Seguro de viviendas en Kentucky

Protect Your Home with KY Homeowners Insurance

Kentucky homeowners insurance Living in Kentucky, you may not see a lot of snow, but you’re pretty accustomed to the rain. In fact, Kentucky residents can see over 3 inches of rain each month in the Bluegrass State. With that much water and other potential risks, Kentucky seguro de viviendas is an important way to help protect your home and personal possessions.

Types of Coverage Under Kentucky Home Insurance

Your Kentucky home insurance policy comes with several coverages to help protect you, your house and your property. Standard homeowners insurance coverages typically include:
La cobertura de vivienda to help protect your home and the structures attached to it. So, if there is a fire in your kitchen, it will help cover the repairs.
Other structures coverage, which helps protect structures that aren’t directly attached to your house. For example, if a tree falls and damages your garage, other structures coverage can help with the repair costs.
La cobertura de propiedad personal to help protect your personal belongings like furniture or clothing if they’re damaged or destroyed after a covered loss.**
Loss of use coverage to help cover your living expenses, such as hotel expenses, up to your coverage limits if your home is unlivable after it’s damaged.** This is also known as additional living expenses coverage.
La cobertura por responsabilidad civil, which can help cover your legal expenses if someone sues you for injury or property damage.
Medical payments coverage, which helps cover medical expenses up to your policy limits, like if your neighbor trips on your walkway and gets injured.

Extend Your KY Home Insurance Policy

KY homeowners insurance Afraid of major damage to your home? Although your Kentucky home insurance has a wide range of coverages, sometimes you need to add other coverage options to get more protection.
If you’re worried about your insurance policy covering the costs to rebuild your home if it’s destroyed, you can add full replacement cost coverage. This pays your full cost to rebuild your home, if it’s a total loss, up to 125% of your coverage limits.
You can also add our “ProtectorPLUS Zero Deductible” benefit to your policy. This waives up to $5,000 off your base policy deductible if your home has $27,500 or more in damages.**
The AARP Home Insurance Program from The Hartford also offers the following additional coverages for even more protection:
  • Personal Injury Liability Coverage to help cover potential damages from a libel or slander claim.
  • Identity Fraud Expense Coverage to reimburse you for out-of-pocket expenses up to certain limits so you can recover from identity theft or fraud. Refer to your policy for exact limits.
  • Reimbursement for Replacing Locks if you lose your key and need to install new ones.
  • “New for Old” Protection to replace older possessions that get destroyed with new ones of the same quality.
  • Equipment Breakdown Coverage to help cover repair or replacement costs if your appliances suffer from an electrical or mechanical breakdown. It also provides coverage if you want to make “green” upgrades to certain appliances. This coverage pays up to 125% of your cost to replace any covered equipment with similar items that are more energy efficient or environmentally friendly. Keep in mind that normal wear and tear is not covered.
  • Disappearing Property Deductible,‡‡ which reduces your deductible every year after you go three consecutive years without an insurance loss.
It’s important you know that your KY home insurance policy doesn’t cover flood damage. If a storm causes heavy rainfall and your basement floods, your home insurance won’t cover your claim. So, you may want to add flood insurance to your policy to be sure you’re protected.

Kentucky Homeowners Insurance & Mine Collapse

Some states have unique risks that you’ll want to protect your home against. Living in Kentucky, you may have to deal with an underground mine collapse, which could damage your home’s structure.
Your standard Kentucky homeowners insurance doesn’t cover losses resulting from a mine collapse.2 The state passed a law in 1984 establishing the Kentucky Mine Subsidence Insurance Fund (KMSIF) to help cover residents’ losses due to a mine collapse.
Kentucky residents in certain counties can buy insurance coverage through the KMSIF to protect against mine collapses. Without coverage, you may have to file a lawsuit against the coal mining company if your property is damaged by a collapse. But with the KMSIF, you can work with your insurance company to help cover your costs and damages.3

How Much Is Homeowners Insurance in Kentucky?

According to the Insurance Information Institute (III), the average homeowners insurance rates in Kentucky for 2019 were $1,172, slightly below the national average of $1,272. What you pay for your Kentucky homeowners insurance depends on different factors. When you get a quote, homeowners insurance companies in Kentucky will look at your:
  • Lugar
  • Home size
  • Neighborhood’s safety
Each home is different, so it’s unlikely you’ll pay the same rate for your Kentucky homeowners insurance as your neighbor. Our team of specialists is here to help you get the right coverage at a price that works for you. In fact, our team regularly receives high marks for customer service, so you can be assured we will gladly help you through the claims process.*
Find an insurance agent or get a home insurance online quote today to find out how much it’ll cost to protect your home.
‡‡ Terms and conditions apply.
Divulgaciones adicionales a continuación.
Los resúmenes de las coberturas y las características de las pólizas son únicamente para fines informativos. En caso de que se produzca una pérdida, los términos y condiciones reales establecidos en su póliza determinarán su cobertura.
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.
El programa de seguros para automóviles de AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MA por Trumbull Insurance Company; y en PA por Nutmeg Insurance Company y Twin City Fire Insurance Company. El programa de seguros para viviendas de AARP de he Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está subscrito en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Property and Casualty Insurance Company of Hartford; en WA por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y en PA por Nutmeg Insurance Company. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida. Los ahorros, los beneficios y las coberturas disponibles pueden variar y es posible que algunos solicitantes no sean elegibles. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.
1 En Texas, el programa para automóviles está respaldado por Redpoint County Mutual Insurance Company a través de Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros suscritos y emitidos por Redpoint County Mutual Insurance Company. El programa para viviendas está respaldado por Hartford Insurance Company of the Southeast.
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.