Best Homeowners Insurance in Kentucky (2024)

AAA is the top home insurance provider in Kentucky for a balance of affordability and service. However, Auto-Owners is the superior choice for new homeowners seeking robust coverage. We based our comparisons on policies with a $100,000 dwelling coverage limit.

Remember, the amount of dwelling coverage influences your premiums, and it's crucial to determine the right coverage level for your situation. For a closer look at options and the cheapest homeowners insurance companies, explore MoneyGeek's analysis.

Leading the pack for the AAA is recognized as the best home insurance in Kentucky. Take a look at the best overall homeowners insurance providers in Kentucky below.

• AAA: MoneyGeek score of 86 out of 100 ($963 per year)
• Nationwide: MoneyGeek score of 81 out of 100 ($1,205 per year)

In Kentucky, homeowners have access to a range of companies offering diverse cost and service experiences. It's essential to find a balance that suits your individual needs, ensuring affordability without compromising on quality service.

Auto-Owners stands out as the provider offering the best home insurance in Kentucky based on service quality. Homeowners in Kentucky looking for top-notch service quality can trust the two leading providers outlined below for their exceptional scores.

• Auto-Owners: MoneyGeek score of 100 out of 100 ($1,395 per year)
• Nationwide: MoneyGeek score of 85 out of 100 ($1,205 per year)

Choosing a home insurance provider that values service quality ensures responsive support, efficient claims processing, and effective communication. For instance, in the event of storm damage, a provider with high service quality can expedite repairs to restore your home quickly.

In Kentucky, AAA offers the most affordable home insurance. Take a look at the best and cheapest home insurance providers in Kentucky for those on a budget below.

• AAA: MoneyGeek score of 92 out of 100 ($963 per year)
• Cincinnati Insurance: MoneyGeek score of 81 out of 100 ($1,132 per year)

With an affordability score of 75 out of 75, AAA stands out in terms of price. However, the cheapest premiums do not always equate to the best service. When considering the average cost of home insurance in Kentucky, it’s crucial to find a provider that offers a good balance of affordability and quality service, like AAA.

Auto-Owners is the leading choice for Kentucky homeowners with expensive homes. These providers ensure optimal protection for homes requiring $1 million in dwelling coverage.

• Auto-Owners: MoneyGeek score of 82 out of 100 ($6,847 per year)
• Westfield Insurance: MoneyGeek score of 82 out of 100 ($3,416 per year)

Auto-Owners excels with an affordability score of 37 out of 55. Given that expensive homes generally need more comprehensive coverage, which can elevate expenses, finding an insurer that strikes an excellent balance between affordability and quality coverage is crucial.

Auto-Owners offers the top home insurance in Kentucky for those with new homes. The following providers stand out as the best and most affordable homeowners insurance providers in Kentucky for those with new homes:

• Auto-Owners: MoneyGeek score of 90 out of 100 ($2,004 per year)
• Cincinnati Insurance: MoneyGeek score of 79 out of 100 ($1,701 per year)

With an affordability score of 45 and a stellar service score of 30, Auto-Owners garners a notable balance for homeowners weighing both cost and service in Kentucky. This equilibrium ensures policyholders do not have to compromise on quality while enjoying competitive rates.

For veterans and military families, AAA stands out as the best home insurance provider in Kentucky, achieving the top MoneyGeek score in the state. Their annual premium is at an attractive rate of $963. Explore the most reputable and affordable homeowners insurance providers in Kentucky for veterans and military families below.

• AAA: MoneyGeek score of 86 out of 100 ($963 per year)
• State Farm: MoneyGeek score of 81 out of 100 ($1,227 per year)

The preferred homeowners insurance company for veterans acknowledges their unique needs, from frequent moves to potential deployment, ensuring their homes and possessions are safeguarded in any scenario. Visit homeowners insurance for veterans for more details.

The best homeowners insurance providers deliver an optimal mix of superior customer service and comprehensive coverage all at a reasonable cost. The forthcoming steps will enable you to identify the insurance solution that aligns with your unique situation, ensuring your assets are protected while keeping premiums manageable.

Selecting the best homeowners insurance provider in Kentucky hinges on your individual needs and circumstances. We have some frequently asked questions about homeowners insurance providers in the state to help you navigate your options with confidence.