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Best Louisville Homeowners Insurance Quotes (2025)

USAA, Westfield, and Grange offer the best homeowners insurance policies in Louisville, Kentucky.

Elizabeth Rivelli
Written byElizabeth Rivelli
Elizabeth Rivelli
Elizabeth Rivelli

  • 5+ years writing insurance and personal finance topics

  • Auto, home, health, and life insurance expertise

Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.

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Sara Getman
Edited bySara Getman
Sara Getman
Sara GetmanAssociate Editor

Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.

Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.

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The average home insurance premium in Louisville is $2,973 per year for a policy with $300,000 in dwelling coverage and a $1,000 deductible. While Kentucky law doesn’t require homeowners insurance like it does for auto insurance, it’s a good investment for many homeowners.

Louisville is susceptible to extreme weather, like windstorms and tornadoes, which most standard home insurance policies cover. But adding a separate flood insurance policy might be a good idea for homeowners in flood-prone areas of the city.

Here’s what you need to know about finding the best homeowners insurance in Louisville.

Quick Facts

  • Louisville homeowners pay $3,054 per year for a $300,000 policy with a $500 deductible.

  • Louisville homeowners pay the most for insurance in Kentucky, while homeowners in Bowling Green pay the second highest.

  • Westfield, Travelers, and Allstate offer the cheapest policies in Louisville.

Best home insurance companies in Louisville

Many reputable home insurance companies insure properties in Louisville. The best home insurance company for you depends on your specific situation, coverage needs, and budget. Here are some of the top home insurance companies in Louisville and what they stand out for.

Best company for military families: USAA

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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.
8/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
737
$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.
$146/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.
$206/mo

USAA can be an excellent home insurance company for Louisville homeowners who are enlisted in the military or who work at nearby Fort Knox. USAA exclusively insures active-duty, retired service members, and their immediate family members.

USAA stands out for its impressive customer satisfaction and claims satisfaction ratings from J.D. Power. It also provides good coverage options, including automatic replacement cost coverage for personal belongings and certain home-building materials.

Pros

  • High J.D. Power ratings for customer satisfaction and claims satisfaction

  • Good coverage options

Cons

  • Available only to eligible military personnel and families

  • Longer quote process than some competitors

Best company for low premiums: Westfield

low premiumsWestfield logoWestfield

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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
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).
NR
$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.
$159/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.
$193/mo

Westfield has some of the cheapest homeowners insurance premiums in Louisville, according to Insurify data. 

Westfield offers several endorsements for more customized protection, like inland flood insurance, equipment breakdown insurance, and service line coverage. Westfield also offers two specialty packages, WesPak and WesPak Estate, which provide more specialty coverage than a standard policy.

Pros

  • Low average premiums

  • Offers add-ons and specialty packages for tailored coverage

Cons

  • Quotes not available online

  • Fewer discounts than some other insurers

Best company for comprehensive coverage: Grange

comprehensive coverageGrange logoGrange

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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
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).
NR
$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.
$105/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.
$169/mo

Grange can be a great home insurance company for Louisville homeowners who want to customize their home insurance policies based on their unique needs. Grange offers coverage for equipment breakdown, service lines, concealed water damage, assisted living care, valuables, matching building materials, and more.

The company also provides multiple discounts, with savings for getting a quote in advance, bundling home and auto insurance, installing connected fire alarms, completing a DIY home inspection, and several others.

Pros

  • Many home insurance endorsements

  • Many available discounts

Cons

  • Premiums are more expensive than the citywide average

  • Must work with an agent to get a quote

  • Our editorial team analyzed regional and national home insurance companies that sell policies in Louisville 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 companies in Louisville

Westfield is the cheapest home insurance company in Louisville, with an average premium of $1,375 for a policy with $300,000 in dwelling coverage. Here are some other cheap home insurance companies in Louisville and their average annual premiums.

Insurance Company
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Average Annual Premium
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Westfield$1,375
Travelers$1,584
Allstate$2,018
Cincinnati Insurance$2,117
ASI$2,160
State Farm$2,674

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How much is home insurance in Louisville?

The average cost of home insurance in Louisville is $2,973 per year for a policy with $300,000 in dwelling coverage and a $1,000 deductible. The average homeowner pays about $248 per month for home insurance.

Home insurance premiums are personalized for each homeowner. Insurers consider a variety of factors when setting premiums, including your ZIP code, the age of your home, the building materials used, and the type of home insurance you get.[1]

Cost of home insurance by dwelling coverage in Kentucky

Dwelling insurance is the portion of your home insurance policy that covers damage to the physical structure of your home and attached structures. Higher dwelling coverage limits will result in higher premiums, and lower dwelling coverage limits will have lower premiums.

Below, you can see the average home insurance premium in Kentucky for several different dwelling coverage limits.

Coverage Limit
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Average Annual Premium
sort ascsort desc
$100,000$1,268
$200,000$1,956
$300,000$2,625
$400,000$3,294
$500,000$4,008

Cost of homeowners insurance by deductible amount

Most home insurance policies have a deductible, which is the amount you’re responsible for paying out of pocket when you have a covered loss. You pay the deductible each time you file a claim.[2]

Your deductible directly affects the total cost of your insurance policy. Choosing a higher deductible will result in a lower annual premium, and a lower deductible will have a higher premium.

The following table shows the average home insurance premium for two deductible amounts.

Deductible Amount
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Average Annual Premium
sort ascsort desc
$500$3,054
$1,000$2,973

Average cost of home insurance in other cities in Kentucky

Different cities in Kentucky, as well as different ZIP codes within the same city, can have different home insurance premiums. Factors like the number of residential break-ins, extreme weather events, and distance to a fire station can affect rates in a specific area.

Below are the average home insurance premiums in several Kentucky cities for a $300,000 policy with a $1,000 deductible.

City
sort ascsort desc
Average Annual Premium
sort ascsort desc
Bowling Green$2,891
Elizabethtown$2,804
Florence$2,262
Frankfort$2,459
Lexington$2,353
Louisville$2,973
Nicholasville$2,316
Owensboro$2,687
Richmond$2,550

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What to know about owning a home in Louisville

If you own a home in Louisville or are thinking about buying one, it’s important to consider what home insurance covers, especially when it comes to the weather.

Recently, multiple tornadoes and extreme flooding hit Louisville, causing significant damage to residential homes and commercial buildings. While standard home insurance typically covers tornadoes, flooding is usually an excluded peril.

Buying a separate flood insurance policy can help protect your home and personal property from potential flood damage. You can get flood insurance through the government-backed National Flood Insurance Program (NFIP) or a private flood insurer.

Additionally, the Louisville metro area has a fairly high rate of break-ins. According to 2019 FBI data, the most recent year for which data is available, there were 26,287 property crimes and 4,316 burglaries in the area that year.[3]

If someone breaks into your home, a standard homeowners policy will pay to replace your stolen personal items and fix structural damage, like a broken window. But if you keep expensive items in your home, you might consider adding scheduled personal property coverage for valuable asset protection.[4]

Louisville home insurance FAQs

If you’re shopping for homeowner insurance in Louisville, here’s some additional information that can be helpful as you compare quotes and insurance companies.

  • The average cost of homeowners coverage in Louisville is $248 per month for a policy with $300,000 in dwelling coverage and a $1,000 deductible. Adding flood insurance or endorsements to your policy will affect the total cost you pay for home insurance.

  • Westfield has the cheapest homeowners insurance quotes in Louisville. The average premium from Westfield is $1,375 per year for $300,000 in dwelling coverage.

  • In Kentucky, the average cost of home insurance coverage on a $500,000 home is $4,008 per year. To compare, the U.S. national average home insurance premium for a $500,000 house is $3,984 per year.

  • The 80% rule in home insurance states that you must insure your home for at least 80% of its replacement cost value to get full coverage if you have a loss. If your home is insured for less than that, your insurance company may not cover the full cost of your claim.

  • It depends. Kentucky law doesn’t require homeowners to carry flood insurance. But if you live in a high-risk flood zone, your mortgage lender might require it. Even if you’re not required to carry flood insurance, it can be a good investment because standard home insurance excludes coverage for flood damage.

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.

Sources

  1. Department of Financial Services. "Homeowners Insurance: Understanding What Affects the Cost of Insurance."
  2. III. "Understanding your insurance deductibles."
  3. Fbi.gov. "FBI — Kentucky."
  4. III. "Special coverage for jewelry and other valuables."
Elizabeth Rivelli
Elizabeth Rivelli

Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com. 

Elizabeth has been a contributor at Insurify since October 2022.

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Sara Getman
Edited bySara GetmanAssociate Editor
Sara Getman
Sara GetmanAssociate Editor

Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.

Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.

Read Editorial Guidelines

View Full Bio

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