Paige Cerulli Last Updated On: September 21, 2023

Home / Home / Home Insurance In Kentucky

How to Find the Best Home Insurance in Kentucky

A quality home insurance policy helps to protect your investment in your home, and it also gives you peace of mind. But finding the best home insurance in Kentucky can be confusing, especially if you’re a new homeowner and haven’t shopped for home insurance before. It’s important that your insurance provides the coverage you need at a cost that you can afford, and that’s why we’ve outlined the essential information you need to know so you can find the right policy.

Free Home Insurance Comparison - Save up to 30%

No junk mail. No spam calls. Free quotes.

No Signup required

Table of Contents

The Average Cost of Home Insurance in Kentucky

The average cost of home insurance in Kentucky is $3,163 per year for $300,000 in dwelling and liability coverage with a $1,000 deductible. Keep in mind that premiums can vary based on factors like your home’s age and value, the size of your home, and even whether you have a swimming pool.

Your location also plays a role in your home insurance costs. Factors like population density, crime rates, and average home prices in your city can impact your rates. Here are some of the most expensive and least expensive cities for home insurance in Kentucky.

Kentucky CityAverage Cost of Home Insurance Per Year
Tiline$4,061
Fulton$4,029
Alexandria$2,270
Fort Thomas$2,255
Florence$2,228


Since the cost of home insurance in Kentucky can vary so much, getting a personalized quote will give you the most accurate idea of what you will pay for insurance. You can easily request free home insurance quotes in Kentucky from ConsumerCoverage to start exploring your insurance options.

Free Home Insurance Comparison - Save up to 30%

No junk mail. No spam calls. Free quotes.

No Signup required

Coverage Options for Home Insurance in Kentucky

As you compare rates for home insurance in Kentucky, it’s important to know what’s included in each policy. Most standard home insurance policies will include these coverages:
  • Dwelling coverage applies to your home’s structural elements, and pays for damage sustained by your roof, walls, or porch.
  • Other structures coverage helps to pay for damage to structures that aren’t attached to your home, like a shed.
  • Personal property coverage helps to repair or replace belongings inside your home, including furniture and electronics.
  • Personal liability coverage protects you in case another person is ever injured or has their property damaged while they are on your property.
  • Medical payments coverage helps to pay for medical expenses that might result if another person is ever injured while on your property.
  • Loss of use coverage helps to pay for expenses like a rental property if you aren’t able to live in your home while it’s being repaired.
While those standard coverages are a good place to start, you might want to add on these optional coverages so that your home is more fully protected:
  • Tornado coverage: Most standard policies will cover damage to your home by a tornado, but you may want to check your policy limits to make sure that they’re high enough to fully replace or repair your home. If you’re in an area that’s at high risk for tornadoes, you may want to increase your limits or add on coverage to protect your home.
  • Flood insurance: Most home insurance policies don’t cover damage caused by floods. If you’re in an area at risk of flooding, it’s a good idea to purchase a separate flood policy.

How to Save Money on Home Insurance in Kentucky

You can save money on home insurance in Kentucky in several ways. As you start to narrow down your potential policy options, ask each provider if they offer discounts for having multiple policies, like your home insurance and car insurance policies. If you choose a home insurance plan with a high deductible, it can lower your monthly premiums. Just make sure that you have enough money saved up so that you can pay the deductible if you do have to file a claim.

Comparing quotes can help you to find the best coverage at the best price. Request a free homeowners insurance quote from ConsumerCoverage today to get started.

Free Home Insurance Comparison - Save up to 30%

No junk mail. No spam calls. Free quotes.

No Signup required

Paige Cerulli Paige Cerulli is a freelance content writer and journalist who specializes in personal finance topics. She graduated from Westfield State University and brings more than a decade of professional writing experience to the ConsumerCoverage team. Paige’s work has appeared in outlets including USA Today, Business Insider, and more.

INSURANCE QUOTES

Stay Up-to-Date
Subscribe to our newsletter and receive alerts, offers, education, and updates in your inbox.