Kentucky homeowners must know how to protect themselves from the natural disasters which can strike this state. Most insurance claims involve flooding, mudslides or winter storms. There are also other types of coverage, including earthquakes and tornades.
Average Homeowners Insurance Cost in Ky
The cost of homeowners insurance in Kentucky can be quite affordable, especially compared to other states. Note that the price of your premium can vary depending upon a variety of factors. The age of the home, for example can affect your premiums. It is also possible to find out the coverages that are part of your policy. This can help you determine how much protection you really need.
Get a quote to know how much insurance for your house will cost. Compare the quotes of top companies in your region and make an informed choice about which insurance company is right for you.
Allstate - Best Overall
Allstate is a popular provider of home insurance in Kentucky. Allstate offers affordable rates, excellent customer service and a wide range of options to customize your policy. Anyone who wants to save money while still getting the best protection is wise to choose this policy.
USAA – Best Value for Military Customer
J.D. Power gives USAA's veterans and active service members some of the highest ratings in customer satisfaction. With a low-average rate and a power rating, USAA's customers are happy. This company not only offers affordable rates but also 24/7 customer care and many additional services.
Travelers - the most affordable for new homeowners
Travelers is the best option for new homeowners in Kentucky. Travelers offers many insurance options to those who are new homeowners, such as increased property coverage or home-sharing coverage.
The Travelers Home Insurance policy offers you financial liability to protect all of your possessions from theft, damage and natural disasters. It also offers a variety of add-ons and discounts to help you save even more.
In order to protect your investment, it is important that you select the best insurance company. Insurify will allow you to compare multiple quotes from top insurers in order for you to get the best coverage and price.
Landslides, mudslides, and other mudslides may not be covered by most policies
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 were designed to fill any gaps in standard policies leaving you vulnerable to damages caused by landslides.
In many states, pool owners pay higher insurance premiums. Your home's size, value, and risk increase when you add a pool. Make sure that your insurance policy is adequate to cover your home in the event of a catastrophe.