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Kentucky Home Insurance

Put Your Home In Good Hands.

From your old Kentucky home in Louisville or Bowling Green to a new construction in Lexington, homeowners insurance from Allstate can help you protect many different aspects of your home.

With an Allstate home insurance policy, you can rest easy knowing you have the support of a local, dedicated agent who's there for you. Find your agent to discuss the ways you can protect your home and your family with homeowners insurance.

State Map

Home insurance information is based on your current location.



What Does Home Insurance Protect?

You can help protect your home's physical structure, your belongings and even your family with home insurance. Most Allstate home insurance policies in Kentucky include standard coverage, like:

  • Dwelling (home structure)
    This type of insurance is what can help protect the physical structure of your home, like the walls and the roof.
  • Other structures
    This type of insurance can help protect the physical structure of buildings on your property that are separate from your home, such as a shed or a stand-alone garage.
  • Personal property
    Personal property coverage can help protect the belongings inside your home, which can include belongings like furniture, bicycles, stereos and more. If these belongings are stolen or damaged outside of your home, personal property coverage could also help you replace them.
  • Liability protection
    Liability insurance can help protect you if someone makes a claim against you or sues you for damages after being injured on your property.
  • Guest medical protection
    This type of coverage can help cover the cost of medical expenses for a person who's injured on your property.
  • Additional protection
    Standard Allstate homeowners policies include additional protection. One example of this is reimbursed living expenses coverage, which can help cover increased costs of living like hotel stays in the event your home is uninhabitable after a covered loss.

Get Added Protection.

Most home insurance policies don't include protection from flood and earthquake damage. If you're interested in safeguarding your home from flood damage, think about purchasing a separate flood insurance policy.

You may also consider personal umbrella insurance for additional liability protection in Kentucky. This type of policy offers liability coverage beyond your current home and auto policy limits, so it can help protect your finances if you're sued over a covered loss.

Now only Allstate offers these three unique features* together to help protect your rate from going up if you have a claim and reward you by saving you money when you don't. Features like:

  • Claim RateGuard® - Helps protect your rate from going up just because you file a home claim.**
  • Claim Free Rewards - Get a discount for starting out claim-free, plus money back for every year you don't have a claim.
  • NEW! Deductible Rewards for Home - Get $100 off your home deductible when you sign up, plus an additional $100 off each year you don't have a claim - up to $500.***

Claim or not, Allstate House & Home Insurance can help protect you and save you money.

Find an agent for more information about additional policies and optional coverage that could help protect what's important to you.

You Can Depend On Your Local Kentucky Agent.

With Allstate home insurance, you can expect more than just quality coverage. You'll also benefit from the support of a knowledgeable local agent who understands the needs of homeowners in the Bluegrass State. Your Kentucky home insurance agent can:

Find an agent who can answer your questions about Kentucky home insurance in Louisville, Bowling Green, Lexington and beyond.

Home Insurance Discounts In Kentucky.

With Allstate, you can save on Kentucky home insurance. There are many discounts available to help you lower your premium. Talk to your agent for information about the home insurance discounts that could help you save.

Learn more about Allstate home insurance discounts.

*Features are optional and a part of the Enhanced Package. Subject to terms, conditions and availability. Savings will vary.
**This feature applies to one claim every five years.
***Must add Enhanced Packaged within 60 days of policy inception to earn an additional $100 reward at the 1st annual renewal. Max deductible rewards that can be used in event of a claim is $500. Subject to availability. Not available in all states. Exclusions apply.

Insurance, coverage and discounts are subject to terms and conditions, which may vary by state. Discount amounts and total savings will vary. Other terms, conditions and exclusions may apply.
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