Best homeowners insurance in Kentucky for 2022

We looked at average costs, coverage availability, and customer satisfaction ratings to find the best homeowners insurance companies in Kentucky.

Gianetta Palmer

By

Gianetta Palmer

Gianetta Palmer

Freelance contributor

Gianetta Palmer is a freelance writer who lives in the Georgia mountains. Her writing on health and car insurance, has appeared on numerous sites.

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This article has been reviewed by a licensed Policygenius expert to ensure that sources, statistics, and claims meet our standard for accurate and unbiased advice.

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By

Britta M. Moss

Britta M. Moss

Property & casualty claim consultant and expert witness

Britta M. Moss, CPCU, SCLA, AIC-M, has over 25 years of insurance industry experience. In her work as a property and casualty claim consultant, she provides consultation and expert witness services in claim handling standards, practices, and norms.  She has been retained by law firms representing plaintiffs and those representing insurer defendants involved in disputes or litigation regarding coverage analysis, investigation, liability determination, damage evaluation, negotiation and settlement.  She is a graduate of The Ohio State University. 

Updated|6 min read

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Kentucky is known for its love of basketball, bluegrass, and horses, making it a great state to call home. The state enjoys four-season weather and endures its share of tornado activity, meaning residents should have reliable home insurance to protect their homes from damage.

The average cost of homeowners insurance in Kentucky is $2,705 per year or $225 a month. This is around 30% higher than the national average of $1,899. 

Compare home insurance rates in Kentucky

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However, the cost isn’t the only factor to consider when choosing a home insurance company. Not sure what to look for? Policygenius can help you figure out your coverage needs and compare quotes from multiple top companies in Kentucky.  

Best homeowners insurance companies in Kentucky

Of the companies we looked at, State Auto has the lowest home insurance rates in Kentucky, with an average annual policy cost of $1,285 per year — about $1,400 less than the state average. Auto-Owners Insurance has the next lowest average rates at $2,489 per year.

Policygenius analyzed thousands of quotes from the 5 largest Kentucky insurers to find the average cost of homeowners insurance with each company in 2022. We then looked at 2021 J.D. Power customer satisfaction scores and compared that with the coverage needs of Kentucky residents to find the best homeowners insurance in Kentucky.

Company

Average yearly cost

J.D. Power Rating

State Farm

$2,868

835

Kentucky Farm Bureau Insurance

$4,806

--

Allstate

$3,556

829

Auto-Owners Insurance

$2,489

831

State Auto

$1,285

--

State Farm

State Farm logo

There's a reason State Farm is one of the top-rated insurance companies in the U.S. — its customer satisfaction ratings are through the roof, it offers a slew of coverage add-ons for full protection, and makes filing claims through its mobile app a breeze.

Pros

  • Top-tier coverage add-ons, including equipment breakdown, water backup, and service line coverage

  • Get up to $1 million in personal liability coverage

  • Score discounts for bundling, installing security devices, and choosing a high deductible

  • File and track claims online, over the phone, in person, or through its mobile app

  • High customer satisfaction and financial strength ratings

Cons

  • No discounts for first-time homebuyers or going a year without a claim

Why State Farm tops our best list

State Farm is one of the top-rated companies in the home insurance industry. Customers can get up to $1 million in personal liability coverage and choose from other personalized options. File and track claims online through the State Farm website, mobile app, or by calling and speaking to a representative. 

How to get a quote

Online through State Farm

Kentucky Farm Bureau Insurance

Kentucky Farm Bureau Insurance logo

For over 75 years, Kentucky Farm Bureau Insurance has provided Bluegrass State residents with a strong mix of reliable coverage, affordability, and personalized customer service that you can generally expect from local or regional insurance agencies.

Pros

  • High-quality coverage add-ons, including replacement cost personal property, home daycare, and water backup coverage

  • Mobile home and farm coverage available

  • Score discounts for having a newish home or roof, going years without a claim, and installing safety devices

  • Save 20% on your premiums when you bundle your home and auto insurance

  • Low rate of customer complaints

  • Great customer service ratings

Cons

  • Farm Bureau membership required for coverage

  • Can't file claims online — must call and speak to a representative

Why Kentucky Farm Bureau tops our best list

Kentucky Farm Bureau offers excellent customer service with friendly local agents who are committed to helping you find the right protection for your home. Customers can score discounts for having a newer roof, installing security systems, and can also get up to 20% off home and auto insurance by bundling policies.

How to get a quote

Online through Kentucky Farm Bureau

Allstate

Allstate logo

Allstate's mix of exceptional customer satisfaction ratings, personalized coverage options, and numerous discount opportunities make it one of the most popular homeowners insurance companies on the market.

Pros

  • Several coverage add-ons, including ones for roof surfaces, water backup, green improvements, and mold protection

  • 8+ discounts, including autopay, bundling, zero claims, and new homebuyer

  • Get up to 25% off your premiums when you bundle home and auto insurance

  • File and track claims online or through its mobile app

Cons

  • Lower-than-average claim satisfaction and digital experience ratings from J.D. Power

Why Allstate tops our best list

Allstate scored an impressive 829 out of 1,000 in J.D. Power’s 2021 home insurance study, making it one of the most popular companies in the country. Customers can bundle their home and auto insurance policies to earn a 25% discount, and get further discounts by having zero claims and being a new home buyer. 

How to get a quote

Online through Policygenius and Allstate

Auto-Owners Insurance

Auto-Owners Insurance logo

Auto-Owners is the 12th largest home insurance provider in the U.S. thanks to its low rates, numerous discounts, and robust coverage options — including inland flood insurance.

Pros

  • Excellent coverage add-ons, including inland flood insurance, guaranteed replacement cost, and equipment breakdown coverage

  • Flood insurance covers belongings in your basement — a rare find

  • Save on premiums by bundling policies, paying off your mortgage, choosing a high deductible, having a backup generator, and more

Cons

  • Can't file claims online — you must call or visit an agent to get started

Why Auto-Owners tops our best list

Auto-Owners Insurance offers a complete line of insurance products, including inland flood insurance, which is a type of coverage not usually found with other insurance providers. Customers can save on home insurance by bundling home and auto policies, choosing a high deductible, and paying off their mortgage.

How to get a quote

Online through Auto-Owners

State Auto

State Auto logo

With impressive policy add-ons — including increased property coverage if you WFH and home-sharing coverage for Airbnbers — along with a slew of discount opps, we're not surprised State Auto is one of the most popular home insurance carriers in Kentucky.

Pros

  • Excellent policy add-ons, including personal injury protection, equipment breakdown coverage, increased limits for business property coverage, and more

  • Expanded replacement cost coverage for your home and belongings available

  • Offers home-sharing coverage if your rent out a room or your whole house on Airbnb

  • Score discounts for bundling, having a newer home or roof, getting a quote in advance, and more

  • File and track claims online

  • Low rate of customer complaints

Cons

  • Best coverage features are only available in the higher-priced product tiers

Why State Auto tops our best list

Of the companies we looked at, State Auto had the cheapest home insurance rates in Kentucky.  Throw in excellent coverage add-ons like personal injury protection, equipment breakdown coverage, and discounts for bundling home and insurance policies and getting a quote in advance. It’s no wonder State Auto is a favorite of Kentucky residents.

How to get a quote

Online through Policygenius or State Auto

Cheapest homeowners insurance companies by city in Kentucky

Looking at average home insurance costs for the 15 most popular insurers in Kentucky, we found that the cheapest homeowners insurance companies in the state are State Auto, Auto-Owners Insurance, and State Farm.

The average State Auto rate in Lexington is $921 per year — over $1,800 less than the state average.

City

Company

Average yearly cost

Aberdeen

State Auto

$1,167

Adairville

State Auto

$1,118

Adams

State Auto

$1,278

Adolphus

State Auto

$1,163

Ages Brookside

State Auto

$1,486

Albany

State Auto

$1,298

Alexandria

State Auto

$953

Allen

State Auto

$1,508

Compare home insurance rates in Kentucky

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Shopping for homeowners insurance in Kentucky

Shopping for home insurance in Kentucky can be confusing because of the many options to choose from. No matter where you live in the state — from the eastern coal mine region down to Louisville and all along the Ohio River — Policygenius will help you find a policy that suits your home insurance needs.

In this section, we break down the average annual home insurance rates in Kentucky for different coverage and deductible levels, as well as the cheapest and most expensive home insurance companies for dog and pool owners.

Kentucky home insurance costs by coverage amounts

Dwelling coverage is the section of your homeowners policy that pays to repair or replace your home after a covered loss.

With average Kentucky home prices in the upper $100,000 range, homes with dwelling coverage limits of $100,000 to $200,000 can expect to pay $111 to $166 each month for home insurance.

Dwelling coverage amount

Average yearly cost

$100,000

$1,327

$200,000

$1,996

$300,000

$2,705

$400,000

$3,478

$500,000

$4,292

Personal liability coverage is the portion of your home insurance policy that pays for the medical, legal, or repair bills if someone is injured or their property is damaged and you’re found responsible. 

Liability coverage amount

Average yearly cost

$100,000

$2,695

$200,000

$2,771

$300,000

$2,705

$400,000

$2,853

$500,000

$2,682

Kentucky home insurance costs by deductible amount

Your deductible is the amount you’re responsible for paying your insurance company before they reimburse you for a claim. A lower deductible means higher overall monthly payments, but lower out-of-pocket expenses for a covered claim.

As you can see in the table below, Kentucky residents can save around $190 on home insurance by choosing a $1,000 deductible over the $2,000 option.

Deductible amount

Average yearly cost

$500

$2,853

$1,000

$2,705

$2,000

$2,897

Home insurance discounts in Kentucky

Some insurance companies offer discounts to homeowners if their homes have certain security features like deadbolt locks, smoke detectors, and home security systems. Although there isn’t a large discount for homeowners in Kentucky for these features, having them added to your home can help protect you and your family.

Discount

Average yearly cost

Dead bolt

$2,705

Smoke alarm

$2,702

Burglar alarm

$2,620

Home insurance companies in Kentucky for dog owners

Pet ownership is more than just feeding and taking your dog for walks. It’s also being a responsible pet owner and making sure your dog is on a leash and contained when around unfamiliar people. Some insurers charge higher rates for certain aggressive breeds and could even deny you coverage altogether if you own one.

With an average rate of $1,285 per year, State Auto has the cheapest home insurance rates in Kentucky for a home with a dangerous dog breed, while Kentucky Farm Bureau's average yearly rate is almost $4,806.

Company

Average yearly cost

State Auto

$1,285

Auto-Owners Insurance

$2,489

State Farm

$2,868

Allstate

$3,556

Kentucky Farm Bureau Insurance

$4,806

Home insurance companies in Kentucky for poor credit

Some insurance companies consider a poor credit score to be an indicator of risky behavior and an increased risk of filing an insurance claim, so many charge higher rates as a result. This means a few late payments could cost you more than just a late payment fee, but thousands more in higher insurance rates.

With an average rate of $4,926 per year, State Farm has the cheapest home insurance rates in Kentucky for a homeowner with poor credit. Meanwhile, Auto-Owners Insurance rates are the highest of the providers we analyzed, with a $20,821 yearly rate.

Company

Average yearly cost

State Farm

$4,926

Allstate

$5,073

State Auto

$5,133

Kentucky Farm Bureau Insurance

$5,299

Auto-Owners Insurance

$20,821

Home insurance companies in Kentucky for pool owners

Home insurance rates are higher for those with a swimming pool. Some insurance companies consider swimming pools as a liability risk, meaning there’s an increased likelihood of claims.

With an average rate of $1,285 per year, State Auto has the cheapest home insurance rates for Kentucky homes that have a swimming pool, while Kentucky Farm Bureau has the most expensive rates at $4,806 per year.

Company

Average yearly cost

State Auto

$1,285

Auto-Owners Insurance

$2,489

State Farm

$2,868

Allstate

$3,556

Kentucky Farm Bureau Insurance

$4,806

How to buy homeowners insurance in Kentucky

We’ve rounded up our top five favorite tips to show you how easy it is to buy homeowners insurance in Kentucky. We can help you find the best solution that works for your home insurance needs.

  1. Reach out to a licensed Policygenius agent. Our team of experienced agents can help you find affordable quotes tailored to your budget and needs — at no cost or obligation to you.

  2. Ask if you should purchase flood insurance. With its location along the Ohio River, flooding has been a real issue for some Kentucky residents. If you live near a flood-prone area, ask a Policygenius agent about adding flood insurance to your coverage package.

  3. Figure out how much you can pay for your deductible.A higher deductible means you’ll pay less upfront for your home insurance, but more when it's time to file a claim. A Policygenius agent can help you pick out a deductible that works within your budget.

  4. Compare quotes from a Policygenius agent.Once you’ve identified your coverage needs, limits, and deductibles, a Policygenius agent will send over quotes from top companies so you can review them in the comfort of your home.

  5. Sign the policy, and pay your first premium. After you’ve settled on the company and policy that works best for you, Policygenius will handle all of the paperwork for you. All you have to do is sign the policy and pay your first premium.

Compare home insurance rates in Kentucky

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Frequently asked questions

What is the average home insurance cost in Kentucky?

The average home insurance rate in Kentucky is about $2,705 per year, or $225 a month. That’s about $67 more per month than the national average.

Do you need tornado insurance in Kentucky?

Tornadoes are classified as windstorms in your home insurance policy, so you generally won’t need separate coverage to protect against tornado damage. An adequate homeowners policy can ensure you and your family are protected in the event that severe weather strikes.

How can I lower my homeowners insurance in Kentucky?

The quickest way to lower the cost of your home insurance is by comparing quotes from several companies based on your coverage needs, limits, and how much of a deductible you can afford. Once you’ve reviewed your options, ask about any discounts, and pick the best policy that works best for you.

What if I'm denied home insurance coverage in Kentucky?

If you're denied home insurance coverage on the standard market due to your claims history, where you live, or other factors that make you high risk to insure, you should look into home insurance coverage through the Kentucky FAIR Plan. This is a state-mandated insurance program that offers coverage to Kentucky homeowners who've struggled to find a home insurance policy elsewhere.

Methodology

Policygenius has analyzed home insurance rates provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C., for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:

  • Dwelling: $300,000

  • Other structures: $30,000

  • Personal property: $150,000

  • Loss of use: $60,000

  • Liability: $300,000

  • Medical: $1,000

All rates based on the above coverage limits except where otherwise noted.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

Author

Freelance contributor

Gianetta Palmer

Freelance contributor

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Gianetta Palmer is a freelance writer who lives in the Georgia mountains. Her writing on health and car insurance, has appeared on numerous sites.

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