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Kentucky Home Insurance

Owning a home in Kentucky means enjoying diverse landscapes and vibrant communities. With the right homeowners insurance, your home is protected from the unexpected, so you can focus on enjoying life in Kentucky without worrying about what might come your way.

Is home insurance required in Kentucky?

MKentucky law doesn’t require homeowners to have insurance on their property, but if you finance your home through a mortgage, your lender will likely require you to have homeowners insurance. Even if you own your own home outright without a mortgage, it’s highly advisable to be insured. Home insurance is not a one-size-fits-all product. It should be tailored to your specific situation and needs.

Typical Kentucky homeowners insurance coverages

  • Coverage A – Dwelling:

    Coverage for your home and attached structures for damage caused by events such as fire, lightning, wind or hail.

  • Coverage B – Other structures:

    This covers damage to other structures on the property that are set apart from the dwelling, such as a fence, shed or detached garage.

  • Coverage C – Personal property:

    Coverage for your belongings, such as furniture, clothing and electronics, if they’re damaged by a peril listed in your policy.

  • Coverage D – Loss of use:

    This covers your temporary living expenses when a covered loss makes your home unfit to live in.

  • Coverage E – Personal liability:

    This covers damage or injury to another person on their property that you’re responsible for causing. It also covers legal assistance for claims made against you.

  • Coverage F – Medical payments to others:

    This coverage can pay for medical bills for people who are accidentally hurt on your property, not including members of your household.

Remember, each of these coverages is subject to a policy limit, deductible and exclusions, which are specified within your policy.

Your homeowners insurance won’t cover flood damages, so it helps to ensure you’re properly covered if there’s a flood. Flood insurance policies are available and are written through the federally backed National Flood Insurance Program. It’s common for mortgage companies to require flood insurance if your home is within or near a floodplain. Regardless, a flood can occur anywhere, and it’s a good idea to buy this additional coverage.

Additional coverages in Kentucky

You may find the general coverages afforded in a basic homeowners policy don’t cover certain losses or types of property. Amica offers home insurance options in the form of policy endorsements that can fill in some of those gaps in coverage. Adding endorsements to your Kentucky homeowners insurance policy can provide valuable additional coverage tailored to your specific needs. Here are a few endorsements you might consider:

  • Special computer coverage:

    Additional protection beyond what’s included in your policy for devices against direct physical loss, like accidental damage or theft. Devices covered under special computer coverage include:

    • Desktops
    • Laptops
    • Smartphones
    • Gaming devices
    • Smart TVs

  • Identity fraud:

    Identity theft is a growing concern, and this endorsement can help cover expenses associated with restoring your identity, such as legal fees, lost wages and other related costs.

  • Water backup and sump overflow:

    Unexpected and accidental water damage, like from an appliance or burst pipe, is covered by most homeowners insurance policies. But, at the same time, they also exclude coverage for backed-up sewers and drains. This endorsement provides coverage for water that backs up through drains and sump pumps.

  • Scheduled personal property:

    If you have high-value items such as jewelry, fine art or collectibles, a basic homeowners policy may not provide sufficient coverage. With this endorsement, you can insure specific items to make sure they’re adequately covered against loss or damage.

  • Earthquakes:

    A standard Kentucky policy excludes damage caused by earth movement, including earthquakes. This endorsement would extend coverage to damage caused by an earthquake.

Understanding rate factors for Kentucky home insurance

The location of your home is one factor that impacts home insurance premiums. Different areas may face varying risks and exposures that will impact your policy premium, such as your proximity to tornado-prone areas.

Your Kentucky insurance policy should be as unique as your residence, tailored to your specific needs and circumstances. That’s why we emphasize the importance of selecting the right coverage. By customizing your policy to suit your coverage needs, you not only ensure adequate protection for your home but also gain some control over your rates.

Save more with Kentucky homeowners insurance discounts

There are several ways Kentucky homeowners can save money on home insurance without compromising the quality of their coverage.1 We offer home insurance discounts for:

  • Alarm systems: Receive a discount when you insure a home with a burglar alarm, sprinkler system or fire alarm.
  • Automatic detection devices: Insure a Kentucky home with a temperature monitoring, water leak detection or gas leak detection system installed and receive a discount.
  • New or remodeled homes: Receive a credit when you insure a new or fully remodeled home.
  • Claim-free: Earn a discount when you’ve had no claims in the past three years.

If these don’t apply to you, we also offer discounts for:

  • AutoPay: Receive a discount when you opt to pay your premium using automatic deductions. 
  • E-discount: Get a discount when you sign up to receive policy information and bills electronically. 

One of the best ways to conveniently manage all of your insurance needs and save money at the same time is to bundle your insurance coverages for home and auto with the same insurance company. In fact, Kentucky homeowners who bundle home and auto insurance with Amica could save up to 20% with a multiline discount.1

Facts and figures about Kentucky

Common claims in Kentucky:

  • Weather-related claims: Kentucky is susceptible to various weather-related risks such as heavy rainfall, thunderstorms and tornadoes. The rain and wind can cause various types of damage to homes, including roof damage, siding damage and water intrusion. Homeowners insurance typically covers damage caused by windstorms, hail, lightning and other weather-related perils.

The heavy rainfall in Kentucky may lead to flooding, particularly in low-lying areas; because of this, obtaining a separate flood insurance policy is often necessary to ensure protection for your home and belongings.

Fun facts about Kentucky:

  • Clogging, a folk dance that involves striking the floor with wooden-soled shoes known as clogs, has been recognized as the official dance of Kentucky since 2006.2
  • Kentucky is distinctively bordered by rivers on three sides: the Ohio River to the north, the Mississippi River to the west, and the Big Sandy and Tug Fork rivers to the east.2
  • Kentucky is home to Mammoth Cave National Park. This park features the world's longest cave system and has been designated as a UNESCO World Heritage Site.2

How to get home insurance in Kentucky

We’re here to guide you through the process of personalizing your homeowners insurance in Kentucky. Here’s how to secure your policy in three easy steps:

  1. Assess your coverage needs:

    An Amica representative can provide personalized guidance and help you navigate your options to find the right coverage for your needs.

  2. Discover potential discounts:

    A representative can also assist you in exploring potential discounts or cost-saving measures available to Kentucky homeowners based on your unique circumstances.

  3. Get a quote:

    Amica offers convenient options for getting a quote. You can either get a home insurance quote online or call 800-242-6422 today to speak with a representative.

With Amica, you can rest easy knowing that your home is safeguarded against the unexpected, allowing you to focus on what matters most – enjoying life in beautiful Kentucky.

Get a home insurance quote

or call 833-513-3881

1 Discounts not available in all states and may vary.
2 88 Fun Facts About Kentucky: The Bluegrass State
 

Your Policy, Policy Declarations or Amended Declarations in effect on the date of loss is the primary source of reference for your coverage, coverage limits and deductible amounts.

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