Kentucky Homeowners Insurance Coverage

Whether you own a two-story brick home in Louisville or an updated farmhouse near Bowling Green, with a Farmers Smart Plan Home® policy you can choose quality coverage for your Kentucky lifestyle today, with many ways to help you save.

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Is homeowners insurance required in Kentucky?

No, homeowners insurance is not required by law in Kentucky. However, in order to get a home loan, your mortgage lender will likely require you to obtain a certain amount of insurance coverage.

What does homeowners insurance cover in Kentucky?

Every policy is different, but home insurance policies in Kentucky typically come with several standard coverages.

  • Dwelling (Coverage A). This coverage helps you pay for damage to your home from a covered event, such as a fire, windstorm, lightning or hail.

  • Other structures (Coverage B). This coverage is intended to help cover structures that aren’t connected to your home, like a fence or shed.

  • Personal property (Coverage C). This coverage helps you repair or replace your personal belongings if they are stolen or damaged.

  • Loss of use, or additional living expense coverage (Coverage D). This coverage can help you pay to stay somewhere else if your home is uninhabitable due to covered damage.

  • Personal liability (Coverage E). This coverage helps pay for accidental property damage or injuries you cause through negligence.

Typical home insurance policies in Kentucky cover damage caused by events such as:

  • Fire
  • Vandalism and theft
  • Lightning strikes
  • Wind
  • Hail
  • Explosions
  • Falling objects
  • The weight of snow or ice

Flooding, a common risk in parts of Kentucky, is not covered. However, special flood insurance through the National Flood Insurance Program (NFIP) may be available.

Home insurance coverage options in Kentucky

Farmers® gives you multiple options for covering your home and personal property. Within each package, you have the flexibility to adjust coverage types and limits so that your home is covered the way you want.

  • Standard — Reduced coverage for a reduced price
  • Enhanced — Higher coverage limits and extra features 
  • Premier — The highest coverage limits and greatest choice of features

Learn more about Smart Plan Home coverage

Does homeowners insurance cover water damage in Kentucky?

A home insurance policy in Kentucky covers certain types of water damage, but not others. Water damage caused by flooding, a common risk in parts of Kentucky, is not covered, although special flood insurance through the National Flood Insurance Program (NFIP) may be available. Water damage caused by sudden, accidental events like frozen pipes or a broken bathroom fixture may be covered. Read more about the types of water damage that may (or may not) be covered.

How much does homeowners insurance generally cost in Kentucky?

The average premium for home insurance coverage in Kentucky is $1,174 per year1, according to a 2020 report (the most recent data available) by the National Association of Insurance Commissioners (NAIC). That’s less than the national average of $1,311 a year, according to same report. However, insurance costs in most states have changed since then. Also, the amount you pay may be different, depending on things like the value and age of your home, how much personal property you want to cover, what deductible you choose and risks specific to your area.

Kentucky home insurance discounts

Farmers offers a variety of savings opportunities for eligible home insurance customers in Kentucky, including:

  • Multi-policy
  • Protective devices
  • Non-smoker

See more information and additional discounts that may be available in Kentucky.

Northern Cardinal

bird image

Kentucky’s colorful state bird doesn’t like to travel. This species generally spends its entire life within a mile or two of its birthplace. — Birdfact

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Learn From Experience

Read real-life stories about insurance, renovations, home safety and more from pros and homeowners like you.

Why Did My Homeowners Insurance Go Up?

When outside forces — think: inflation, natural disasters, supply chain issues, rising construction costs — impact either (or both) of those factors, it can explain why rates may be increasing. But there are steps you can take to help keep your costs down. 

It Wasn’t a "Natural" Disaster, but This Common Household Fixture Caused More Damage to Their Home Than a 100-Year Flood

The most common type of water damage to homes isn’t caused by hurricanes or floods. It’s caused by the dishwasher, hot water heater and other appliances or plumbing.

Home Warranty vs. Home Insurance Difference

Any home you buy, old or new, will need repairs at some point. For this reason, you can buy home warranties and home insurance. But they can help in very different ways. 

1 Based on average premium for HO-3 type open perils homeowners policies.