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kentucky homeowners insurance

Your home in Kentucky is more than where you live. It's also one of your largest and proudest investments, a symbol of security for your family's future. That's why it's so important to choose the right Kentucky home insurance, one that safeguards your finances no matter what perils come your way.

Get a free quote for homeowners insurance in Kentucky and explore top-tier coverage options for your home, personal belongings, liability, and more. That way, you can stay prepared for the unexpected, and keep your place and hard-earned assets safe.

save more with discounts in kentucky

While the grass in your state is known for turning blue, we think residents should be known for saving green. And while you're getting your free quote, you'll see a mix of discounts, all intended to keep more money in your wallet (and reward you for being a diligent homeowner!).

Preferred Buyer discount

Couldn't be simpler — you qualify for this discount just by getting a policy with Esurance. By remaining a responsible customer and making on-time payments, you'll keep saving over time.

Multi-Policy discount

Do you already insure your car with Esurance? Great! By bundling your Kentucky home and auto policies with us, you'll save some green with our Multi-Policy discount.

Other discounts for homeowners in Kentucky include:

  • Loyal Customer discount
  • DIY Inspection discount
  • Claim-Free discount
  • Home Safety Features discount
  • Smoke-Free discount
  • Welcome Home discount
  • Hail Resistant Roof discount
  • Future Effective Date discount
  • New Home discount

kentucky home coverages from esurance

A reliable Kentucky homeowners insurance policy should include coverage for the things you keep at home, not just the structure of your house (though that's important!). At Esurance, we provide an extensive mix of coverages that come standard with your home policy.

Dwelling protection

Kentucky is prone to scorching summers, below-freezing winters, and even averages 21 tornadoes a year, all of which could leave your house vulnerable to the elements. Fortunately, your policy guards against hazards like hail, wind, and more, and pays for repairs to your home if it's damaged by certain types of severe weather.

Family liability protection

Your policy covers accidental injuries or damages you (or someone on your policy) cause to someone else's property. This coverage could even help pay liability costs like legal fees, medical bills, and settlements.

There's no deductible associated with this coverage, so you can keep that money in your pocket. Plus, you can always increase your liability coverage limit if you'd like.

Other standard coverages in the Bluegrass State include:

  • Personal property protection
  • Additional living expense coverage
  • Guest medical protection
  • Other structures coverage

increase your protection with additional coverages

Everyone has different needs when it comes to home insurance. At Esurance, we provide you with a wide range of coverage options (as well as a flexible payment schedule), so you can build a policy that's unique to you and your home.

While you're getting your free Kentucky home insurance quote, you'll be able to add these optional coverages.

Additional coverage on jewelry, watches, and furs

Want a little extra protection for that gold watch? Luckily, you can get additional coverage for your high-ticket items like jewelry and even fine furs. If your most prized possessions exceed the limits of basic personal property protection, this coverage can be a real lifesaver if your valuables are ever stolen or damaged.

For even more protection for your valuables and more, Esurance also offers identity theft expense coverage, golf cart coverage, and eco upgrade coverage.

Related links

Hidden valuables in your home
Learn about the household treasures that might be worth more than you think.

How is my premium decided?
Check out the things insurers look at when calculating your homeowners insurance cost.

Wonder if you could be saving on homeowners insurance?

get your free quote online

or call 1-866-439-5633