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The Best Homeowners Insurance Companies in Kentucky

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    With so many different providers to choose from, it can be difficult to tell which homeowners insurance provider in Kentucky has the best deal to offer. Thankfully, residents needn’t look further than this guide to find the best insurance solutions for their needs.

    In this guide, we’ve analyzed Kentucky’s top homeowners insurance providers for their customer service, breadth of coverage, available discounts, and market share. Through our research, we’ve identified Auto-Owners as the best homeowner’s insurance company in Kentucky; however, there are plenty of other options available to meet residents’ needs. Read on to discover which insurance providers and products are available to you.

    The 5 Best Homeowners Insurance Companies in Kentucky

    Compare Kentucky’s Top Insurance Companies

    CompanyAverage PriceAM Best Financial StrengthJ.D. Power Overall Customer Satisfaction
    Auto-Owners$1,175A++826/1,000
    State Farm$1.948A++831/1,000
    AAA$1,204****
    Cincinnati Insurance$893A+N/A
    Liberty Mutual$1,509A792/1,000

    ** Because AAA is made up of many local “clubs,” data varies by region

    Best Kentucky homeowners Insurance Companies

    Auto-Owners

    Despite what the name suggests, Auto-Owners Insurance isn’t just for vehicle coverage. The company also provides top-notch homeowners insurance solutions for Kentucky residents. Featuring many discount opportunities and a full range of online resources for members, Auto-Owners easily earns its place as the No. 1 option for Kentucky homeowners.

    Auto-Owners

    Best Overall

    Why we chose it

    With the highest rating for financial strength and one of the highest overall customer satisfaction ratings by J.D. Power, Auto-Owners was a no-brainer pick.
    • 4 Reviews Score
    • A++ AM Best Rate AM Best rates car insurance provider’s creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 826* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A+ BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    With the highest rating for financial strength and one of the highest overall customer satisfaction ratings by J.D. Power, Auto-Owners was a no-brainer pick.

    Pros

    • Multiple discounts
    • Intuitive, professional website
    • Full range of online tools

    Cons

    • Unable to make policy changes online
    Read More

    Discounts available

    Multiple policy discount

    •  On-time payment discount
    •  Paid-in-Full discount
    •  Green discount
    •  Advance quote discount
    •  Protective devices discount
    •  Water shut-off system discount
    •  Mortgage-free discount
    •  Automatic backup generator discount

    Unique features

    Auto-Owners Insurance features a unique set of discounts that many residents won’t find anywhere else, such as their water shut-off system and backup generator discounts.  

    *J.D. Power 2020 Home Insurance Customer Satisfaction Survey, based on a 1,000-point scale

    Further Reading on Auto-Owners Insurance:

    State Farm

    State Farm comes in at a close second to Auto-Owners. While its premiums are quite a bit higher than other companies on this list, State Farm makes up for it with excellent customer service and the highest ratings for financial strength backed by AM Best. If financial strength and customer service are what you care about most, State Farm is the best homeowners insurance provider for your needs.

    State Farm

    Best Financial Strength

    Why we chose it

    We included State Farm on this list for its exceptional financial strength and strong improvement on customer satisfaction compared to previous years.
    • 3.75 Reviews Score
    • A++ AM Best Rate AM Best rates car insurance provider’s creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 831* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • N/A BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    We included State Farm on this list for its exceptional financial strength and strong improvement on customer satisfaction compared to previous years.

    Pros

    • Exceptional financial strength
    • Above-average customer satisfaction
    • Intuitive mobile app

    Cons

    • More expensive than other companies in the region
    Read More

    Discounts available

    • Home alert protection discount
    • Multi-policy discount
    • Roofing discounts

    Unique features

    Unlike other homeowners insurance providers in Kentucky, State Farm features an intuitive mobile app so customers can view their policies and make changes on-the-go.   

    *J.D. Power 2020 Home Insurance Customer Satisfaction Survey, based on a 1,000-point scale

    Further Reading on State Farm

    AAA

    AAA is another excellent option for homeowners insurance in Kentucky. The company boasts a respectable financial strength rating by AM Best. However, consumers should note that homeowners insurance options aren’t available unless you’re already a AAA member, and that customer satisfaction varies based on local club.

    AAA

    Best Customer Service

    Why we chose it

    Backed by a powerful financial strength rating, AAA was an easy inclusion on our list of best homeowners insurance providers in Kentucky.
    • ** Reviews Score
    • ** AM Best Rate AM Best rates car insurance provider’s creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • ** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A+ BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    Backed by a powerful financial strength rating, AAA was an easy inclusion on our list of best homeowners insurance providers in Kentucky.

    Pros

    • Strong financial rating
    • Great customer service
    • Wide variety of coverage options

    Cons

    • Only available to members
    Read More

    Available discounts

    • Loyalty discounts
    • Multi-policy discount
    • New home discount
    • Home security discount

    Unique features

    Not only does AAA provide discounts for homeowners insurance, but members can enjoy discounts on their everyday purchases as well through the AAA discounts portal.    

    *J.D. Power 2020 Home Insurance Customer Satisfaction Survey, based on a 1,000-point scale

    ** Because AAA is made up of many local “clubs,” data varies by region

    Further Reading on AAA:

    Cincinnati Insurance

    While little is known about Cincinnati Insurance’s customer satisfaction, we couldn’t ignore the company’s reputation for having the lowest average premiums in Kentucky and multiple discount and policy options. For this reason, we think Cincinnati Insurance is the best homeowners insurance for Kentucky residents seeking the most affordable solution for their coverage needs.   

    Cincinnati Insurance

    Most Affordable

    Why we chose it

    With a strong financial rating by AM Best and the lowest premiums in the state, adding Cincinnati Insurance to our list of best homeowners insurance providers in Kentucky was the obvious choice.
    • 4.33 Reviews Score
    • A+ AM Best Rate AM Best rates car insurance provider’s creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • N/A J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • N/A BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    With a strong financial rating by AM Best and the lowest premiums in the state, adding Cincinnati Insurance to our list of best homeowners insurance providers in Kentucky was the obvious choice.

    Pros

    • Wide variety of coverage options
    • Multiple discount opportunities
    • Respectable financial strength

    Cons

    • No J.D. Power or BBB rating
    Read More

    Discounts available

    • Multi-policy discount
    • New home discount
    • Home security discount
    • Claim-free discount

    Unique features

    One of the best features about Cincinnati Insurance is the fact that their premiums are already low while also providing additional discounts to bring down costs even further.  

    *J.D. Power 2020 Home Insurance Customer Satisfaction Survey, based on a 1,000-point scale

    Liberty Mutual

    Liberty Mutual is yet another solid option for homeowners insurance in Kentucky. Despite the company’s below-average performance in the customer service department and higher-than-average premiums for the region, Liberty Mutual features many add-on coverage options and unique discounts that can help Kentucky residents save. For these reasons, we think this company is a great option for those seeking homeowners insurance in the region.

    Liberty Mutual

    Best Discount Options

    Why we chose it

    We chose Liberty Mutual to round out our list for its unique discounts and additional coverage options.
    • 3.25 Reviews Score
    • A AM Best Rate AM Best rates car insurance provider’s creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 792* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    We chose Liberty Mutual to round out our list for its unique discounts and additional coverage options.

    Pros

    • Add-on coverage options
    • Unique discounts
    • Solid financial rating

    Cons

    • Below-average customer service
    Read More

    Discounts available

    • Claims-free discount
    • Safe homeowner program discount
    • Early shopper discount
    • Newly purchased home discount
    • New/renovated home discount
    • New roof discount
    • Multi-policy discount
    • Preferred payment discount
    • Insured to value discount
    • Paperless policy discount

    Unique features

    Liberty Mutual offers some unique discounts that homeowners would be hard-pressed to find anywhere else, including their paperless policy discount and insured to value discount.      

    *J.D. Power 2020 Home Insurance Customer Satisfaction Survey, based on a 1,000-point scale

    Further Reading on Liberty Mutual:

    Average Cost of homeowners Insurance in Kentucky

    According to the Insurance Information Institute, the average Kentucky resident pays $1,109 for homeowners insurance as of 2017. With the national average at $1,211, that makes Kentucky a pretty reasonable state to live in terms of homeowners insurance costs.

    Home Insurance Add-Ons That Will Further Protect You

    In addition to the standard coverages that come with home insurance, such as personal property protection, homeowners should seek out add-ons that will further strengthen their policies. For example, while personal property like furniture, clothing, electronics, and valuables are generally covered under standard policies, many insurance companies offer additional personal property coverages that will provide replacement costs for any damage incurred to these items. Liberty Mutual, in particular, offers coverage so that if homeowners property is damaged, the company will pay the cash value for damaged items at the time of loss, then up to the full amount of the cost in the current market.

    Homeowners should seek other coverage like medical expenses and injury or property damage to others. This ensures homeowners won’t have to pay out-of-pocket for accidents that affect non-household members. Instead, the insurance provider will reimburse the injured party’s medical expenses if such coverage is added onto the standard policy.

    The Cheapest Homeowners Insurance Companies in Kentucky

    Largest Companies by Market Share in KentuckyAverage Annual Premium
    Cincinnati Insurance Company$893
    USAA$1,125
    Auto-Owners Insurance$1,175
    AAA$1,204
    Garrison Property & Casualty Insurance Company$1,415
    Liberty Mutual$1,509
    Nationwide$1,742
    State Farm$1,948
    Encompass$2,036
    Liberty Mutual Fire Insurance Company$2,229
    Kentucky Farm Bureau Mutual Insurance Company$2,676
    Average Across Insurance Providers$1,632

    Cost of homeowners Insurance by Age of Home

    Age of HomeAverage Annual Premium
    5$1,554
    20$2,109
    35$2,232
    50$2,359
    Average Across Ages$2,064

    Top 3 Cheapest homeowners Insurance Companies in Kentucky

    • Cincinnati Insurance Company
    • USAA
    • Auto-Owners Insurance

    Top 3 Most Expensive homeowners Insurance Companies in Kentucky

    • Kentucky Farm Bureau Mutual Insurance Company
    • Liberty Mutual Fire Insurance Company
    • Encompass

    Helpful Resources for Kentucky Homeowners

    In addition to homeowners insurance, Kentucky residents need to understand the resources available to them that can help them further protect their homes. Kentucky has a specific government program designed to help homeowners navigate their needs and protect their property. The Kentucky Homeownership Protection Center provides a full breadth of helpful online resources to provide residents the insights and assistance they need to protect their homes.

    Homeowners Insurance FAQs

    Is homeowners insurance required in Kentucky?

    Homeowners insurance is not legally required in Kentucky; however, your mortgage lender may require it in order to process your financing solutions. Consult with your lender to find out what type of insurance coverage is required for your home purchase.

    What is the cheapest homeowners insurance in Kentucky?

    The least expensive homeowners insurance company in Kentucky is Cincinnati Insurance Company at $893.

    What add-on coverages should I add to my policy?

    Everyone’s needs are different, so this largely depends on your personal lifestyle and associated risks. However, it’s a good idea to choose additional coverage options that deal in personal property protection and personal liability.

    Methodology

    We evaluated the companies based on their customer rating and experience, financial stability, and coverage to determine the best providers. To compare home insurance companies across the board, we then calculated a Reviews.com score based on the following:

    • Customer Ratings — Customer ratings are an indication of satisfaction with the process of filing a claim. We measured this using J.D. Power Homeowners Satisfaction ratings.
    • Coverage — As there isn’t one company to fit everyone’s needs, we evaluated companies by the amount of coverage options and add-ons available. 
    • Confidence — It is extremely important for insurance companies to fulfill customers’ claims. Companies with sound financial strength will not have issues paying out claims, regardless of the amount. However, companies with weak financial strength might not be able to pay out claims. We measured this using AM Best’s ratings, which specializes in assessing the financial strength of insurance companies.
    • Customer Experience — The amount of complaints a company receives is an indicator of the overall customer experience as it expresses dissatisfaction. We have based this measure on the NAIC National Complaint Index.

    About the Authors

    Carly Severino is a writer for Reviews.com with over 15 years of experience. Over the last four months, she has covered homeowners insurance, auto insurance, internet providers, and more. She writes about insurance and personal finance and her work has been featured in publications such as Bankrate, The Simple Dollar and Coverage.com. The Best Internet Providers of 2020 is Carly’s favorite story on Reviews.com.

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