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LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Best Homeowners Insurance in Kentucky

Updated on:
Content was accurate at the time of publication.

Cincinnati Insurance Company is the best homeowners insurance company in Kentucky. It charges the state’s cheapest average rate of $169 a month, and also offers the best selection of home insurance discounts.

State Farm is Kentucky’s best home insurance company for customer satisfaction, while Allstate has the best coverage options.

Find the Cheapest Home Insurance Quotes in Kentucky

Best cheap home insurance companies in Kentucky

$2,030/year
Cheap rates: Cincinnati Insurance Company
Cincinnati Insurance Company logo
$2,240/year
Best for coverages: Allstate
Allstate logo
$2,661/year
Best for customer service: State Farm
State Farm logo
+
More Options

Cincinnati Insurance Company and Allstate are the cheapest home insurance companies in Kentucky. Cincinnati Insurance Company charges $169 a month, or $2,030 a year, on average, while Allstate’s average rate is $187 a month, or $2,240 a year.

Both companies’ average rates are well below the state average home insurance rate of $389 a month, or $4,671 a year.

CompanyAnnual rateMonthly rateLendingTree score
cincinnati financial logo  Cincinnati Insurance Company$2,030$169Not rated
allstate logo  Allstate$2,240$1874 stars
state farm logo  State Farm$2,661$2224 stars
travelers logo  Travelers$5,390$4493.5 stars
farm bureau logo  Kentucky Farm Bureau$6,719$5603.5 stars
aaa logo  AAA$8,984$7492.0 stars

To find the cheapest home insurance rate for your situation, compare home insurance quotes from several companies while you shop around for coverage.

Cincinnati Insurance Company, State Farm and Allstate are the best home insurance companies in Kentucky due to their low rates, coverages, discounts and reputations for customer service.

CompanyBest forAverage annual rateCustomer satisfaction*Complaint index**
Cincinnati Insurance CompanyCheap rates, discounts$2,030Not rated0.22
State FarmCustomer satisfaction$2,6618291.05
AllstateCoverage options$2,2408091.3

*Higher is better; 819 is average
**Lower is better; 1.0 is average

Best overall: Cincinnati Insurance Company

Cincinnati Insurance Company is Kentucky’s best homeowners insurance company due to its low rates, wide range of discounts and good complaint rating.

ProsCons

 Lowest average home insurance premiums in Kentucky

 Offers the most home insurance discounts of the companies we surveyed

 Second-best complaint rating of surveyed companies

 Most optional coverages limited to owners of high-value homes

Best for cheap rates: Cincinnati Insurance Company

If you want cheap home insurance above all else, Cincinnati Insurance Company is the best company for you. Cincinnati Insurance Company has the cheapest home insurance in Kentucky, with rates that average $2,030 a year, or $169 a month.

Cincinnati’s average home insurance rate is 10% lower than that of second-place Allstate. It’s also 79% lower than the state average rate.

Best for customer satisfaction: State Farm

State Farm earned the highest score (829) from J.D. Power’s 2023 U.S. Home Insurance Study among the Kentucky home insurance companies we surveyed.

This study’s scores are based on customer surveys that rate insurance companies on factors like price, policy offerings and claims. The highest possible score is 1,000, while the segment average is 819.

ProsCons

 Highest customer satisfaction rating of surveyed companies

 Average premium is affordable and well below the state average

 Doesn’t offer many discounts or optional coverages

 Complaint rating is average

Best coverage options: Allstate

Allstate is the best home insurance company for coverage options in Kentucky. Some of the optional coverages you can add to a home insurance policy bought through Allstate include:

  • Green improvement reimbursement
  • Electronic data recovery
  • Identity theft restoration
  • Sports equipment
  • Musical instruments
  • Water backup

ProsCons

 Offers more optional coverages than any other company we surveyed in Kentucky

 Also offers many discounts

 Second-cheapest average home insurance rate in the state

 Customer satisfaction rating is below average

 Complaint rating is the worst of the companies surveyed

Best discounts: Cincinnati Insurance Company

Cincinnati Insurance Company offers more home insurance discounts than any of the other companies we surveyed in Kentucky. You can get common discounts from Cincinnati, like ones for bundling home and auto coverage or for buying a newer home, but you may also save money for:

  • Automatic water shutoff systems
  • Permanently installed backup generators
  • Living in a secured community
  • Having a year-round, live-in caretaker

Find the Cheapest Home Insurance Quotes in Kentucky

The average cost of home insurance in Kentucky is $4,671 a year, or $389 a month.

You’ll usually pay more than this average amount if your home has a dwelling coverage limit that’s higher than $400,000. And you’ll usually pay less if your dwelling limit is lower.

Dwelling limitAnnual rateMonthly rate
$350,000$4,080$340
$400,000$4,671$389
$450,000$5,337$445

Your home insurance policy’s dwelling coverage helps pay to repair or rebuild the structure of your home if a covered peril damages or destroys it. Covered perils include events like fires, hail or even vandalism.

Your dwelling limit isn’t the only factor that determines what you pay for home insurance in Kentucky and elsewhere. Other home insurance rate factors include:

  • Where you live in the state
  • The age of your home
  • The amount of coverage you buy
  • Your deductible
  • Your credit, insurance and claims history

Fort Thomas and Dayton pay the lowest home insurance rates among Kentucky’s cities, with them averaging $2,983 and $3,014 a year respectively.

Homeowners in Pittsburg pay the highest rates, at an average of $6,851 a year.

CityAnnual rate
Aberdeen$4,873
Adairville$4,780
Adams$5,806
Adolphus$4,527
Ages Brookside$5,500
Albany$4,958
Alexandria$3,048
Allen$5,889
Allensville$4,958
Almo$4,505
Alpha$5,224
Alvaton$4,519
Anchorage$3,934
Annville$6,573
Argillite$3,993
Arjay$6,069
Arlington$4,867
Artemus$6,364
Ary$6,481
Ashcamp$5,930
Asher$4,960
Ashland$4,112
Auburn$4,982
Audubon Park$3,762
Augusta$4,012
Austin$4,610
Auxier$5,867
Avawam$6,169
Bagdad$3,507
Bandana$4,429
Banner$5,644
Barbourville$6,147
Bardstown$3,970
Bardwell$4,922
Barlow$4,707
Baskett$4,153
Battletown$3,846
Baxter$5,621
Bays$5,230
Bear Branch$5,812
Beattyville$5,721
Beaumont$4,982
Beauty$5,033
Beaver$5,754
Beaver Dam$4,135
Bedford$4,135
Bee Spring$5,842
Beech Creek$4,570
Beech Grove$4,088
Beechmont$4,597
Beechwood Village$4,047
Belcher$5,904
Belfry$5,818
Bellefonte$3,887
Bellemeade$3,807
Bellevue$3,046
Bellewood$3,845
Belton$4,629
Benham$5,502
Benton$4,818
Berea$4,112
Berry$3,802
Bethelridge$4,696
Bethlehem$4,149
Betsy Layne$5,748
Beverly$6,232
Bevinsville$5,749
Big Clifty$5,407
Big Creek$6,351
Big Laurel$5,712
Bighill$3,697
Bimble$6,199
Blackey$5,722
Blaine$5,748
Bledsoe$5,588
Bloomfield$4,011
Blue Ridge Manor$3,876
Blue River$5,807
Boaz$4,542
Bonnieville$4,749
Bonnyman$5,908
Booneville$5,884
Boons Camp$5,442
Boston$4,002
Bowling Green$4,339
Bradfordsville$4,435
Brandenburg$3,846
Breckinridge Center$4,470
Breeding$4,523
Bremen$4,581
Briarwood$3,848
Brodhead$5,980
Bronston$5,220
Brooks$4,118
Brooksville$4,063
Browder$4,731
Brownsboro Farm$3,943
Brownsville$5,379
Bryants Store$6,367
Buckhorn$6,036
Buckner$3,698
Buffalo$4,653
Bulan$5,809
Burdine$5,107
Burgin$3,898
Burkesville$5,005
Burlington$3,071
Burna$4,253
Burnside$5,139
Busy$5,921
Butler$3,528
Bypro$5,113
Cadiz$4,111
Calhoun$4,096
California$3,051
Calvert City$4,850
Calvin$6,200
Camargo$3,769
Cambridge$3,853
Campbellsburg$4,031
Campbellsville$3,956
Campton$5,727
Canada$5,791
Caneyville$5,451
Canmer$4,677
Cannel City$5,077
Cannon$6,007
Carlisle$4,322
Carrie$5,902
Carrollton$4,332
Catlettsburg$4,271
Cave City$4,557
Cawood$5,623
Cecilia$4,010
Center$5,094
Centertown$4,489
Central City$4,267
Cerulean$4,127
Chaplin$4,027
Chappell$4,987
Chavies$6,345
Clarkson$5,162
Claryville$3,048
Clay$4,816
Clay City$4,643
Clayhole$6,456
Clearfield$4,454
Cleaton$4,410
Clermont$4,325
Clifty$4,182
Clinton$4,782
Closplint$5,796
Cloverport$4,584
Coalgood$5,827
Cold Spring$3,017
Coldiron$5,898
Coldstream$3,964
Columbia$4,213
Columbus$4,780
Combs$6,112
Corbin$6,155
Corinth$3,885
Cornettsville$5,903
Corydon$4,082
Covington$3,176
Coxs Creek$3,947
Crab Orchard$4,606
Cranks$5,839
Crayne$4,788
Crestview$3,021
Crestview Hills$3,186
Crestwood$3,714
Crittenden$3,865
Crockett$5,084
Crofton$4,373
Cromona$4,953
Cromwell$4,768
Cub Run$5,091
Cumberland$5,529
Cunningham$4,681
Curdsville$4,398
Custer$4,807
Cynthiana$3,599
Dana$5,688
Danville$4,022
David$5,734
Dawson Springs$4,279
Dayhoit$5,821
Dayton$3,014
De Mossville$3,524
Deane$6,045
Debord$6,437
Delphia$6,229
Dema$5,968
Denniston$5,818
Denton$4,429
Dexter$4,457
Dixon$5,168
Doe Valley$3,840
Douglass Hills$3,911
Dover$3,756
Drake$4,420
Drakesboro$4,528
Drift$4,871
Druid Hills$3,845
Dry Ridge$4,014
Dubre$4,869
Dunbar$4,820
Dundee$4,793
Dunmor$4,900
Dunnville$4,657
Dwale$4,968
Dwarf$5,159
Dycusburg$4,678
Earlington$4,421
East Bernstadt$6,690
East Point$5,587
Eastern$5,871
Eastview$4,098
Eastwood$3,895
Eddyville$4,172
Edgewood$3,216
Edmonton$4,761
Eighty Eight$4,903
Ekron$3,872
Elizabethtown$3,858
Elizaville$4,041
Elk Creek$3,943
Elk Horn$4,105
Elkfork$5,270
Elkhorn City$5,899
Elkton$4,087
Elliottville$5,260
Elsmere$3,242
Emerson$3,969
Eminence$4,015
Emlyn$6,084
Emmalena$5,986
Eolia$5,744
Erlanger$3,210
Ermine$5,665
Essie$4,993
Etoile$4,525
Eubank$4,865
Evarts$5,603
Ewing$3,921
Ezel$6,024
Fairdale$3,796
Fairfield$3,828
Fairview$4,289
Falcon$5,219
Fall Rock$6,018
Falls Of Rough$5,327
Falmouth$3,604
Fancy Farm$4,673
Farley$4,288
Farmers$5,260
Farmington$4,646
Fedscreek$6,160
Ferguson$5,385
Fincastle$3,890
Finchville$3,521
Fisherville$3,986
Fisty$5,986
Flat Lick$6,046
Flatgap$5,454
Flatwoods$3,931
Flemingsburg$3,889
Florence$3,168
Fords Branch$5,925
Fordsville$4,508
Forest Hills$5,792
Fort Campbell North$4,415
Fort Knox$3,889
Fort Mitchell$3,171
Fort Thomas$2,983
Fort Wright$3,172
Foster$4,012
Fountain Run$4,819
Fourmile$5,175
Fox Chase$4,303
Frakes$6,148
Francisville$3,088
Frankfort$3,365
Franklin$4,256
Fredonia$4,295
Freeburn$5,849
Frenchburg$5,778
Fulton$5,082
Gamaliel$4,869
Garfield$5,032
Garner$5,854
Garrard$5,118
Garrett$5,725
Garrison$4,106
Gays Creek$6,303
Georgetown$3,141
Germantown$4,033
Ghent$4,481
Gilbertsville$4,880
Girdler$5,825
Glasgow$4,379
Glencoe$4,116
Glendale$4,229
Glens Fork$4,384
Glenview$3,835
Goose Creek$3,950
Goose Rock$6,094
Gordon$5,672
Goshen$3,811
Gracey$4,656
Gradyville$4,881
Graham$4,501
Grand Rivers$4,501
Gravel Switch$4,563
Gray$6,185
Gray Hawk$5,127
Graymoor-Devondale$3,992
Grays Knob$5,893
Grayson$4,048
Green Road$5,950
Greensburg$4,578
Greenup$4,012
Greenville$4,261
Grethel$5,711
Gulston$4,811
Gunlock$6,139
Guston$3,887
Guthrie$4,671
Hagerhill$5,583
Hallie$5,719
Hampton$4,269
Hanson$4,647
Happy$5,897
Hardin$4,826
Hardinsburg$4,571
Hardy$5,862
Hardyville$4,702
Harlan$5,626
Harned$4,578
Harold$5,786
Harrods Creek$3,926
Harrodsburg$3,956
Hartford$4,207
Hawesville$4,739
Hazard$5,818
Hazel$4,386
Hazel Green$5,684
Hebron$3,087
Hebron Estates$4,242
Heidrick$6,042
Hellier$5,153
Helton$4,970
Henderson$3,817
Hendron$4,297
Heritage Creek$3,884
Herndon$4,425
Hestand$5,060
Hi Hat$5,737
Hickman$5,103
Hickory$4,555
Highland Heights$3,019
Hillsboro$3,991
Hillview$4,068
Hima$5,887
Hindman$5,850
Hinkle$5,839
Hitchins$4,354
Hodgenville$4,393
Holland$4,875
Holmes Mill$5,495
Hope$3,927
Hopkinsville$4,376
Horse Branch$4,483
Horse Cave$4,794
Hoskinston$4,999
Houston Acres$4,053
Huddy$5,988
Hudson$4,600
Hueysville$5,726
Hulen$5,972
Hurstbourne$3,805
Hurstbourne Acres$3,859
Hustonville$4,606
Hyden$5,794
Independence$3,232
Inez$5,831
Ingram$5,958
Irvine$6,123
Irvington$4,581
Island$4,406
Isom$6,020
Isonville$4,920
Ivel$5,663
Jackhorn$5,767
Jackson$5,768
Jamestown$4,367
Jeff$5,044
Jeffersontown$3,946
Jeffersonville$3,816
Jenkins$5,809
Jeremiah$5,829
Jetson$5,055
Jonancy$5,253
Jonesville$4,165
Junction City$4,005
Keaton$5,795
Keavy$6,549
Kenton$3,593
Kenvir$5,903
Kettle Island$6,144
Kevil$4,445
Kimper$5,857
Kings Mountain$4,706
Kirksey$4,365
Kite$5,733
Knifley$4,455
Knob Lick$4,728
Krypton$6,225
Kuttawa$4,131
La Center$4,470
La Fayette$4,385
La Grange$3,729
Lackey$5,981
Lakeside Park$3,185
Lancaster$4,159
Langdon Place$3,920
Langley$5,775
Latonia$3,248
Lawrenceburg$3,732
Lebanon$4,418
Lebanon Junction$4,375
Leburn$5,813
Ledbetter$4,468
Leitchfield$5,141
Lejunior$4,745
Letcher$5,667
Lewisburg$4,764
Lewisport$4,318
Lexington$3,141
Liberty$4,766
Lick Creek$6,173
Lily$6,849
Linefork$5,998
Littcarr$5,794
Livermore$4,279
Livingston$6,058
Lockport$4,323
London$6,817
Lone$5,888
Lookout$5,963
Loretto$4,428
Lost Creek$5,750
Louisa$5,851
Louisville$3,947
Lovelaceville$4,374
Lovely$5,810
Lowes$4,434
Lowmansville$6,075
Loyall$4,697
Lucas$4,682
Ludlow$3,188
Lynch$5,555
Lyndon$3,830
Lynnview$3,967
Lynnville$4,501
Maceo$3,984
Mackville$4,045
Madisonville$4,305
Magnolia$4,603
Majestic$5,011
Mallie$6,086
Malone$5,271
Mammoth Cave National Park$5,689
Manchester$5,953
Manitou$4,707
Maple Mount$3,920
Marion$4,627
Marrowbone$4,707
Marshes Siding$4,834
Martha$6,176
Martin$5,777
Mary Alice$5,410
Mason$4,074
Masonic Home$3,990
Masonville$3,950
Massac$4,329
Mayfield$4,736
Mayking$5,726
Mayslick$3,823
Maysville$3,649
Mazie$5,550
Mc Andrews$5,777
Mc Carr$5,848
Mc Daniels$4,815
Mc Dowell$5,740
Mc Henry$4,695
Mc Kee$6,327
Mc Kinney$4,476
Mc Quady$4,748
McRoberts$5,765
Meadow Vale$3,848
Meally$5,772
Means$4,904
Melber$4,553
Melbourne$3,066
Melvin$6,041
Middleburg$4,775
Middlesborough$6,063
Middletown$3,917
Midway$3,330
Milburn$4,787
Milford$4,110
Millersburg$3,235
Millstone$5,724
Millwood$5,494
Milton$4,157
Minerva$3,631
Minnie$5,016
Miracle$4,872
Mistletoe$6,102
Mitchellsburg$4,006
Mize$5,086
Monticello$4,980
Moorefield$4,577
Moorland$3,827
Morehead$4,432
Morganfield$4,470
Morgantown$5,037
Morning View$3,249
Mortons Gap$4,434
Mount Eden$4,031
Mount Hermon$5,021
Mount Olivet$3,698
Mount Sherman$4,811
Mount Sterling$3,758
Mount Vernon$5,938
Mount Washington$4,156
Mousie$5,750
Mouthcard$5,832
Mozelle$5,855
Muldraugh$3,867
Munfordville$4,761
Murray$4,334
Muses Mills$4,024
Myra$5,425
Nancy$4,797
Nazareth$3,746
Nebo$4,439
Neon$5,834
Nerinx$4,301
New Castle$4,072
New Concord$4,429
New Haven$4,013
New Hope$4,027
New Liberty$4,218
Newport$3,113
Nicholasville$3,553
Norbourne Estates$3,844
North Corbin$6,332
North Middletown$3,242
Northfield$3,804
Nortonville$4,491
Oak Grove$4,424
Oakbrook$3,199
Oakland$4,593
Oil Springs$5,701
Olaton$4,794
Old Brownsboro Place$3,843
Olive Hill$4,128
Olmstead$4,946
Olympia$4,076
Oneida$6,085
Orchard Grass Hills$3,697
Orlando$6,845
Owensboro$3,665
Owenton$4,010
Owingsville$3,961
Paducah$4,314
Paint Lick$4,036
Paintsville$5,657
Paris$3,227
Park City$4,950
Park Hills$3,164
Parkers Lake$5,087
Parksville$4,035
Parkway Village$4,007
Partridge$5,670
Pathfork$5,542
Payneville$3,895
Pembroke$4,410
Pendleton$4,098
Perry Park$4,276
Perryville$4,072
Petersburg$3,190
Pewee Valley$3,702
Phelps$5,786
Philpot$4,007
Phyllis$5,857
Pikeville$5,820
Pilgrim$5,847
Pine Knot$5,117
Pine Ridge$6,199
Pine Top$5,793
Pineville$6,125
Pinsonfork$5,822
Pioneer Village$4,290
Pippa Passes$5,725
Pittsburg$6,851
Plano$4,322
Pleasureville$4,092
Plummers Landing$3,951
Poole$4,983
Port Royal$4,404
Powderly$4,602
Premium$5,675
Preston$4,115
Prestonsburg$5,751
Princeton$4,215
Printer$5,687
Prospect$3,871
Providence$4,776
Putney$5,826
Quincy$4,076
Raccoon$5,983
Raceland$3,982
Radcliff$3,854
Ransom$5,793
Raven$5,837
Ravenna$6,070
Raywick$4,576
Redfox$5,795
Reed$4,073
Regina$6,086
Reidland$4,290
Renfro Valley$6,659
Revelo$5,146
Reynolds Station$4,806
Rhodelia$4,083
Ricetown$6,030
Richlawn$4,042
Richmond$3,646
Rineyville$3,893
River$5,770
Riverwood$3,845
Roark$5,914
Robards$4,069
Robinson Creek$6,086
Rochester$4,948
Rockfield$4,440
Rockholds$6,023
Rockhouse$6,212
Rockport$4,465
Rocky Hill$5,908
Rogers$5,804
Rolling Fields$3,850
Rolling Hills$3,852
Rosine$4,590
Roundhill$5,564
Rousseau$6,009
Rowdy$6,402
Roxana$5,089
Royalton$6,111
Rumsey$4,723
Rush$4,137
Russell$3,982
Russell Springs$4,502
Russellville$4,629
Ryland Heights$3,258
Sacramento$4,398
Sadieville$3,273
Salem$4,329
Salt Lick$4,015
Salvisa$4,010
Salyersville$5,838
Sanders$4,432
Sandgap$6,464
Sandy Hook$4,060
Sassafras$5,821
Saul$6,411
Scalf$5,953
Science Hill$4,909
Scottsville$4,906
Scuddy$5,960
Sebree$5,164
Seco$5,670
Sedalia$4,800
Seneca Gardens$3,857
Sextons Creek$5,993
Sharon Grove$4,415
Sharpsburg$3,853
Shelbiana$5,903
Shelby Gap$6,027
Shelbyville$3,541
Shepherdsville$4,264
Shively$3,729
Sidney$6,072
Siler$5,991
Silver Grove$3,119
Simpsonville$3,549
Sitka$5,528
Sizerock$4,897
Slade$5,572
Slaughters$4,676
Slemp$5,899
Smilax$5,674
Smith Mills$4,014
Smithfield$4,018
Smithland$4,533
Smiths Grove$4,969
Soldier$4,138
Somerset$4,870
Sonora$4,141
South Carrollton$4,349
South Portsmouth$4,047
South Shore$4,053
South Wallins$5,632
South Williamson$5,744
Southgate$3,031
Sparta$4,146
Spottsville$4,037
Springfield$3,993
St. Catharine$4,127
St. Charles$4,547
St. Francis$4,553
St. Helens$5,975
St. Mary$4,490
St. Matthews$3,836
Staffordsville$5,651
Stambaugh$5,726
Stamping Ground$3,228
Stanford$4,547
Stanton$5,586
Stanville$4,857
Stearns$5,085
Steele$5,742
Stephensport$5,113
Stinnett$5,864
Stone$5,789
Stoney Fork$5,968
Stopover$5,779
Strathmoor Village$3,854
Strunk$5,107
Sturgis$4,447
Sullivan$4,444
Sulphur$4,423
Summer Shade$4,938
Summersville$4,798
Sweeden$5,943
Symsonia$4,517
Tateville$5,056
Taylor Mill$3,255
Taylorsville$4,006
Teaberry$5,726
Ten Broeck$3,895
Thelma$5,543
Thornton$5,973
Thousandsticks$5,742
Tiline$4,850
Tollesboro$3,977
Tomahawk$5,842
Tompkinsville$4,611
Topmost$5,710
Totz$5,824
Tram$4,873
Trenton$4,232
Trosper$6,166
Turners Station$4,059
Tutor Key$5,466
Tyner$6,155
Ulysses$4,937
Union$3,148
Union Star$5,087
Uniontown$4,405
Upton$4,359
Utica$3,972
Van Lear$5,630
Vanceburg$3,908
Vancleve$5,761
Varney$5,883
Verona$3,473
Versailles$3,284
Vest$5,971
Vicco$5,911
Villa Hills$3,191
Vincent$6,087
Vine Grove$3,882
Viper$5,823
Virgie$6,113
Waco$3,908
Waddy$3,536
Walker$5,875
Wallingford$3,969
Wallins Creek$5,634
Walton$3,169
Waneta$5,314
Warbranch$4,951
Warfield$5,813
Warsaw$4,065
Washington$3,801
Water Valley$4,678
Watterson Park$3,825
Waverly$4,296
Wayland$5,689
Waynesburg$4,759
Webbville$5,007
Webster$4,690
Weeksbury$4,954
Wellington$5,728
Wendover$5,760
West Buechel$4,133
West Liberty$5,191
West Louisville$3,908
West Paducah$4,434
West Point$3,872
West Somerset$5,034
West Van Lear$4,953
Westport$3,698
Westview$4,823
Westwood$4,111
Wheatcroft$4,887
Wheelwright$4,953
Whick$5,933
White Mills$4,075
White Plains$4,402
Whitesburg$5,737
Whitesville$3,984
Whitley City$5,082
Wickliffe$4,609
Wilder$3,026
Wildie$6,029
Williamsburg$6,075
Williamsport$5,812
Williamstown$4,034
Willisburg$3,980
Wilmore$3,691
Winchester$3,758
Windsor$4,830
Windy Hills$3,847
Wingo$4,755
Wittensville$5,810
Woodbine$6,141
Woodburn$4,441
Woodbury$5,008
Woodland Hills$3,942
Wooton$5,683
Worthington$3,976
Worthville$4,307
Wurtland$3,987
Yeaddiss$5,610
Yerkes$5,400
Yosemite$4,959
Zoe$6,255

The average home insurance rate in Louisville is $3,947 a year, or $329 a month.

Kentucky homeowners face severe weather throughout the year, including tornadoes, severe thunderstorms and hail. Although standard home insurance covers damage caused by most of these perils, it doesn’t cover flood damage. For that, you need separate flood insurance.

Flood insurance in Kentucky

To protect your home from flooding, you need to buy separate flood insurance coverage.

Kentucky state law doesn’t require homeowners to buy flood insurance, but your mortgage lender might require it if you live in a high-risk flood zone.

You can buy flood insurance through the National Flood Insurance Program (NFIP) or some private insurance companies.

Kentucky homeowners insurance laws do not require you to buy home insurance. Most lenders require home insurance if you take out a mortgage with them, though. Lenders also often require flood insurance if your home is in a high-risk flood zone.

Kentucky home insurance costs $4,671 a year, on average, or $389 a month. The exact price you pay depends on a number of factors, including how much coverage you need, the deductible you choose and the age of your home.

Cincinnati Insurance Company has the cheapest homeowners insurance in Kentucky, with an average rate of $2,030 a year, or $169 a month.

Methodology

The rates shown in this article are based on non-binding quotes collected from Quadrant Information Services. Your rates may vary. Average rates were compiled from rates in Kentucky. The following coverages and deductible were used unless otherwise noted:

  • $400,000 dwelling coverage
  • $40,000 other structures
  • $200,000 personal property
  • $80,000 loss of use coverage
  • $100,000 liability
  • $5,000 medical payments
  • $1,000 deductible

Overall satisfaction ratings were obtained from J.D. Power’s 2023 U.S. Home Insurance Study. The agency’s scores are based on customer surveys that rate insurance companies on factors including price, policy offerings and claims.

Complaint ratings are based on NAIC Complaint Index data from 2023. A company with a 2.0 Complaint Index score has twice as many confirmed complaints as expected for its size. A company with a 0.5 rating has half as many.

*USAA only provides insurance to currently serving and retired military personnel, and their families.