Kentucky Renters Insurance

Whether you rent an apartment in Lexington or a two-bedroom home in the Louisville suburbs, renters insurance in Kentucky can help you repair or replace your personal belongings if they’re damaged or stolen.

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How much does renters insurance generally cost in Kentucky?

Renters insurance in Kentucky can cost as little as $15 a month (or $175 per year) for around $35,0001 in coverage, about the same as the national average, according to 2021 data (the most recent available) from the National Association of Insurance Commissioners (NAIC). Keep in mind that insurance premiums in most states have changed since then. Also, your cost may be different, depending on things like how much personal property you want to cover, what deductible you choose and risks specific to your location.

What does Kentucky renters insurance typically cover?

Typically, renters insurance policies in Kentucky can provide coverage against damage to or loss of personal belongings if 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 Kentucky — is not covered, but special flood insurance through the National Flood Insurance Program (NFIP) may be available for renters. 

Is renters insurance required in Kentucky?

No state laws require you to have renters insurance in Kentucky. However, landlords can require you to have a renters policy as part of a lease agreement. It may help pay for another person’s medical bills or repairs to their property if you’re found legally responsible for their injuries or property damage. Renters liability coverage may also help cover your legal expenses if you’re sued over an incident that occurs in the place you’re renting. Keep in mind that your landlord’s insurance provides coverage for the building itself, but this likely does not include your personal belongings.


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Kentucky’s official state flower is one species among more than 100 in the Solidago family, whose name derives from the Latin for “make whole” and refers to the plant’s many uses in traditional medicine. — Missouri Botanical Garden

More coverage options in Kentucky

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Learn From Experience

Do you have more questions about renters insurance? We have answers.

Would Renters Insurance Be Worth It if I Don't Own Much?

Even though you’re just getting started, your personal possessions are probably worth more than you realize. Now imagine you have to run out and replace everything at today’s prices. That’s going to be a very expensive shopping trip — unless you have renters insurance to help cover the cost.

Does Renters Insurance Cover Theft?

Your renters policy helps cover the contents of your apartment for a number of perils — including theft. If someone walks off with your laptop or sound system, your policy can help cover the cost to go out and buy a new one.

Blackouts Can End in a Blink. What Happens When the Lights Are Out for Days or Weeks?

A blizzard left one couple and their newborn with no heat, lights or food — for days. A hurricane plunged a Texas family into the dark for two weeks, and back-to-back storms had New Jersey homeowners bailing out a basement for 22 days. They talk about how they survived and what they’re doing to be ready when the next blackout hits.

1 Estimate is based on HO-4 policy with coverage of $32,000 to $37,999.