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.
"The customer staff are very caring. They answer questions promptly and have helped in all my inquiries."
— Linda K.
"Beat all other pricing while not making me sacrifice my personalized coverage."
— Douglas F.
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!).
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.
Other discounts for homeowners in Kentucky include:
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 coverages that come standard with your home policy. What's more, our agents are available at these times to help you with your quote or answer any questions you may have.
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.
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:
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.
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.
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.