Home Insurance in Kentucky

Home Insurance in Kentucky averaged $1,525 a year in 2023, 12% below the national average, per the NAIC, plus the rules that shape your policy.

What home insurance costs in Kentucky

Homeowners in Kentucky paid an average of $1,525 a year on a standard HO-3 policy in 2023, 12% below the national average of $1,737. HO-3 is the form most owner-occupied homes are written on; averaged across every owner-occupied and dwelling-fire form the figure is $1,484.

Kentucky rules worth knowing

• HO-8 (older homes, repair-cost basis): $876 a year
• Regulator: Kentucky Department of Insurance

Source: NAIC Homeowners Insurance Report, 2023 data. Figures are the most recent the NAIC has published; nothing on this page is estimated or modelled.