Kentucky Renters Insurance

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

Find affordable 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 protects items from fire, smoke damage, wind, theft, vandalism, and a collection of other events.

Unlike car insurance, renters insurance isn't controlled by state legislation. That said, there are relatively substantial variations in the price of renters insurance by state. Policy costs in states diverge depending on the value of — and frequency of — renters policy claims statewide, and depend on the value of the belongings insured on the policy.

Kentucky renters insurance is more expensive than the national average. The average annual cost of renters insurance in Kentucky is $186, $1 more expensive than the national average.

The easiest way to find a cheap renters insurance policy in Kentucky is to compare rates from multiple companies. Find out average renters insurance rates in Kentucky by reviewing the below data. Individual rates may vary depending on coverage options and the value of your belongings.


Kentucky renters insurance:

  1. By company
  2. Rates by city
  3. Renters-and-auto bundling discounts
  4. FAQs

Renters insurance prices in Kentucky by carrier

Renters insurance rates in Kentucky vary depending on the insurance company you use. Cincinnati Insurance offers the best deal on renters insurance in Kentucky — $108 per year. This compares favorably to Kentucky's average cost of $186, providing a 42% discount on rates typical to the state.

Get a head start on looking for a renters policy by reviewing the cheapest Kentucky companies, listed below.


RENTERS INSURANCE RATES IN KENTUCKY: BY COMPANY
CompanyAverage Annual Rate in Kentucky
Cincinnati Insurance$108.00
State Auto$136.07
State Farm$137.83
Travelers$149.30
Safeco$153.55

Kentucky renters insurance costs: by city

Not every city in Kentucky has equal renters insurance costs. Rates depend on city-specific variables like the number of local claims filed, lending your ZIP code plenty of weight in deciding how much you pay.

The cheapest renters insurance rates in Kentucky are in Covington. The average renters insurance policy in Covington costs $173 each year — $13 less than the average Kentucky rate. Reference the below table to see the cheapest cities in Kentucky for renters insurance.


AFFORDABLE CITIES FOR RENTERS INSURANCE IN KENTUCKY
CityAverage 12-Month Renters Insurance Rate
Covington$173
Florence$173
Independence$173
Fort Thomas$176
Lexington$181

Kentucky insurance bundling discounts: renters and auto

If you're trying to save, consider buying your renters and auto policies from the same insurance company. A renters and auto insurance bundle in Kentucky can lead to substantial savings on car insurance. Purchasing bundled policies in Kentucky leads to average annual savings of $103.


RENTERS AND AUTO INSURANCE BUNDLING DISCOUNTS IN KENTUCKY
Avg. Yearly Auto Insurance Rate (No Bundle)Avg. 12-Month Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %
$1,898.49$1,795.59$102.906%


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


Are you looking for information about renters insurance for a particular city? Have a look at our breakdown of the biggest metropolitan areas in Kentucky.

  1. Lexington
  2. Louisville

Kentucky renters insurance FAQs


Is renters insurance mandated in Kentucky?

Not by state law. However, many landlords will require you 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.