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Comprehensive Local Home Insurance Guide

Kentucky Home Insurance

Home Insurance Premiums in KY

^ Kentucky residents paid average home insurance premiums of $601, which ranks 42nd in the nation. [1]

Home Insurance in KY by City

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Affordable Home Insurance in KY

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Home Insurance Providers in Kentucky

KY Home Insurance

Home Insurance in Kentucky

Kentucky Home Insurance Rates


  • Home Insurance Rates: KY vs. U.S. [1]
    • Kentucky residents paid average home insurance premiums of $601.
    • This average home insurance premium in Kentucky is 39% less than the national average of $978.
    • Kentucky ranks 42nd in the nation in home insurance rates.

Owner-Occupied Housing Units in Kentucky


  • Owner-Occupied Housing: KY vs. U.S. [2]
    • In Kentucky, 67% of housing units are owner-occupied.
    • This owner-occupied rate in Kentucky is 5% greater than the national average of 63.9%.
    • Kentucky ranks 22nd in the nation in share of housing that is owner-occupied.

Kentucky Renters Insurance Rates


  • Rent Insurance Rates: KY vs. U.S. [3]
    • Kentucky residents paid average rent insurance premiums of $149.
    • This average rent insurance premium in Kentucky is 20% less than the national average of $187.
    • Kentucky ranks 34th in the nation in rent insurance rates.

Home Ownership Costs in Kentucky

Household Income Spent on Home Ownership Costs in Kentucky [4]

Kentucky residents spent an average of 26.1% of household income on home ownership costs, which is 23% less than the national average of 33.7%.


Household Income Spent on Rent and Utilities in Kentucky [5]

Residents of Kentucky spent an average of 42.7% of household income on rent and utilities, which is 11% less than the national average of 48.1%.


Renters Insurance Providers in Kentucky

Liberty Mutual

Liberty Mutual
  • Get renters insurance for pennies a day.
  • 24-Hour claims assistance.
  • Protection from theft, fire, and more.
  • Home computer and smartphone coverage.

Learn More

USAA

USAA
  • Get renters insurance for as little as $12 a month.
  • Get replacement cost coverage for your items.
  • Repair or replace your stolen or damaged property with items similar in quality and worth.
  • Get a personalized quote based on your needs.

Learn More

Additional information about Kentucky

About Kentucky

The state of Kentucky has a population of approximately 4,339,367, ranking 25th in the nation. [6]

KY Home Insurance

KY Home Insurance

For more information about Kentucky Home Insurance, or for additional resources regarding home insurance overall, visit the Kentucky Department of Insurance.

Did you know?

In 2010, water damage and freezing accounted for 21.3% of all home insurance losses in the United States.

Kentucky Cities

Kentucky ZIP Codes


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References

1. ^ United States Census Bureau (2009)

2. ^ U.S. Department of Commerce (2012)

3. ^ United States Census Bureau (2009)

4. ^ Insurance Information Institute (2012)

5. ^ Insurance Information Institute (2012)

6. ^ United States Census Bureau (2010)