Kentucky residents should be aware of the various natural disasters they may face. The most common types of insurance claims include flooding, mudslides, winter storms and sinkholes, but there are also options for those who need coverage for other issues, such as earthquakes and tornadoes.
Average Homeowners Insurance Cost in Ky
Kentucky homeowners insurance is quite affordable compared to the cost in other states. It is important to note that the cost of your premium will vary depending on a number of factors. For example, the age of your home may impact your premiums. It is also possible to find out the coverages that are part of your policy. This can help you determine how much protection you really need.
Getting a quote online is the best way to see how much your home insurance will cost. Compare the quotes of top companies in your region and make an informed choice about which insurance company is right for you.
Best Overall - Allstate
Allstate Kentucky is one of Kentucky’s top home insurance providers. It offers low prices and excellent customer service, plus many add-ons for customizing your policy. It's a great option for those looking to save on insurance and still get the most coverage.
USAA: Best Value for Military Customers
J.D. Power gives USAA's veterans and active service members some of the highest ratings in customer satisfaction. Power, along with a low rate on average for their customers. Along with its low rates, the company also offers 24/7 customer support and a range of additional services.
Travelers - the most affordable for new homeowners
If you are new to Kentucky and need home insurance, you should look into Travelers. For those living in new homes, Travelers provides a range of insurance coverage options. These include increased property coverage as well as home-sharing protection for Airbnbers.
A home insurance policy from Travelers provides financial liability coverage to protect your personal belongings from theft or damage caused by natural disasters and other risks. It offers many discounts and options to save you even more.
Choose the best company to insure your home. Insurify will allow you to compare multiple quotes from top insurers in order for you to get the best coverage and price.
Landslides and Mudslides are Not Covered by Most Policies
You should find out if you can get a policy for your home that covers mudslides and landslides if you live in an area prone to landslides. These policies can fill the gaps left in standard insurance policies which leave you susceptible to damage from landslides.
Pools can increase your insurance premium in many states. In most states, homeowners who have pools pay higher premiums than those without.