12-Month Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %

You can save money on insurance by bundling your renters and auto policies. Compare rates today!


Compare rates from top car insurance companies.

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Kentucky renters insurance FAQs


Is renters insurance mandated in Kentucky?

Not by state law. However, many landlords will require you to carry renters insurance to protect their property.

What does renters insurance cover in Kentucky?

A basic renters insurance policy in Kentucky will cover your property, your liability, medical payments, and additional living expenses.