Kentucky renters insurance

Kentucky renters insurance coverages

Check out the four standard coverages on nearly all Kentucky renters insurance policies:

• Personal property protects your personal belongings, including furniture, clothing, and electronics whether they're inside your apartment or elsewhere
• Loss of use helps cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss
• Personal liability protects you financially if you're legally responsible for another person's injuries or damage to their property
• Medical payments to others pays for medical expenses due to a covered occurrence

Additional coverages

The best renters insurance in Kentucky is always a policy with customized coverage. Here are some extra options for when you need more protection:

• Add a rider: Certain valuable items, like jewelry, may have specific limits on your renters policy. If your item exceeds the limit, you may be able to purchase an endorsement called a rider for your policy to cover the item for its value.
• Personal injury coverage: May pay for legal fees and damages if you're liable for slander or defamation
• Water back-up coverage: Water that backs up through sewers or drains or discharges from a sump pump may not be covered by a standard renters policy. Water back-up coverage may pay for the damage to your belongings and water removal costs.

Learn more about all of our renters insurance coverages.

Is renters insurance required in Kentucky?

Renters insurance in Kentucky isn't required by law, but your landlord or rental company might require you to have a renters policy in place before you can move in. Even if it's not required, renters insurance may offer essential protection for tenants renting apartments, condos, or homes.

Is renters insurance worth it in Kentucky?

Renters insurance is an affordable and easy way to stay protected as a tenant. Here are some situations where a renters policy may help:

• A fire in your building results in smoke damage to your furniture. Personal property coverage may pay to repair or replace your damaged belongings, up to your coverage limit.
• Water damage to your residence forces you to move out while your place is being repaired. Loss of use coverage may pay for your temporary lodging and food costs, above what you normally spend, while you are displaced.
• A friend falls down the stairs in your rental home and is injured. Medical payments coverage may pay for the medical bills to treat the injury.

How much is renters insurance in Kentucky?

Progressive renters policies in Kentucky had an average monthly price of $19.78 or $237.40 for an annual policy in 2023.^** Remember that your cost for renters insurance is determined by many factors, including your location, type of residence, and claims history.

Coverage limits can also affect the cost of your renters premium. The more personal property coverage you need, the more you may pay for a renters policy. Use our personal property calculator to help you take a home inventory and estimate the value of your belongings.

How can I save on renters insurance in Kentucky?

Take advantage of renters discounts to lower the cost of your renters policy. Progressive offers discounts for bundling multiple policies, quoting in advance, paying in full, and living in a secured or gated community.

There may also be discounts that are only available in your state or county. Call 1-866-749-7436, or talk with a local agent to help ensure you're getting all applicable discounts.