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If you own a condo, it is important to have the best condo insurance. This type of insurance will protect your home and belongings in case of a disaster or other event. In addition to protecting your belongings from damage or destruction, condo insurance also provides liability coverage that could provide protection in the event of an accident.

Condo insurance is a great way to protect your investment from any potential damage. It covers your condo's interior structure, belongings that are not covered by your homeowners association (HOA) insurance policy.

This guide will help you know about the best condo insurance companies in Kentucky, also find out the least and most expensive zip codes for Kentucky homeowners. Use this resource to find the most affordable condo insurance company in Kentucky under your budget.

KEY TAKEAWAYS
  • Condo owners in Kentucky pay an average of $632 per year or $53 per month in condo(HO6) insurance.
  • Cincinnati Insurance is the cheapest condo insurance company in Kentucky at only $197 per year.

Best condo insurance companies in Kentucky

In Kentucky, you have a lot of options when it comes to finding the best condo insurance company. To make your task easier, our insurance experts have analyzed premiums, coverage offerings, J.D Power score and customer satisfaction rating of all the major insurers across Kentucky. Below are the best condo insurance companies in Kentucky based on Insurance.com's analysis.

  • USAA
  • State Farm
  • Auto-Owners
  • Allstate
  • Nationwide

Compare best condo insurance companies in Kentucky

USAA is our top pick for the best condo insurance company in Kentucky. It has earned 882 scores out of 1000 from J.D. Power, the highest among the carriers surveyed. Although, the services offered by USAA can be availed only by military officials, veterans and their family members. Apart from USAA, State Farm can be your best bet for condo insurance in Kentucky. It has received 835 scores out of 1000 from J.D. Power and an A++ rating from AM Best.

Buying condo insurance is different from getting a standard homeowners insurance policy. Condo insurance and single-family homeowners insurance seem to be the same thing. Just like a traditional home insurance policy, condominium insurance covers -

  • Personal property coverage- This covers your personal belongings such as furniture, electronics, clothing, and jewelry.
  • Liability protection- This provides protection if someone is hurt or injured on your property, or you damage someone else's property.
  • Dwelling coverage- It protects the building itself and any structures in it.
CompanyJ.D. Power scoreAM Best rating
USAA882A++
State Farm835A++
Auto-Owners831A++
Allstate829A+
Nationwide812A+
Safeco810A
Liberty Mutual806A
Travelers800A++

Average cost of condo insurance in Kentucky

The average cost of condo insurance in Kentucky is $632 per year or $53 per month for $40,000 as personal property coverage with a $1,000 deductible and $100,000 in liability protection. However, rates can vary, based on the insurance company you choose and the zip code you live in.

If you are looking to buy a condominium, condo insurance is an important consideration. Not only does it provide coverage for common areas and appliances in the building but also provides protection for personal belongings and the interior of the unit against damage caused by fire or theft, vandalism, or natural disasters.

Investing in a condo is one of the largest investments you'll make in your lifetime. Therefore, it makes sense to protect this investment with condo insurance.

Average annual premiumAverage monthly premium
$632$53

CONDO INSURANCE CALCULATOR

Average condo insurance rates in KENTUCKY

$60,000
$1,000
$100,000
41074 - Dayton
Personal Property Coverage $60,000, Deductible $1,000 and Liability $100,000.

AVERAGE RATE: $627

HIGHEST RATE: $4,378 LOWEST RATE: $251

Most & least expensive zip codes for condo insurance in Kentucky

Most Expensive

Zip CodeCityHighest Rate
42001Massac$783
42003Farley$780
42086West Paducah$768
42082Symsonia$766

Least Expensive

Zip CodeCityLowest Rate
40162Rineyville$496
42757Magnolia$498
40176Webster$511
41052Jonesville$516

Condo insurance rates by companies in Kentucky

Based on Insurance.com's rate analysis, Kentucky Farm Bureau is the cheapest condo insurance company among the carriers surveyed. Its average annual premium is $304---$328 less than the state average ($632). Apart from Kentucky Farm Bureau, Safeco and State Farm are the other two cheap insurance companies in Kentucky for condo insurance.

Condo insurance rates can vary based on where you live, how much liability protection you need and how comprehensive your condo insurance coverage is. In order to find the perfect condo insurance policy, it's important that you get a number of quotes and compare rates. This is one of the best ways to get a great condo insurance policy in Kentucky.

Below is the list of best condo insurance providers and their average annual premium for Kentucky residents.

CompanyAverage annual premium
Cincinnati Insurance$197
Allstate$256
Travelers$276
Kentucky Farm Bureau$304
Safeco$398
State Farm$400
USAA$529
Nationwide$566
Liberty Mutual$653
First Liberty$657
LM Insurance$675
Garrison$807
Auto Owners$2,447

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