Kentucky homeowners must know how to protect themselves from the natural disasters which can strike this state. 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. Your premium cost will vary based on various factors. The age of the home, for example can affect 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. You can compare quotes with top companies around you and decide which one is the best.
Allstate Best Overall
Allstate is the leading home insurance provider in Kentucky. It has low rates, good customer service ratings and offers a variety of extras to customize your insurance 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
For veterans and active-duty service members, USAA has some of the best customer satisfaction ratings from J.D. The company has an average low rate of customer satisfaction, and is rated highly by J.D. Along with its low rates, the company also offers 24/7 customer support and a range of additional services.
Travelers: The most affordable options for new homeowners
If you are a new homeowner in Kentucky, then you should consider Travelers for your home insurance needs. It offers a variety of insurance options for those who live in new homes, including increased property coverage and home-sharing coverage 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.
To protect your investment you need to choose the right home insurance company. By using Insurify, you can compare side-by-side quotes from top insurance companies to find the right coverage at the best price for your situation.
Many policies do not cover mudslides or landslides.
You need to know what options you have for home insurance that includes coverage against mudslides or landslides, if your area is prone. These policies are meant to fill the gaps in your standard policy that leaves you exposed to damage caused by landslides.
Pools can increase your insurance premium in many states. Your home's size, value, and risk increase when you add a pool. Make sure that your insurance policy is adequate to cover your home in the event of a catastrophe.