Updated on 01.05.17

The 4 Best Kentucky Homeowners Insurance Companies

Kentucky’s central U.S. location creates generally mild climate conditions, with minimal risk for natural disaster. However, recent weather patterns have taken more extreme turns — with increased instances of frozen pipes during winter and tornadoes and windstorms in the springtime.

Homeowners insurance averages in Kentucky remain slightly below the national average, with annual premiums hovering around $916, compared to the U.S. average of $1,034. There’s more to finding suitable coverage for your Kentucky home than just seeking out the lowest price, however. The provider you choose should offer broad policy options to safeguard against any potential disaster. To aid in your search, we’ve outlined our top picks for the best homeowners insurance companies in Kentucky, and included an online quote tool so you can shop around with accurate estimates.

Find the Best Home Insurance Rates

Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.

Kentucky Farm Bureau

Kentucky Farm Bureau is the largest and most popular homeowners insurance provider in the Bluegrass State. The organization was founded nearly a century ago and has been a reliable and customer-focused insurance staple in Kentucky.

Kentucky Farm Bureau offers two types of policies: Broad Form and Special Form. A Broad Form policy covers damage made to your home caused by things like fire, windstorm or hail, smoke, vandalism, theft, and freezing. A Special Form policy provides the same coverages included in the Broad Form policy, with additional protections from damage caused by things like wind-driven rain damage, paint spills, and countertop burns.

Becoming a member with the KY Farm Bureau affords you one of the best and most comprehensive insurance policies available in the state, as well as access to specialty member services such as banking benefits, student scholarships, discounts from participating commercial partners, and identity theft protection services. Although KY Farm Bureau does not offer an online quote option, the company has a local office in every county in Kentucky, so contacting a local agent, receiving a quote, and determining whether insuring with the bureau is the right choice for you is a simple process.

State Farm

State Farm is a trusted name in Kentucky homeowners insurance. The company owns one of the largest shares of the state’s insurance market and is backed by an A++ rating from A.M. Best for financial stability.

State Farm offers policies for just about every type of Kentucky home, including single-family dwellings, condos, mobile homes, and farms/ranches. Policies are affordable because the company offers baseline coverage that can be supplemented with extra protections where you see fit. Add-on coverage options from State Farm include personal liability and injury protection, home business insurance, and identity restoration services.

In the event that you experience a loss and need to file a claim, you can do so in person with a State Farm local agent, over the phone via their 24/7 claims hotline, online, or using the Pocket Agent mobile app. Taking advantage of tools like State Farm’s HomeIndex, which allows you to virtually catalog your belongings, can help you keep track of your covered possessions and remove the guesswork when reporting a claim.

If the damage to your home is due to flooding and you need emergency water mitigation or floor repair services, State Farm’s Premier Service program can put you in contact with contractors in your area to carry out the repairs necessary to get you back into your home sooner.

Allstate

Allstate’s wide policy options, multiple discount opportunities, and top-of-the-line educational materials make the company a popular option for Kentucky residents. A standard Allstate policy can be supplemented to provide extra protection for things like sports equipment (attention, horse enthusiasts), musical instruments, home offices, yards and gardens, and electronic data. Specialty policy features like Allstate’s Claim RateGuard, which ensures that your premium rate won’t surge when you file a claim, is a small investment that can save you a lot over time should you experience a loss.

Allstate helps you save on your Kentucky homeowners insurance policy by offering an array of discount opportunities. Customers who bundle home and auto policies, insure new or recently renovated homes, install home security devices, or sign up for automatic billing are eligible for premium deductions. Allstate also lowers rates for retirees over the age of 60 and new customers (for the first two years of service). Taking advantage of these discounts can save you over 30% on your annual premium.

To help you see the direct effect of factors like the age of your home or installing a protective device on the price of your premium, Allstate offers their interactive Premium Gauge tool. Allstate’s online resource center has a library of articles, tips, videos, checklists, and other helpful policy management tools.

Liberty Mutual

When it comes to saving money on your Kentucky homeowners insurance policy, Liberty Mutual is a solid choice.

The company offers premium deductions to new customers who are switching to Liberty Mutual with a claim-free record, as well as existing customers who have gone at least three years without a claim. Additional discounts are awarded for policy bundling, installing security devices, insuring a new or recently renovated home, or purchasing 100% cost replacement coverage for your home.

Belonging to one of Liberty Mutual’s 14,000 affiliate groups, credit unions, or alumni associations affords you even more savings opportunities on your homeowners insurance premium.

In the event of a disaster, you can contact Liberty Mutual easily by going online or calling their 24-hour claims hotline. The company can connect you with an approved contractor in their vast affiliate network to take care of necessary repairs and restore your home to safety. Customers also have access to Liberty Mutual’s Catastrophe Center, a useful online resource to aid in dealing with disaster effectively and taking the proper steps to recover and prevent further damage in the future.

Find the Best Home Insurance Rates

Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.

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