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.
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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 City | Average 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.
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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.
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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.
