The Best Home Insurance in Kentucky for 2025

Chubb, USAA and Amica are the best home insurance companies in Kentucky, according to our analysis.

To help you find the best home insurance in Kentucky, we gathered and analyzed data from insurance companies across the state. These are the insurers that earned 4.5 stars or more.

Rates are based on a sample homeowner with no recent claims, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

» MORE: The best homeowners insurance

Below are more details about the best homeowners insurance companies in Kentucky.

Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

Chubb caters to affluent homeowners, offering coverage that often costs extra from other insurers. For example, the company’s policies include extended replacement cost coverage for the structure of your home. This is useful in case it costs more than your dwelling limit to rebuild after a disaster. Chubb’s standard policies also cover water damage from backed-up sewers and drains.

Policyholders may be eligible for the company’s HomeScan service, which uses infrared cameras to look for problems behind the walls of your home.

» READ MORE: Chubb homeowners insurance review

Amica shines when it comes to customer service. It draws a very low rate of complaints compared to other insurers, according to the National Association of Insurance Commissioners. Amica also earned high marks in two recent J.D. Power surveys about home insurance and customer satisfaction.

The company stands out for its range of coverage options. For example, you can customize your policy with extra coverage above your dwelling limit. This could be useful in case your house costs more to rebuild than expected. You may also want to add coverage for identity theft or damage from backed-up drains.

» READ MORE: Amica homeowners insurance review

If you want to support companies that value sustainability, consider Cincinnati Insurance. In recent years, the insurer has reduced fossil fuel emissions from both its facilities and company vehicles. When you buy Cincinnati home insurance, you may be able to add a “green upgrade” endorsement, which lets you use eco-friendly materials to repair or rebuild your home after a claim.

The company offers a variety of other options, including comprehensive coverage for high-value homes. You may be able to add coverage for things like identity theft, personal cyber attacks or certain types of water damage.

» READ MORE: Cincinnati homeowners insurance review

As America’s largest home insurer, State Farm stands out for its long list of coverage options. Its policies generally include extra dwelling coverage in case it costs more than expected to rebuild your home.

You may be able to add coverage for things like identity theft and water damage from backed-up drains. Another option may be to add an inflation guard rider to your policy. This automatically increases your policy limits to keep up with rising costs.

State Farm offers a free Ting smart plug to home insurance policyholders as a perk. This device monitors your home’s electrical network to help prevent fires.

» READ MORE: State Farm homeowners insurance review

Erie stands out by including guaranteed replacement cost coverage for the structure of your home in most of the states it covers. With this coverage, the company will pay to rebuild your home completely after a disaster, even if the amount exceeds your dwelling limit. Many insurers don’t offer this at all, even as an option.

If you bundle your home and auto insurance with Erie, you could get a discount of 15% or more. You may also be able to save on your premium if your home has safety and security features such as smoke alarms or sprinkler systems.

» READ MORE: Erie homeowners insurance review

Allstate offers lots of ways to customize your policy, including replacement cost coverage for your personal property and coverage for water damage caused by backed-up drains. Other options may include home-sharing coverage and reimbursement for replacing damaged items with energy-efficient versions.

You may also be able to upgrade your policy with the Enhanced Package. One benefit of this package is Deductible Rewards, which takes $100 off your deductible when you sign up, plus an additional $100 off for each year you go without filing a claim. If you do file a claim, your rates won’t go up.

» READ MORE: Allstate homeowners insurance review

Openly’s default homeowners policy goes significantly beyond those of many other insurers. Most notably, it offers guaranteed replacement cost coverage for the structure of your home.

Unlike many other insurers, Openly doesn’t have dog breed restrictions that could affect your ability to get liability coverage. It may also be a good bet for homeowners with collections of jewelry or other valuables, with up to $100,000 of blanket coverage available for these items.

» READ MORE: Openly homeowners insurance review

USAA sells homeowners insurance to active military members, veterans and their families. If that’s you, you may want to consider USAA.

The company offers some perks for members of the military, like deductible-free coverage for military uniforms and equipment.

USAA homeowners insurance has certain features that many insurers charge extra for. For example, USAA covers your personal belongings on a replacement cost basis. That means you’ll get enough money to buy brand-new replacements for damaged items. Many companies pay only what your items are worth at the time of the claim.

» READ MORE: USAA homeowners insurance review

The average annual cost of home insurance in Kentucky is $2,510. That’s 19% more than the national average of $2,110.

In most U.S. states, including Kentucky, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score.

In Kentucky, those with poor credit pay an average of $4,295 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 71% more than those with good credit.

» MORE: How your credit score affects home insurance rates

How much you pay for home insurance in Kentucky will depend on your ZIP code. For example, the average cost of homeowners insurance in Louisville is $2,545 a year, while homeowners in Lexington pay an average of $2,115 per year.

» MORE: What’s the average cost of homeowners insurance?

Here are the insurers we found with average annual rates below the Kentucky average of $2,510.

» MORE: The cheapest homeowners insurance

Here are a few of the most common risks you may face as a Kentucky homeowner, along with steps you can take to insure your home against them.

Severe weather

A standard homeowners insurance policy will cover much of the damage caused by severe weather, including wind, hail, snow and lightning. However, you may have separate deductibles for wind or hail damage. (A deductible is the amount subtracted from your claim payout.)

For example, your policy may have a $1,000 deductible for most claims and a 1% deductible for wind claims. So if your house has $200,000 worth of dwelling coverage, you’d have to pay for the first $2,000 of wind damage yourself.

Flooding

Flooding can cause extensive damage, and standard homeowners insurance policies won’t cover it. If you’re concerned about the risk of flood damage, consider buying flood insurance. Note that while you can get flood coverage anytime, there’s typically a 30-day waiting period before it takes effect.

To check your flood risk, start by looking up your address on the Federal Emergency Management Agency's flood maps. However, FEMA’s maps don’t always capture all types of flood risk. You may want to check another source, like First Street, a private company that models climate hazards. Enter your address at the top of the page to see your home’s flood risk rating on a scale of 1 to 10.

» MORE: Do you need flood insurance?

Fires

Homeowners insurance will generally cover damage from wildfires or other types of fire. Check your policy to ensure you have enough coverage, especially if you live in a wildfire-prone area.

Pay particular attention to your dwelling coverage limit, which is the maximum amount your insurer will pay to rebuild the structure of your house. Because a fire can destroy your home, you’ll want to make sure this amount is enough to rebuild from the ground up. Your insurance agent can help you set the right limit.

» MORE: What you need to know about wildfire insurance

Sinkholes

Much of Kentucky is built on karst, a type of terrain that is responsible for the state's well-known caves, as well as the occasional sinkhole. A sinkhole can cause significant damage to your home, and standard homeowners policies often won’t cover it. If you live in an area with a higher risk, check to see whether your policy covers sinkhole damage. If not, consider buying additional sinkhole coverage.

» MORE: Home insurance calculator: Estimate your rate

Kentucky insurance department

The Kentucky Department of Insurance regulates the state’s insurance market and provides resources for consumers. You can file a complaint against your insurance company with the agency online, by mail or by fax. If you need assistance, call the Kentucky Department of Insurance toll-free at 800-595-6053.

How we rate homeowners insurance

NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as consumer experience, coverage, discounts and financial strength.

In our research, we analyzed:

View our complete homeowners insurance rating methodology.