Best Homeowners Insurance Companies in Kentucky (2026)
Kentucky homeowners can find the best insurance policies and prices with Travelers, Allstate, and State Farm.
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Written byEmily Guy Birken
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Over 12 years writing about insurance and personal finance
Emily is a Plutus Award-winning freelance writer and former educator who makes complex financial topics easy to understand. She specializes in the science behind money habits and has written for outlets like The Huffington Post, Business Insider, and The Washington Post.
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Reviewed byJohn Leach
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John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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Data reviewed byAndrew Huang
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Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Table of contents
Homeowners insurance in Kentucky costs an average of $3,048 per year for a policy with $300,000 in dwelling coverage and a $1,000 deductible, according to Insurify data. The national average for the same level of home insurance is cheaper, at $2,544 per year.
Since a standard homeowners policy doesn’t include flood insurance, Kentucky homeowners should also consider this coverage. The state is prone to severe storms like tornadoes, heavy rain, and ice storms, all of which can increase the chances of flood damage.[1]
Here’s what you need to know about finding the best homeowners insurance in the Bluegrass State.
Quick Facts
Allstate, State Farm, and Auto-Owners are among the best Kentucky home insurance companies.
Westfield has the lowest insurance rates in Kentucky, averaging $135 per month.
Louisville encourages eco-friendly homebuilding, which may help residents save money with the green home discount from Travelers Insurance.
Best home insurance companies in Kentucky
A number of quality homeowners insurance companies serve Kentucky homeowners. The best home insurance company for you depends on your specific situation and needs.
As you begin your search for your next insurance policy, consider these companies. Each is ranked among the top insurers in Kentucky.
Travelers: Best for cheap coverage
TravelersCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.8/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $194/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $289/mo |
Travelers Insurance has some of the lowest average home insurance rates in Kentucky, according to Insurify data. You can get a quote online and work with a local insurance agent to finalize your coverage.
Additionally, Travelers offers a 5% discount to any homeowner whose house is certified as a green home by Leadership Energy and Environmental Design. Some parts of Kentucky, such as Louisville, promote eco-friendly living, and residents in those areas can save even more with Travelers.[2]
Pros
Quotes available online
Can bundle auto insurance and homeowners insurance
Green home discount
Cons
More home insurance discounts available elsewhere
Below-average J.D. Power customer satisfaction rating[3]
Must purchase your policy with a local agent
Allstate: Best for new homeowners
AllstateCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A- |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $210/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $348/mo |
First-time homebuyers in Kentucky can access a number of resources and services provided by the state. This includes down payment assistance to offset the cost of down payments and closing costs for first-time home purchases. They can also access mortgage subsidies that can help reduce the interest a homeowner pays on their mortgage.
Allstate offers new homebuyer discounts on homeowners insurance coverage, making this a great insurance company for a newbie Kentucky homeowner.
Pros
Variety of available discounts
HostAdvantage coverage available for home-sharing hosts
Access to flood insurance through the National Flood Insurance Program (NFIP)
Cons
Extended or guaranteed replacement cost coverage isn’t available
Below-average J.D. Power customer satisfaction rating
Higher-than-average number of customer complaints with the National Association of Insurance Commissioners (NAIC)
Cincinnati Insurance: Best for personalized customer service
personalized customer service
Cincinnati Insurance Companies
Compare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | NR |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | Not rated |
Cincinnati Insurance may be the right insurer for Kentucky homeowners who want personalized service from independent local insurance agents.
With local agents located in cities throughout the Bluegrass State, such as Louisville, Lexington, Richmond, and Mount Sterling, Cincinnati offers personalized home insurance policies for all types of homes, including high-value homes.
Pros
Special policies for high-value homes
Rental property insurance available
Lower-than-average number of customer complaints with the NAIC
Cons
Not rated by J.D. Power
Quotes not available online
Website is difficult to navigate
State Farm: Best for roofing discounts
State FarmCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $236/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $349/mo |
Kentucky is prone to severe weather events like windstorms, tornadoes, ice storms, and heavy rain. Each of these types of weather conditions can cause property damage, especially if your roof isn’t up to snuff.
State Farm offers discounts to Kentucky homeowners who install certain types of impact-resistant roofing shingles or hail-resistant shingles. Installing these kinds of shingles can not only help you avoid having to make a claim when a storm blows through, it can also potentially save you money on your home insurance policy with State Farm.
Pros
Above-average J.D. Power customer satisfaction score
Highly rated mobile app
AM Best financial strength rating of A+ (Superior)
Cons
Quotes available only through an insurance agent
Higher-than-average number of complaints with the NAIC
Fewer discounts than some competitors
Auto-Owners: Best for discounts
Auto-OwnersCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.4/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $253/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $378/mo |
Though the name of this insurer is Auto-Owners, the company offers home insurance coverage for single-family homes, condos, mobile homes, and farms. You can choose from a number of optional coverages, including coverage for guaranteed home replacement cost, home cyber protection, and expanded personal items coverage.
Additionally, Auto-Owners offers a number of home insurance discounts, including one for making on-time premium payments and another for adding safety features, like a water shut-off system or wind mitigation.
Pros
Offers a wide range of discounts
Many optional coverages available
Lower-than-average number of complaints with the NAIC
Cons
Below-average J.D. Power customer satisfaction score
Quotes available only through an insurance agent
Low home insurance reviews on Trustpilot and the Better Business Bureau (BBB)
Our editorial team analyzed dozens of regional and national home insurance companies that sell policies in Kentucky to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.
Cheapest home insurance in Kentucky
Westfield offers the cheapest home insurance in Kentucky, with an average monthly premium of $135 for $300,000 in dwelling coverage.
You can find some other inexpensive home insurance companies in the table below.
The below rates in Kentucky are estimated rates current as of: Sunday, February 1 at 11:00 AM PST.
Data reviewed by Andrew Huang
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company  | Average Annual Premium |
|---|---|
| Westfield | $1,620 |
| Travelers | $2,328 |
| Allstate | $2,520 |
| Encompass | $2,580 |
| State Farm | $2,832 |
| Auto-Owners | $3,036 |
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How much does homeowners insurance cost in Kentucky?
The average cost of homeowners insurance in Kentucky is $3,048 per year for $300,000 in dwelling coverage, Insurify data shows. That’s higher than the national average of $2,544 per year.
Kentucky home insurance is a little more expensive than elsewhere in the country for several reasons, including flood risk and theft rates.
Cheapest home insurance companies in Kentucky by dwelling coverage
Dwelling coverage protects the physical structure of your home and pays to repair or rebuild it if a covered peril damages it. Here’s a look at how various dwelling coverage levels in the state of Kentucky can affect your homeowners insurance rates. Premiums shown are for policies with a $1,000 deductible.
The below rates in Kentucky are estimated rates current as of: Sunday, February 1 at 11:00 AM PST.
Data reviewed by Andrew Huang
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company | Average Annual Premium |
|---|---|
| Westfield | $1,481 |
| Allstate | $1,690 |
| Travelers | $1,789 |
| Encompass | $2,135 |
| State Farm | $2,233 |
| Auto-Owners | $2,418 |
The below rates in Kentucky are estimated rates current as of: Sunday, February 1 at 11:00 AM PST.
Data reviewed by Andrew Huang
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company | Average Annual Premium |
|---|---|
| Westfield | $1,666 |
| Travelers | $2,394 |
| Allstate | $2,591 |
| Encompass | $2,653 |
| State Farm | $2,912 |
| Auto-Owners | $3,122 |
The below rates in Kentucky are estimated rates current as of: Sunday, February 1 at 11:00 AM PST.
Data reviewed by Andrew Huang
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company | Average Annual Premium |
|---|---|
| Westfield | $2,270 |
| Travelers | $3,566 |
| Encompass | $3,615 |
| Allstate | $4,294 |
| State Farm | $4,306 |
| Auto-Owners | $4,664 |
The below rates in Kentucky are estimated rates current as of: Sunday, February 1 at 11:00 AM PST.
Data reviewed by Andrew Huang
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company | Average Annual Premium |
|---|---|
| Westfield | $3,159 |
| Encompass | $4,936 |
| Travelers | $5,244 |
| State Farm | $5,935 |
| Allstate | $5,984 |
| Auto-Owners | $7,095 |
Kentucky homeowners insurance cost by city
Various cities in Kentucky have regional rate differences. For instance, homeowners in Lexington typically pay less for the same amount of coverage compared to homeowners in Louisville.
These regional price variations have to do with the different potential hazards in each area. One part of Kentucky may be more likely to see tornadoes, while another has a higher incidence of property crime or vandalism. Homeowners in more rural parts of the state may live much farther away from the nearest fire station, making them more vulnerable to fire compared to their urban counterparts.
All these factors can go into the insurance costs paid from one city or region to the next. Here you can see how the average rate varies across different cities in Kentucky.
The below rates in Kentucky are estimated rates current as of: Sunday, February 1 at 11:00 AM PST.
Data reviewed by Andrew Huang
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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City | Average Annual Premium: With $300,000 in Dwelling Coverage |
|---|---|
| Cincinnati | $2,304 |
| Lexington | $2,304 |
| Louisville | $2,760 |
What homeowners should know about insurance in Kentucky
Kentucky faces some specific perils that homeowners should prepare themselves for. These risks include:
Floods
Although Kentucky is an inland state, it’s prone to multiple types of natural disasters that can cause flooding, including tornadoes, ice storms, and mudslides. But a standard home insurance policy doesn’t cover flood damage. That’s why Kentucky residents may need to purchase flood insurance through the NFIP or a private insurer.
Tornadoes
Violent tornadoes have been tearing through the Bluegrass State for more than 140 years. The good news is that standard coverage typically pays for property damage caused by tornadoes under the windstorm peril.
How much homeowners insurance do you need in Kentucky?
While no Kentucky state law requires homeowners to carry home insurance, your mortgage company will likely require you to carry a home insurance policy as a condition of your mortgage loan.
It’s important to make sure you know exactly what your home insurance policy covers before you officially sign up for coverage. That’s because homeowners insurance can cover a number of aspects of your home, including dwelling and other structures, personal belongings, loss of use, and personal liability.
Carefully reviewing your insurance policy terms to ensure you understand exactly what types of coverage you’re getting can help you avoid being either over- or underinsured.
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How to contact the Kentucky Department of Insurance
The Kentucky Department of Insurance regulates the insurance industry in the state by licensing insurance agents, monitoring the financial health of insurance companies, educating consumers, and making certain that all Kentucky insurance policyholders are treated fairly in the marketplace.
If you feel your insurance company has treated you unfairly or you need help navigating the insurance marketplace in Kentucky, here’s how to contact the state insurance department:
Email: [email protected]
Phone: 1 (800) 595-6053
Mail: 500 Mero Street, 2 SE 11, Frankfort, KY 40601
Kentucky homeowners insurance FAQs
If you’re looking for Kentucky home insurance, the answers to the following common questions can help you in the insurance-shopping process.
How much is home insurance in Kentucky?
The average annual cost of homeowners insurance in Kentucky is $3,048, which is higher than the national average of $2,544.
Which company has the cheapest homeowners insurance in Kentucky?
Westfield has the cheapest insurance rates in Kentucky, according to Insurify data, with an average monthly premium of $135. But the cheapest insurer for you may vary depending on your needs, deductible, claims history, and location.
Does Kentucky require homeowners insurance?
No. Kentucky doesn’t require homeowners to carry insurance. But your mortgage lender will likely require you to have a homeowners insurance policy as a condition of your mortgage loan.
How can you lower your home insurance premiums in Kentucky?
Increasing your deductible, lowering your coverage limits, and eliminating any optional coverages can all help lower your home insurance premiums.
How much is insurance on a $400,000 house?
The cost of insurance for a $400,000 house in Kentucky will depend on a number of factors, including the home’s location, the deductible, and the coverage limits. The average cost of a home insurance policy with $400,000 in dwelling coverage and a $1,000 deductible is $3,876 per year, according to Insurify data.
Do you need flood insurance?
Typically, yes. While not every homeowner needs flood insurance, standard homeowners insurance doesn’t cover flooding, and many homes are in areas that may be vulnerable to flooding or water backup. FEMA has a flood map that allows you to search for your home by address to help you determine if you live in a flood plain.
Methodology
Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Default Coverage Assumptions
- Dwelling coverage: $300,000
- Deductible: $1,000
- Personal property limit: $25,000
- Liability limit: $300,000
Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.
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Sources
- USA Facts. "How many disasters are declared in Kentucky?."
- WLKY. "Louisville officials unveil steel modular home aimed to help with affordable housing."
- J.D. Power. "Homeowners Insurance Premium Increases Threaten Customer Loyalty, Long-Term Profitability, J.D. Power Finds."
- USA Facts. "What is the crime rate in Kentucky?."
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Emily Guy Birken
Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her background in education allows her to make complex financial topics relatable and easily understood by the layperson.
Her work has appeared on The Huffington Post, Business Insider, Kiplinger's, MSN Money, and The Washington Post online.
She is the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and the brand new book Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy.
Emily lives in Milwaukee with her family.
Emily has been a contributor at Insurify since October 2022.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Featured in
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
Featured in