Best Kentucky Homeowners Insurance for 2026
State Farm has the best homeowners insurance in Kentucky overall because of its low rates, add-on options and bundling potential
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- State Farm is the best homeowners insurance company in Kentucky, thanks to its good coverage options and low rates that can get even lower with bundling.
- In Kentucky, homeowners insurance costs an average of $3,495 a year, nearly 33% higher than the national average.
- Kentucky’s high homeowners insurance rates are in part caused by a recent wave of damaging weather, including tornadoes.
Best homeowners insurance in Kentucky
The best homeowners insurance company in Kentucky is State Farm. It has a long list of coverage options as well as the second-lowest average home insurance rates in the state. Plus, if KY homeowners get State Farm’s already-low car insurance, they can get even more of a discount by bundling both.
Allstate is the cheapest homeowners insurance company in Kentucky. Its average annual rate is $2,114, about 40% lower than the state average of $3,495.
Cincinnati is more expensive, but it has the best customer service in the state. It receives about 80% fewer customer complaints than average, according to the National Association of Insurance Commissioners (NAIC).
Best overall home insurance in Kentucky: State Farm
Average annual rate: $2,256
Why we chose it: While not as cheap as Allstate, State Farm’s average home insurance rates are still much lower than the state average. Its car insurance premiums are lower too. That could mean big savings if you bundle the policies. And with State Farm, you don’t have to compromise on coverage either. Its add-ons include water backup, a special limit for water damage and more.
Who it’s best for: State Farm is best for most Kentucky homeowners, especially those who are interested in bundling with their car insurance. However, if customer service is the most important thing to you, the savings might not be worth it. State Farm receives around 40% more complaints than average, according to the NAIC.
PROS
- Competitive rates
- Lots of add-ons
- Free fire monitoring service
CONS
- More NAIC complaints than average
- Fewer discounts than some
Best cheap home insurance in Kentucky: Allstate
Average annual rate: $2,114
Why we chose it: Allstate offers the cheapest homeowners insurance coverage in Kentucky, and it doesn’t skimp on add-ons. Plus, it has plenty of potential discount opportunities, which can lower your rates even more.
Who it’s best for: Allstate is best for Kentucky homeowners who are looking for value. Its premiums are about 40% lower than the state average. But like many larger insurance companies, Allstate’s customer service may be lacking. It gets about 20% more complaints than average (but still fares better than State Farm).
PROS
- Lowest premiums in the state
- Discounts for paying on time, e-Policy and more
CONS
- Higher-than-average number of complaints
- No discounts for new homes
Best for customer service: Cincinnati
Average annual rate: $3,443
Why we chose it: Cincinnati gets the lowest number of complaints by far of all the carriers on this list. Fewer complaints mean happier policyholders.
Who it’s best for: Cincinnati is a solid choice for Kentucky homeowners who don’t mind paying extra for great customer service. Its rates are substantially higher than Allstate and State Farm, but they’re still slightly lower than the state average of $3,495.
PROS
- Significantly lower-than-average complaint score
- Discounts on water shut-off devices
CONS
- No online quotes
- Only slightly lower-than-average rates
Compare home insurance rates and ratings in Kentucky
Every insurance company has a different way of calculating rates. You could get dramatically different quotes from one company to the next. Comparing multiple quotes can help you find coverage that makes sense at a price you can afford.
| Company | Average annual rate * | LendingTree rating | Complaint rating* | |
|---|---|---|---|---|
| Allstate | $2,114 | 4/5 | 1.2 |
| State Farm | $2,256 | 4/5 | 1.4 |
 | Westfield | $3,190 | 4/5 | 0.5 |
| Cincinnati | $3,443 | 4/5 | 0.2 |
 | Progressive | $4,133 |  3.5/5 | 1.8 |
 | Auto-Owners | $4,244 | 4/5 | 0.5 |
 | Grange | $5,084 |  3/5 | 0.6 |
LendingTree analyzed thousands of quotes from top insurers across Kentucky to identify the best options for homeowners.
Our team evaluated pricing, customer experience, financial reliability and coverage features to determine the top home insurance companies in the state.
See full methodology.
How much is homeowners insurance in Kentucky?
The average cost of home insurance in Kentucky is $3,495, or $291 a month.
Homeowners insurance rates in Kentucky are 33% higher than the national average of $2,628. Kentucky’s expensive homeowners insurance premiums are partly due to the state’s unpredictable and often devastating weather events.
Average home insurance rates by dwelling coverage amount
Insurance premiums depend on many factors, and the type of coverage you choose is a major one. Dwelling coverage (also called Coverage A) helps pay to repair, rebuild or replace your home after a covered claim.
How much dwelling coverage you need depends on how much it would cost to replace your home, not its current market value.
Any insurance company you speak to should be able to help you estimate the amount of coverage you need based on your home’s features, location and more.
| Company | $300,000 | $400,000 | $550,000 | $750,000 |
|---|---|---|---|---|
| Allstate | $1,536 | $2,114 | $2,671 | $3,152 |
| State Farm | $1,931 | $2,256 | $3,079 | $4,372 |
| Cincinnatti | $2,745 | $3,443 | $4,218 | $5,416 |
| State average | $2,863 | $3,495 | $4,352 | $5,562 |
Home insurance rates in Kentucky by city
Where you live in Kentucky plays a part in how much you’ll end up paying for homeowners insurance. Insurance companies look at factors like home value, property crime rates and weather which can lead to a lot of variation in rates amongst cities.
Residents of Fort Thomas and Elsmere, both of which are located near the border with Cincinnati, pay the cheapest premiums in the state. In Fort Thomas, homeowners insurance costs an average of $2,545 a year. Elsmere is slightly higher, at $2,577.
Grand Rivers and Salem are the most expensive cities in Kentucky for home insurance, with rates averaging at $5,321 and $5,296 a year, respectively. Grand Rivers’ location along the Cumberland River can experience flash flooding, which may contribute to its elevated rates.
| City | Annual Rate |
|---|---|
| Aberdeen | $3,785 |
| Adairville | $3,825 |
| Adams | $4,118 |
| Adolphus | $3,583 |
| Ages Brookside | $3,943 |
| Albany | $3,476 |
| Alexandria | $2,602 |
| Allen | $4,303 |
| Allensville | $3,788 |
| Almo | $4,290 |
| Alpha | $3,452 |
| Alvaton | $3,449 |
| Anchorage | $3,063 |
| Annville | $3,670 |
| Argillite | $3,029 |
| Arjay | $3,830 |
| Arlington | $4,947 |
| Artemus | $3,567 |
| Ary | $4,169 |
| Ashcamp | $4,185 |
| Asher | $3,817 |
| Ashland | $2,917 |
| Auburn | $3,913 |
| Audubon Park | $3,454 |
| Augusta | $2,935 |
| Austin | $3,601 |
| Auxier | $4,363 |
| Avawam | $3,756 |
| Bagdad | $3,239 |
| Bandana | $4,771 |
| Banner | $4,322 |
| Barbourville | $3,526 |
| Bardstown | $3,215 |
| Bardwell | $4,969 |
| Barlow | $4,813 |
| Baskett | $3,895 |
| Battletown | $3,549 |
| Baxter | $3,938 |
| Bays | $3,919 |
| Bear Branch | $4,494 |
| Beattyville | $4,206 |
| Beaumont | $3,560 |
| Beauty | $4,211 |
| Beaver | $4,313 |
| Beaver Dam | $3,766 |
| Bedford | $3,301 |
| Bee Spring | $3,745 |
| Beech Creek | $4,071 |
| Beech Grove | $4,106 |
| Beechmont | $3,864 |
| Beechwood Village | $3,097 |
| Belcher | $4,170 |
| Belfry | $4,210 |
| Bellefonte | $2,944 |
| Bellemeade | $3,155 |
| Bellevue | $2,702 |
| Bellewood | $3,102 |
| Belton | $4,075 |
| Benham | $3,902 |
| Benton | $4,346 |
| Berea | $2,854 |
| Berry | $3,022 |
| Bethelridge | $3,261 |
| Bethlehem | $3,282 |
| Betsy Layne | $4,287 |
| Beverly | $3,846 |
| Bevinsville | $4,299 |
| Big Clifty | $3,591 |
| Big Creek | $4,325 |
| Big Laurel | $4,393 |
| Bighill | $2,897 |
| Bimble | $3,587 |
| Blackey | $4,345 |
| Blaine | $4,233 |
| Bledsoe | $3,955 |
| Bloomfield | $3,259 |
| Blue Ridge Manor | $3,054 |
| Blue River | $4,372 |
| Boaz | $4,731 |
| Bonnieville | $3,761 |
| Bonnyman | $4,306 |
| Booneville | $4,460 |
| Boons Camp | $4,124 |
| Boston | $3,275 |
| Bowling Green | $3,381 |
| Bradfordsville | $3,256 |
| Brandenburg | $3,552 |
| Breckinridge Center | $5,074 |
| Breeding | $3,331 |
| Bremen | $3,885 |
| Briarwood | $3,123 |
| Brodhead | $3,359 |
| Bronston | $3,381 |
| Brooks | $3,304 |
| Brooksville | $3,091 |
| Browder | $3,779 |
| Brownsboro Farm | $3,047 |
| Brownsville | $3,725 |
| Bryants Store | $3,598 |
| Buckhorn | $4,356 |
| Buckner | $3,188 |
| Buffalo | $3,511 |
| Bulan | $4,246 |
| Burdine | $3,885 |
| Burgin | $2,969 |
| Burkesville | $3,466 |
| Burlington | $2,757 |
| Burna | $5,157 |
| Burnside | $3,411 |
| Busy | $4,225 |
| Butler | $2,952 |
| Bypro | $4,331 |
| Cadiz | $3,944 |
| Calhoun | $4,114 |
| California | $2,731 |
| Calvert City | $4,259 |
| Calvin | $3,647 |
| Camargo | $3,113 |
| Cambridge | $3,172 |
| Campbellsburg | $3,344 |
| Campbellsville | $3,404 |
| Campton | $4,391 |
| Canada | $4,193 |
| Caneyville | $3,792 |
| Canmer | $3,752 |
| Cannel City | $3,691 |
| Cannon | $3,502 |
| Carlisle | $3,276 |
| Carrie | $4,260 |
| Carrollton | $3,205 |
| Catlettsburg | $3,009 |
| Cave City | $3,483 |
| Cawood | $3,928 |
| Cecilia | $3,312 |
| Center | $3,485 |
| Centertown | $4,025 |
| Central City | $3,652 |
| Cerulean | $3,642 |
| Chaplin | $3,220 |
| Chappell | $4,400 |
| Chavies | $4,229 |
| Clarkson | $3,578 |
| Claryville | $2,611 |
| Clay | $4,408 |
| Clay City | $3,272 |
| Clayhole | $4,240 |
| Clearfield | $3,300 |
| Cleaton | $3,753 |
| Clermont | $3,545 |
| Clifty | $3,608 |
| Clinton | $5,009 |
| Closplint | $3,958 |
| Cloverport | $3,764 |
| Coalgood | $3,921 |
| Cold Spring | $2,628 |
| Coldiron | $3,958 |
| Coldstream | $3,083 |
| Columbia | $3,237 |
| Columbus | $4,747 |
| Combs | $4,199 |
| Corbin | $3,563 |
| Corinth | $3,049 |
| Cornettsville | $4,231 |
| Corydon | $3,985 |
| Covington | $2,665 |
| Coxs Creek | $3,228 |
| Crab Orchard | $3,232 |
| Cranks | $3,949 |
| Crayne | $4,580 |
| Crestview | $2,634 |
| Crestview Hills | $2,591 |
| Crestwood | $3,104 |
| Crittenden | $3,001 |
| Crockett | $3,732 |
| Crofton | $3,745 |
| Cromona | $3,844 |
| Cromwell | $3,848 |
| Cub Run | $3,988 |
| Cumberland | $3,987 |
| Cunningham | $4,879 |
| Curdsville | $3,260 |
| Custer | $3,638 |
| Cynthiana | $3,015 |
| Dana | $4,209 |
| Danville | $3,100 |
| David | $4,437 |
| Dawson Springs | $3,798 |
| Dayhoit | $3,934 |
| Dayton | $2,617 |
| De Mossville | $2,974 |
| Deane | $4,330 |
| Debord | $4,338 |
| Delphia | $4,207 |
| Dema | $4,307 |
| Denniston | $4,167 |
| Denton | $3,388 |
| Dexter | $4,342 |
| Dixon | $4,472 |
| Doe Valley | $3,550 |
| Douglass Hills | $3,053 |
| Dover | $2,950 |
| Drake | $3,375 |
| Drakesboro | $3,954 |
| Drift | $4,345 |
| Druid Hills | $3,102 |
| Dry Ridge | $2,997 |
| Dubre | $3,298 |
| Dunbar | $3,978 |
| Dundee | $3,801 |
| Dunmor | $3,844 |
| Dunnville | $3,374 |
| Dwale | $4,215 |
| Dwarf | $3,783 |
| Dycusburg | $4,538 |
| Earlington | $3,681 |
| East Bernstadt | $3,857 |
| East Point | $4,392 |
| Eastern | $4,243 |
| Eastview | $3,340 |
| Eastwood | $3,226 |
| Eddyville | $4,558 |
| Edgewood | $2,587 |
| Edmonton | $3,563 |
| Eighty Eight | $3,470 |
| Ekron | $3,611 |
| Elizabethtown | $3,122 |
| Elizaville | $3,470 |
| Elk Creek | $3,269 |
| Elk Horn | $3,550 |
| Elkfork | $3,585 |
| Elkhorn City | $4,199 |
| Elkton | $3,721 |
| Elliottville | $3,553 |
| Elsmere | $2,577 |
| Emerson | $3,436 |
| Eminence | $3,354 |
| Emlyn | $3,791 |
| Emmalena | $4,237 |
| Eolia | $4,257 |
| Erlanger | $2,583 |
| Ermine | $4,257 |
| Essie | $4,338 |
| Etoile | $3,540 |
| Eubank | $3,274 |
| Evarts | $3,939 |
| Ewing | $3,233 |
| Ezel | $3,598 |
| Fairdale | $3,456 |
| Fairfield | $3,211 |
| Fairview | $3,662 |
| Falcon | $3,926 |
| Fall Rock | $3,893 |
| Falls Of Rough | $3,807 |
| Falmouth | $3,074 |
| Fancy Farm | $4,633 |
| Farley | $4,596 |
| Farmers | $3,538 |
| Farmington | $4,731 |
| Fedscreek | $4,202 |
| Ferguson | $3,345 |
| Fincastle | $3,048 |
| Finchville | $3,290 |
| Fisherville | $3,270 |
| Fisty | $3,794 |
| Flat Lick | $3,581 |
| Flatgap | $4,135 |
| Flatwoods | $2,904 |
| Flemingsburg | $3,269 |
| Florence | $2,613 |
| Fords Branch | $3,663 |
| Fordsville | $3,852 |
| Forest Hills | $4,235 |
| Fort Campbell North | $3,617 |
| Fort Knox | $3,255 |
| Fort Mitchell | $2,605 |
| Fort Thomas | $2,545 |
| Fort Wright | $2,641 |
| Foster | $3,012 |
| Fountain Run | $3,579 |
| Fourmile | $3,736 |
| Fox Chase | $3,257 |
| Frakes | $3,854 |
| Francisville | $2,665 |
| Frankfort | $2,942 |
| Franklin | $3,592 |
| Fredonia | $4,094 |
| Freeburn | $4,179 |
| Frenchburg | $4,049 |
| Fulton | $5,080 |
| Gamaliel | $3,534 |
| Garfield | $3,633 |
| Garner | $4,354 |
| Garrard | $3,948 |
| Garrett | $4,309 |
| Garrison | $3,394 |
| Gays Creek | $4,343 |
| Georgetown | $2,712 |
| Germantown | $2,896 |
| Ghent | $3,268 |
| Gilbertsville | $4,334 |
| Girdler | $3,583 |
| Glasgow | $3,429 |
| Glencoe | $3,113 |
| Glendale | $3,193 |
| Glens Fork | $3,400 |
| Glenview | $3,164 |
| Goose Creek | $3,121 |
| Goose Rock | $3,908 |
| Gordon | $4,331 |
| Goshen | $3,127 |
| Gracey | $3,718 |
| Gradyville | $3,283 |
| Graham | $3,858 |
| Grand Rivers | $5,321 |
| Gravel Switch | $3,189 |
| Gray | $3,506 |
| Gray Hawk | $3,367 |
| Graymoor-Devondale | $3,157 |
| Grays Knob | $3,967 |
| Grayson | $3,113 |
| Green Road | $3,639 |
| Greensburg | $3,451 |
| Greenup | $2,991 |
| Greenville | $3,704 |
| Grethel | $4,331 |
| Gulston | $3,919 |
| Gunlock | $4,426 |
| Guston | $3,725 |
| Guthrie | $3,932 |
| Hagerhill | $4,217 |
| Hallie | $4,327 |
| Hampton | $5,287 |
| Hanson | $3,882 |
| Happy | $4,236 |
| Hardin | $4,276 |
| Hardinsburg | $3,767 |
| Hardy | $4,135 |
| Hardyville | $3,814 |
| Harlan | $3,933 |
| Harned | $3,710 |
| Harold | $4,299 |
| Harrods Creek | $3,245 |
| Harrodsburg | $3,040 |
| Hartford | $3,638 |
| Hawesville | $3,713 |
| Hazard | $4,229 |
| Hazel | $4,292 |
| Hazel Green | $4,084 |
| Hebron | $2,668 |
| Hebron Estates | $3,273 |
| Heidrick | $3,540 |
| Hellier | $4,166 |
| Helton | $4,342 |
| Henderson | $3,658 |
| Hendron | $4,588 |
| Heritage Creek | $3,291 |
| Herndon | $3,660 |
| Hestand | $3,477 |
| Hi Hat | $4,338 |
| Hickman | $4,891 |
| Hickory | $4,770 |
| Highland Heights | $2,635 |
| Hillsboro | $3,314 |
| Hillview | $3,245 |
| Hima | $3,961 |
| Hindman | $4,415 |
| Hinkle | $3,568 |
| Hitchins | $3,310 |
| Hodgenville | $3,506 |
| Holland | $3,583 |
| Holmes Mill | $3,865 |
| Hope | $3,544 |
| Hopkinsville | $3,650 |
| Horse Branch | $3,860 |
| Horse Cave | $3,676 |
| Hoskinston | $3,702 |
| Houston Acres | $3,183 |
| Huddy | $4,167 |
| Hudson | $3,608 |
| Hueysville | $4,345 |
| Hulen | $3,773 |
| Hurstbourne | $3,155 |
| Hurstbourne Acres | $3,183 |
| Hustonville | $3,247 |
| Hyden | $4,473 |
| Independence | $2,599 |
| Inez | $4,183 |
| Ingram | $3,774 |
| Irvine | $3,550 |
| Irvington | $3,602 |
| Island | $4,342 |
| Isom | $4,286 |
| Isonville | $3,451 |
| Ivel | $4,274 |
| Jackhorn | $4,368 |
| Jackson | $4,414 |
| Jamestown | $3,400 |
| Jeff | $4,298 |
| Jeffersontown | $3,129 |
| Jeffersonville | $3,172 |
| Jenkins | $4,373 |
| Jeremiah | $4,289 |
| Jetson | $3,994 |
| Jonancy | $3,825 |
| Jonesville | $3,107 |
| Junction City | $3,141 |
| Keaton | $4,030 |
| Keavy | $3,722 |
| Kenton | $2,823 |
| Kenvir | $3,919 |
| Kettle Island | $3,675 |
| Kevil | $4,542 |
| Kimper | $4,155 |
| Kings Mountain | $3,332 |
| Kirksey | $4,416 |
| Kite | $4,351 |
| Knifley | $3,307 |
| Knob Lick | $3,398 |
| Krypton | $4,177 |
| Kuttawa | $4,627 |
| La Center | $4,718 |
| La Fayette | $3,654 |
| La Grange | $3,185 |
| Lackey | $4,277 |
| Lakeside Park | $2,591 |
| Lancaster | $3,101 |
| Langdon Place | $3,084 |
| Langley | $4,267 |
| Latonia | $2,651 |
| Lawrenceburg | $3,073 |
| Lebanon | $3,287 |
| Lebanon Junction | $3,367 |
| Leburn | $4,391 |
| Ledbetter | $5,260 |
| Leitchfield | $3,594 |
| Lejunior | $3,412 |
| Letcher | $4,349 |
| Lewisburg | $4,028 |
| Lewisport | $3,687 |
| Lexington | $2,686 |
| Liberty | $3,324 |
| Lick Creek | $4,207 |
| Lily | $3,756 |
| Linefork | $4,297 |
| Littcarr | $4,547 |
| Livermore | $4,174 |
| Livingston | $3,447 |
| Lockport | $3,209 |
| London | $3,733 |
| Lone | $3,661 |
| Lookout | $3,765 |
| Loretto | $3,284 |
| Lost Creek | $4,278 |
| Louisa | $4,154 |
| Louisville | $3,349 |
| Lovelaceville | $4,751 |
| Lovely | $4,151 |
| Lowes | $4,463 |
| Lowmansville | $4,208 |
| Loyall | $3,428 |
| Lucas | $3,493 |
| Ludlow | $2,746 |
| Lynch | $3,874 |
| Lyndon | $3,142 |
| Lynnview | $3,488 |
| Lynnville | $4,536 |
| Maceo | $3,352 |
| Mackville | $3,366 |
| Madisonville | $3,591 |
| Magnolia | $3,636 |
| Majestic | $4,183 |
| Mallie | $4,299 |
| Malone | $3,560 |
| Mammoth Cave National Park | $3,650 |
| Manchester | $4,441 |
| Manitou | $3,833 |
| Maple Mount | $3,249 |
| Marion | $4,582 |
| Marrowbone | $3,420 |
| Marshes Siding | $3,903 |
| Martha | $4,202 |
| Martin | $4,325 |
| Mary Alice | $4,010 |
| Mason | $2,957 |
| Masonic Home | $3,280 |
| Masonville | $3,389 |
| Massac | $4,529 |
| Mayfield | $4,810 |
| Mayking | $4,265 |
| Mayslick | $2,954 |
| Maysville | $2,944 |
| Mazie | $3,760 |
| Mc Andrews | $4,174 |
| Mc Carr | $4,251 |
| Mc Daniels | $3,724 |
| Mc Dowell | $4,319 |
| Mc Henry | $3,815 |
| Mc Kee | $3,594 |
| Mc Kinney | $3,493 |
| Mc Quady | $3,703 |
| McRoberts | $4,348 |
| Meadow Vale | $3,124 |
| Meally | $4,161 |
| Means | $4,014 |
| Melber | $4,657 |
| Melbourne | $2,662 |
| Melvin | $4,351 |
| Middleburg | $3,328 |
| Middlesborough | $3,724 |
| Middletown | $3,060 |
| Midway | $2,856 |
| Milburn | $4,665 |
| Milford | $3,204 |
| Millersburg | $2,905 |
| Millstone | $4,271 |
| Millwood | $3,527 |
| Milton | $3,360 |
| Minerva | $2,983 |
| Minnie | $3,791 |
| Miracle | $3,661 |
| Mistletoe | $4,293 |
| Mitchellsburg | $3,268 |
| Mize | $3,501 |
| Monticello | $3,549 |
| Moorefield | $3,335 |
| Moorland | $3,060 |
| Morehead | $3,244 |
| Morganfield | $5,096 |
| Morgantown | $4,092 |
| Morning View | $2,743 |
| Mortons Gap | $3,672 |
| Mount Eden | $3,303 |
| Mount Hermon | $3,440 |
| Mount Olivet | $3,270 |
| Mount Sherman | $3,538 |
| Mount Sterling | $3,072 |
| Mount Vernon | $3,470 |
| Mount Washington | $3,116 |
| Mousie | $4,372 |
| Mouthcard | $4,161 |
| Mozelle | $4,375 |
| Muldraugh | $3,426 |
| Munfordville | $3,675 |
| Murray | $4,260 |
| Muses Mills | $3,480 |
| Myra | $3,742 |
| Nancy | $3,266 |
| Nazareth | $3,302 |
| Nebo | $3,817 |
| Neon | $4,397 |
| Nerinx | $3,282 |
| New Castle | $3,356 |
| New Concord | $4,339 |
| New Haven | $3,291 |
| New Hope | $3,268 |
| New Liberty | $3,086 |
| Newport | $2,731 |
| Nicholasville | $2,731 |
| Norbourne Estates | $3,090 |
| North Corbin | $3,581 |
| North Middletown | $2,924 |
| Northfield | $3,154 |
| Nortonville | $3,768 |
| Oak Grove | $3,645 |
| Oakbrook | $2,611 |
| Oakland | $3,570 |
| Oil Springs | $4,161 |
| Olaton | $3,939 |
| Old Brownsboro Place | $3,115 |
| Olive Hill | $3,324 |
| Olmstead | $3,898 |
| Olympia | $3,543 |
| Oneida | $4,552 |
| Orchard Grass Hills | $3,101 |
| Orlando | $3,544 |
| Owensboro | $3,157 |
| Owenton | $3,160 |
| Owingsville | $3,408 |
| Paducah | $4,560 |
| Paint Lick | $3,041 |
| Paintsville | $4,167 |
| Paris | $2,856 |
| Park City | $3,560 |
| Park Hills | $2,638 |
| Parkers Lake | $3,786 |
| Parksville | $3,279 |
| Parkway Village | $3,373 |
| Partridge | $4,273 |
| Pathfork | $4,001 |
| Payneville | $3,571 |
| Pembroke | $3,734 |
| Pendleton | $3,290 |
| Perry Park | $3,192 |
| Perryville | $3,186 |
| Petersburg | $2,730 |
| Pewee Valley | $3,120 |
| Phelps | $4,153 |
| Philpot | $3,364 |
| Phyllis | $4,215 |
| Pikeville | $4,162 |
| Pilgrim | $4,141 |
| Pine Knot | $3,865 |
| Pine Ridge | $4,115 |
| Pine Top | $4,300 |
| Pineville | $3,744 |
| Pinsonfork | $4,157 |
| Pioneer Village | $3,251 |
| Pippa Passes | $4,427 |
| Pittsburg | $3,657 |
| Plano | $3,326 |
| Pleasureville | $3,295 |
| Plummers Landing | $3,442 |
| Poole | $4,314 |
| Port Royal | $3,382 |
| Powderly | $3,891 |
| Premium | $4,310 |
| Preston | $3,352 |
| Prestonsburg | $4,282 |
| Princeton | $3,923 |
| Printer | $4,357 |
| Prospect | $3,057 |
| Providence | $4,542 |
| Putney | $3,934 |
| Quincy | $3,372 |
| Raccoon | $4,148 |
| Raceland | $2,863 |
| Radcliff | $3,260 |
| Ransom | $4,182 |
| Raven | $4,347 |
| Ravenna | $3,530 |
| Raywick | $3,317 |
| Redfox | $4,331 |
| Reed | $3,714 |
| Regina | $4,114 |
| Reidland | $4,601 |
| Renfro Valley | $3,427 |
| Revelo | $3,783 |
| Reynolds Station | $3,846 |
| Rhodelia | $3,649 |
| Ricetown | $4,478 |
| Richlawn | $3,094 |
| Richmond | $2,702 |
| Rineyville | $3,259 |
| River | $4,175 |
| Riverwood | $3,107 |
| Roark | $4,467 |
| Robards | $3,789 |
| Robinson Creek | $4,291 |
| Rochester | $4,229 |
| Rockfield | $3,491 |
| Rockholds | $3,719 |
| Rockhouse | $3,858 |
| Rockport | $3,740 |
| Rocky Hill | $3,629 |
| Rogers | $4,248 |
| Rolling Fields | $3,111 |
| Rolling Hills | $3,128 |
| Rosine | $3,658 |
| Roundhill | $3,916 |
| Rousseau | $4,363 |
| Rowdy | $4,212 |
| Roxana | $4,289 |
| Royalton | $4,401 |
| Rumsey | $4,086 |
| Rush | $3,051 |
| Russell | $2,861 |
| Russell Springs | $3,345 |
| Russellville | $3,594 |
| Ryland Heights | $2,664 |
| Sacramento | $4,145 |
| Sadieville | $2,962 |
| Salem | $5,296 |
| Salt Lick | $3,511 |
| Salvisa | $3,013 |
| Salyersville | $4,414 |
| Sanders | $3,322 |
| Sandgap | $3,562 |
| Sandy Hook | $3,403 |
| Sassafras | $4,313 |
| Saul | $3,922 |
| Scalf | $3,575 |
| Science Hill | $3,332 |
| Scottsville | $3,567 |
| Scuddy | $4,253 |
| Sebree | $4,368 |
| Seco | $3,822 |
| Sedalia | $4,884 |
| Seneca Gardens | $3,147 |
| Sextons Creek | $4,378 |
| Sharon Grove | $4,062 |
| Sharpsburg | $3,320 |
| Shelbiana | $4,157 |
| Shelby Gap | $4,292 |
| Shelbyville | $3,152 |
| Shepherdsville | $3,280 |
| Shively | $3,672 |
| Sidney | $4,201 |
| Siler | $3,832 |
| Silver Grove | $2,691 |
| Simpsonville | $3,169 |
| Sitka | $4,104 |
| Sizerock | $3,950 |
| Slade | $3,417 |
| Slaughters | $4,269 |
| Slemp | $4,276 |
| Smilax | $4,359 |
| Smith Mills | $3,787 |
| Smithfield | $3,348 |
| Smithland | $5,194 |
| Smiths Grove | $3,428 |
| Soldier | $3,339 |
| Somerset | $3,300 |
| Sonora | $3,242 |
| South Carrollton | $3,808 |
| South Portsmouth | $3,132 |
| South Shore | $3,128 |
| South Wallins | $3,974 |
| South Williamson | $4,158 |
| Southgate | $2,730 |
| Sparta | $3,101 |
| Spottsville | $3,860 |
| Springfield | $3,461 |
| St. Catharine | $3,339 |
| St. Charles | $3,697 |
| St. Francis | $3,300 |
| St. Helens | $3,634 |
| St. Mary | $3,254 |
| St. Matthews | $3,109 |
| Staffordsville | $4,216 |
| Stambaugh | $4,092 |
| Stamping Ground | $2,847 |
| Stanford | $3,217 |
| Stanton | $3,421 |
| Stanville | $4,337 |
| Stearns | $3,851 |
| Steele | $4,211 |
| Stephensport | $3,616 |
| Stinnett | $4,440 |
| Stone | $4,142 |
| Stoney Fork | $3,718 |
| Stopover | $4,152 |
| Strathmoor Village | $3,143 |
| Strunk | $3,769 |
| Sturgis | $5,037 |
| Sullivan | $5,020 |
| Sulphur | $3,333 |
| Summer Shade | $3,473 |
| Summersville | $3,692 |
| Sweeden | $3,773 |
| Symsonia | $4,714 |
| Tateville | $3,337 |
| Taylor Mill | $2,654 |
| Taylorsville | $3,289 |
| Teaberry | $4,115 |
| Ten Broeck | $3,047 |
| Thelma | $4,123 |
| Thornton | $4,367 |
| Thousandsticks | $4,417 |
| Tiline | $5,136 |
| Tollesboro | $3,288 |
| Tomahawk | $4,196 |
| Tompkinsville | $3,522 |
| Topmost | $4,492 |
| Totz | $3,846 |
| Tram | $3,690 |
| Trenton | $3,893 |
| Trosper | $3,601 |
| Turners Station | $3,346 |
| Tutor Key | $4,109 |
| Tyner | $3,753 |
| Ulysses | $3,789 |
| Union | $2,636 |
| Union Star | $3,666 |
| Uniontown | $5,136 |
| Upton | $3,429 |
| Utica | $3,441 |
| Van Lear | $4,201 |
| Vanceburg | $3,373 |
| Vancleve | $4,253 |
| Varney | $4,191 |
| Verona | $3,040 |
| Versailles | $2,841 |
| Vest | $4,375 |
| Vicco | $4,227 |
| Villa Hills | $2,618 |
| Vincent | $4,312 |
| Vine Grove | $3,268 |
| Viper | $4,188 |
| Virgie | $4,425 |
| Waco | $3,006 |
| Waddy | $3,261 |
| Walker | $3,585 |
| Wallingford | $3,403 |
| Wallins Creek | $3,976 |
| Walton | $2,686 |
| Waneta | $3,289 |
| Warbranch | $4,452 |
| Warfield | $4,194 |
| Warsaw | $3,244 |
| Washington | $3,160 |
| Water Valley | $4,871 |
| Watterson Park | $3,384 |
| Waverly | $5,102 |
| Wayland | $4,304 |
| Waynesburg | $3,424 |
| Webbville | $4,073 |
| Webster | $3,694 |
| Weeksbury | $4,314 |
| Wellington | $4,203 |
| Wendover | $4,416 |
| West Buechel | $3,369 |
| West Liberty | $3,597 |
| West Louisville | $3,275 |
| West Paducah | $4,553 |
| West Point | $3,409 |
| West Somerset | $3,279 |
| West Van Lear | $3,644 |
| Westport | $3,300 |
| Westview | $3,763 |
| Westwood | $2,921 |
| Wheatcroft | $4,369 |
| Wheelwright | $4,294 |
| Whick | $4,447 |
| White Mills | $3,407 |
| White Plains | $3,931 |
| Whitesburg | $4,281 |
| Whitesville | $3,396 |
| Whitley City | $3,796 |
| Wickliffe | $4,956 |
| Wilder | $2,685 |
| Wildie | $3,503 |
| Williamsburg | $3,804 |
| Williamsport | $4,209 |
| Williamstown | $3,029 |
| Willisburg | $3,310 |
| Wilmore | $2,846 |
| Winchester | $2,783 |
| Windsor | $3,288 |
| Windy Hills | $3,100 |
| Wingo | $4,828 |
| Wittensville | $4,104 |
| Woodbine | $3,546 |
| Woodburn | $3,471 |
| Woodbury | $3,774 |
| Woodland Hills | $3,046 |
| Wooton | $4,313 |
| Worthington | $2,947 |
| Worthville | $3,203 |
| Wurtland | $2,937 |
| Yeaddiss | $4,311 |
| Yerkes | $3,785 |
| Yosemite | $3,269 |
| Zoe | $4,300 |
Current state of homeowners insurance in Kentucky
Kentucky home insurance costs are rising
From 2024 to 2025, average homeowners insurance rates in Kentucky increased by 10.3%. That’s nearly double the national average of 5.6% during that same time period.
Looking at a longer time frame, Kentucky’s rate increases have been similar to what’s been seen nationwide. From 2021 to 2025, average homeowners insurance rates rose by about 50% in Kentucky, compared to 48% nationally.
Severe storms and tornadoes continue to drive claims
Homeowners insurance rates in Kentucky are climbing faster than in many other states. One likely reason is the state’s recent wave of severe weather.
In recent years, meteorologists have noted a shift in tornado activity from the central part of the United States eastward. As a result, in 2024, Kentucky saw 66 tornadoes, the most in a single year since 1950. In 2025, property damage caused by 39 tornadoes exceeded $18 million. When weather disasters strike, rate hikes tend to follow.
How to compare homeowners insurance in Kentucky
When comparing options and rates, be sure to consider:
- Coverage limits: Insurance companies typically help you estimate how much dwelling coverage you need. Be ready to answer questions about your house and its features. And make sure every company quotes you with the same coverage limits, or as close to the same as possible.
- Deductibles: Higher deductibles usually mean lower premiums, but a higher out-of-pocket expense for you. Choose a deductible that you can comfortably afford.
- Exclusions: Homeowners insurance does not cover floods or mudslides. You need a separate flood policy for that. Although everyone in Kentucky should consider flood insurance, you can see if you live in a flood zone using FEMA’s flood map.
- Add-ons: Not all companies offer the same add-ons or endorsements. If you’re looking for a specific add-on, make sure that it’s an option with the companies you’re shopping with.
And if you own one or more vehicles, consider bundling your home and auto insurance. Many insurance companies offer big discounts for this.
How LendingTree helps you find the right policy
Shopping for home insurance isn’t always straightforward, especially when availability and pricing can vary widely. LendingTree makes it easier by helping you explore options from multiple insurers, so you can find coverage that fits your home, location and budget.
How it works
Tell us about your home
Answer a few quick questions about your home, location and coverage needs.
Compare options from insurers
See quotes and typical rates from insurers that offer coverage in your area.
Choose the right policy
Review your options and pick the coverage that fits your needs and budget.
Frequently asked questions
No, homeowners insurance is not legally required in Kentucky. However, homeowners insurance is almost always required by mortgage companies.
If you’re still making house payments and drop coverage, your mortgage company may buy force-placed insurance and bill you for it later. These policies are usually much more expensive than a homeowners policy you can find on the open market.
The average homeowners insurance rate in Kentucky is $3,495 for $400,000 of dwelling coverage. However, insurance premiums are highly personalized. Your home, coverage options, claims history, ZIP code and even your credit score can impact how much homeowners insurance costs in Kentucky.
The Kentucky FAIR Plan (Fair Access to Insurance Requirements Plan) is a state-managed plan that provides property coverage to Kentucky homeowners who are unable to get standard home insurance. These policies are more basic than a home insurance policy off the regular market and are only available through licensed Kentucky agents.
Methodology
How we chose the best homeowners insurance in Kentucky
The rates shown in this article are based on an analysis of non-binding quotes obtained in February 2026 from Quadrant Information Services for sample homes in every Kentucky ZIP code. Unless otherwise noted, policies include:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Loss of use: $80,000
- Personal liability: $100,000
- Guest medical payments: $5,000
- Deductible: $1,000
How we create LendingTree ratings
Our team of insurance experts evaluates insurance companies across several categories, including average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We use this information to create LendingTree ratings, which help us identify and recommend the best insurance companies for consumers.
For third-party customer service ratings, we included NAIC’s Complaint Index scores and financial strength ratings from A.M. Best. NAIC Complaint Index scores show how well companies treat customers over things like claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.
See our home insurance ratings methodology and full editorial guidelines for further details.