Kentucky homeowners need to know how they can protect their properties from natural disasters. Most insurance claims involve flooding, mudslides or winter storms. There are also other types of coverage, including earthquakes and tornades.
Average Home Insurance Cost Ky
Kentucky homeowners' insurance costs are relatively low, especially in comparison to other states. It is important to note that the cost of your premium will vary depending on a number of factors. The age of the home, for example can affect your premiums. Find out what is covered in your policy to help you decide the level of coverage you need.
Get a quote to know how much insurance for your house will cost. Compare quotes from the top insurance companies in your locality and make an educated decision about which insurer will be best for you.
Allstate - Best Overall
Allstate is the leading home insurance provider in Kentucky. Low rates and good customer service are available, as well as a range of optional add-ons that can be used to customize the policy. This is a good choice for those who want to save money, but also get the best coverage.
USAA – Best Value for Military Customer
J.D. Power has given USAA some of its highest customer satisfaction ratings for veterans and active duty service members. USAA has a low average rate for its customers, as well as a high rating from J.D. Aside from its affordable rates and 24/7 customer support, the company offers a wide variety of additional services.
The Best Deals for New Homeowners
You should choose Travelers to cover your home insurance if you are a first-time homeowner in Kentucky. For those living in new homes, Travelers provides a range of insurance coverage options. These include increased property coverage as well as home-sharing protection for Airbnbers.
A Travelers home insurance policy provides financial liability protection to protect your belongings against theft and damage caused by natural catastrophes or other risks. You can also save more with the variety of discounts and add-ons.
You should choose the most suitable home insurance provider for you. By using Insurify, you can compare side-by-side quotes from top insurance companies to find the right coverage at the best price for your situation.
Most policies don't cover landslides and mudslides
If you live near a land slide-prone area, you should look into your options for a home policy that offers mudslide and landslide coverage. These policies are meant to fill the gaps in your standard policy that leaves you exposed to damage caused by landslides.
In many states, pool owners pay higher insurance premiums. A pool increases the size, value and risk of your home, so it's important to ensure you have enough coverage to protect your home in case of a disaster.