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Kentucky Homeowners Insurance

Like most Americans, the purchase of your home is possibly the biggest investment you will make in your lifetime and you will indisputably want to protect it.

InsureMe wants to help. By entering your information to the right, we will provide you with up to five free quotes on Kentucky homeowner's insurance. Comparing quotes with InsureMe is the simplest way to find the right Kentucky homeowner's insurance for your treasured abode.



Protect Yourself with Kentucky Homeowners Insurance


Am I required to purchase Kentucky homeowner's insurance?

While Kentucky law does not require you to purchase Kentucky homeowner's insurance, your lender might. If you finance your home, you may be required to purchase Kentucky homeowner's insurance in order to protect the investment of the lender in case your home is damaged or destroyed.

You may cancel your Kentucky homeowner's insurance after your loan is paid off, but doing so puts your home—and your wallet—at great risk for loss.

What kind of Kentucky homeowner's insurance should I buy?

There are multiple forms of Kentucky homeowner's insurance; the three most common forms are basic, broad and special.

Basic—protects your dwelling from the basic 11 perils, some of which include fire and lightning, hail, windstorm and theft.

Broad—protects your dwelling from the basic 11 perils plus six more, some of which include weight of snow and ice, building collapse and water damage from home appliances.

Special—protects your dwelling from all perils with the exception of flood and earthquake.

You will want to go over the different forms of Kentucky homeowner's insurance in detail with your agent to ensure that you purchase the right policy for you.

Where do I purchase flood insurance?

The National Flood Insurance Program (NFIP) offers flood insurance in approximately 300 Kentucky communities. You may purchase flood insurance through your Kentucky homeowner's insurance agent, or through the NFIP at (800) 427-4661.

What if I am turned down for Kentucky homeowner's insurance?

You may be turned down for Kentucky homeowner's insurance if you have filed multiple claims in the past, or if you live in a remote area far from fire protection services. Regardless of these issues, you may purchase Kentucky homeowner's insurance through the Kentucky Fair Access to Insurance Requirements Plan (FAIR). 

Almost anyone can buy insurance through the Kentucky FAIR Plan as long as the property meets basic fire prevention and safety standards.

Will Kentucky homeowner's insurance protect me from financial loss if my dog bites someone?

Unless specifically excluded, your policy may cover your liability for one bite. At that point, your Kentucky homeowner's insurance company will be forced to examine the nature of the situation and decide whether to cancel or non-renew your policy.

You may find that Kentucky homeowner's insurance companies reject you outright if you have a dog that could be a potential threat to other people. Or, they may write you a policy excluding dog bites—which means if Fido bites, the damages will come out of your pocket.

Be sure to ask your agent what the stipulations are for canines in your Kentucky homeowner's insurance policy—and by all means, check with your agent before you bring a new pooch into the household.

Other Premium-Raising Items

Decks, trampolines and swimming pools may add to your Kentucky homeowner's insurance premium for the simple fact that they increase the risk of injury on your property. Be sure to ask your agent about coverage on these items before purchasing Kentucky homeowner's insurance.

What if I still have questions about Kentucky homeowner's insurance?

For more information on Kentucky homeowner's insurance, contact the Kentucky Department of Insurance at (800) 595-6053, or visit them on the Web.

Insure Your Home Today.

Don't wait for tragedy to strike. Simply enter your information to the right and InsureMe will send you up to five free quotes on Kentucky homeowner's insurance!


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