Country Guide
Best Home Insurance in Kentucky (2026)
Kentucky faces tornado and severe storm risks. Compare top carriers for comprehensive KY home coverage.
By Itai Varochik | Updated February 20, 2026
Top Exchanges in Kentucky
| # | Exchange | Best For | Fees | Type |
|---|---|---|---|---|
| 1 | State Farm | Storm coverage | $2,040/yr | — |
| 2 | USAA | Military families | $1,680/yr | — |
| 3 | Erie Insurance | Claims satisfaction | $1,920/yr | — |
| 4 | Allstate | Local agents | $2,280/yr | — |
| 5 | Farmers | Rural properties | $2,160/yr | — |