The best home insurance companies in Kentucky are State Farm, Cincinnati Insurance, Nationwide, Westfield Insurance and Encompass. Nationwide ranks first for coverage options, Westfield leads in affordability and State Farm stands out for customer service. Compare all our top picks below.
Best Homeowners Insurance in Kentucky
Updated: November 4, 2025
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Key Takeaways
Our 2025 study found Kentucky's top three home insurance companies: State Farm, Cincinnati Insurance and Nationwide.
State Farm offers the best overall home insurance for most Kentucky homeowners, including those with older homes.
To choose the best option, determine your coverage needs, research costs and company details and compare multiple quotes.
Who Are Best Home Insurance Companies in Kentucky?
| State Farm | 90 | 3 | 1 | 4 |
| Cincinnati Insurance | 85 | 2 | 3 | 3 |
| Nationwide | 84 | 5 | 2 | 1 |
| Westfield Insurance | 82 | 1 | 4 | 4 |
| Encompass | 76 | 4 | 5 | 2 |
*Our ratings consider combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.
Best Homeowners Insurance Companies by Category
Your best provider may differ based on your home type or personal needs.
| State Farm | 90 | Overall |
| State Farm | 89 | Older Homes |
| State Farm | 89 | Newer Homes |
| State Farm | 90 | High-Fire-Risk Areas |
| State Farm | 91 | Bad Credit |
| State Farm | 89 | With Claims History |
Best Kentucky Home Insurance by City
Home insurance provider rankings in Kentucky cities vary in affordability, local customer service, and available add-on coverages. For example, State Farm ranks best in Bowling Green, Lexington-Fayette, and Louisville/Jefferson with MoneyGeek scores of 90 and 91, respectively.
| Bowling Green | State Farm | 90 |
| Lexington-Fayette | State Farm | 91 |
| Louisville/Jefferson | State Farm | 91 |
Best Kentucky Home Insurance Reviews
Look at leaders in affordability, customer service, and coverage options, with insights from the MoneyGeek score.
Westfield Insurance: Best for Affordability
Westfield is the most affordable home insurance provider for most Kentucky homeowners. It delivers strong customer service that exceeds industry standards, earning excellent satisfaction ratings from J.D. Power in the Central U.S. region. Westfield offers inland flood endorsement that covers flooding from events like rapid snowmelt and excessive rainfall, and service line coverage that covers the cost of repairing or replacing underground utility lines.
Data filtered by:
$100K Dwelling / $50K Personal Property / $100K Liability
1000
Below Fair
1 claim in past 5 years
| Newer Homes | $142 | $1,707 |
| Newer Homes in High-Fire-Risk Areas | $142 | $1,707 |
| Older Homes | $204 | $2,446 |
| Older Homes in High-Fire-Risk Areas | $204 | $2,446 |
State Farm: Best for Customer Service
State Farm ranks seventh nationally for customer satisfaction according to J.D. Power. State Farm offers an increased dwelling limit that automatically extends dwelling coverage up to 20% above your chosen limit, replacement cost coverage for personal belongings and coverage add-ons.
Data filtered by:
$100K Dwelling / $50K Personal Property / $100K Liability
1000
Below Fair
1 claim in past 5 years
| Newer Homes | $144 | $1,722 |
| Newer Homes in High-Fire-Risk Areas | $144 | $1,722 |
| Older Homes | $239 | $2,871 |
| Older Homes in High-Fire-Risk Areas | $239 | $2,871 |
Nationwide: Best for Coverage
Nationwide is also the best overall option for coverage add-ons in the state, and it has low rates for new homes. It offers better roof replacement and doubling dwelling coverage limits. Nationwide's customer service is ranked eighth overall and fifth in claims satisfaction, according to J.D. Power.
Data filtered by:
$250K Dwelling / $125K Personal Property / $200K Liability
1000
Good
Claim free for 5+ years
| Newer Homes | $104 | $1,251 |
| Newer Homes in High-Fire-Risk Areas | $126 | $1,514 |
| Older Homes | $176 | $2,117 |
| Older Homes in High-Fire-Risk Areas | $214 | $2,562 |
How to Find the Best Home Insurance in Kentucky
Selecting the right insurance can be tough, so we've prepared a straightforward guide to help you find coverage that fits your needs.
- 2Research costs and discounts
Figure out how much home insurance costs in Kentucky to see if providers offer savings for you.
- 3Find the best providers for you
After researching coverage and costs, narrow your search to find Kentucky's best and cheapest home insurance.
- 4Compare multiple providers through all means
Compare providers to find the best option.
- 5Review and finalize your choice
Once you have made comparisons and chosen a provider, review all details before finalizing.
Best Homeowners Insurance in Kentucky: Bottom Line
State Farm, Cincinnati Insurance, and Nationwide are the best-rated homeowners insurance providers in Kentucky. Still, shopping around and reviewing coverage details can help you choose the right insurer for your specific needs.
Best Home Insurance in Kentucky: FAQ
Explore our FAQ section for quick answers on choosing the right home insurance provider in Kentucky.
Which company is best for home insurance in Kentucky?
State Farm is the best homeowners insurance provider in Kentucky due to its affordability, customer service, and strong add-on coverage options. Cincinnati Insurance, Nationwide, Westfield Insurance, and Encompass are also great options in the state.
Who has the most affordable homeowners insurance in Kentucky?
Affordable homeowners insurance in Kentucky hinges on factors unique to the homeowner's situation. Though, Kentucky's average homeowners insurance cost is $1,409 annually.
How do you get the best homeowners insurance in Kentucky?
To find the best home insurance in Kentucky, decide on your coverage needs, research costs and providers, and compare multiple options.
How We Decided the Best Home Insurance in Kentucky: Our Methodology
We rated the best homeowners insurance providers in Kentucky using this methodology:
- Affordability (55%): Providers scored higher if they were more affordable across factors. We also evaluated the range of discounts offered.
- Customer satisfaction (30%): Scores were based on ratings from sites like Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling.
- Coverage (15%): We assessed the number of add-on options, unique features and availability by state.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.