The right coverage at the right price

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With the right Kentucky home insurance, you can rest easy knowing your home and everything you hold dear is protected.

Common Kentucky homeowners insurance questions

No, the state of Kentucky does not require homeowners insurance. However, you will likely need it as a condition of your mortgage.

Similar to homeowners insurance, renters insurance is not required by law in Kentucky. Many landlords require tenants to purchase renters insurance before signing a lease and the Kentucky Department of Insurance suggests purchasing renters insurance since a landlord’s insurance only covers damages to the building and not your possessions.

The cost of homeowners insurance will vary by the amount of coverage needed and characteristics of your home, such as the age of the building or if it has custom construction or elaborate design.


Grange partners with independent agents to ensure you have the right coverage to fit your budget. An independent agent can suggest and explain coverages that you need. Find an agent to get started.

Many companies in Kentucky offer optional sinkhole coverage either as an add-on to your homeowners policy or as a standalone policy. However, this coverage is not automatically included in your homeowners policy and there are no legal mandates that require insurance companies to offer this coverage.

Grange offers sinkhole coverage as an optional add-on to your homeowners insurance policy.

According to FEMA, the average flood policy in Kentucky costs $796 per year. For high-risk areas, the cost increases to $1,713. Grange Insurance does not offer flood insurance.

It's important to choose the right coverage by determining your individual needs and how much insurance you need to protect your home and vehicle. Contact your independent agent for a detailed review of your insurance policy and needs.

Grange offers a multi-policy discount when you bundle your auto with a home, condo or renters insurance policy to help you save on your insurance bundle. Learn more 

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Many ways to save

Save money with a variety of discounts.

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A custom policy made for you

Learn about coverages most important to you.

See all coverages


Read reviews from customers in Kentucky

We are committed to using feedback to improve our customer service. Here’s what some Kentucky home insurance customers have to say about Grange.

Five star rating

Pauline H. 

Grange showed exceptional service when we filed a theft claim. All was done by phone and e-mail. Claim was paid in two days. Thank you!

Five star rating

Dave W.

My wonderful agency steered me to Grange and I love it. The rates are great, and the automatic withdrawal payment option is awesome.

Craig S.

To me, the test of an insurance company isn't how eagerly they take my premium but how they behave when paying a claim. When I contacted Grange, I was provided an adjuster who was kind, thoughtful and efficient. My claim was processed and paid before the work began. Thank you Grange.


Why independent agents?

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They work for you

Insurance agents who represent one carrier can only provide the best options from a single insurance provider. Independent agents work for you, finding the best coverage options from multiple carriers.

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More coverage options

Independent insurance agents consider your needs and any unique home features to find the best coverage. Because they aren’t tied to a specific insurance company, they provide more options.

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It's easier to comparison shop

Unlike shopping for home insurance online, working with an independent agent makes it easy to compare homeowners policies from multiple carriers. You won’t have to wonder if you’re on the right track since you’ll have an expert in your corner to answer your questions.

Find an agency

Coverages described herein may not be available in all states. Please contact a local independent Grange agent for complete details on coverages and discounts. If the policy coverage descriptions herein conflict with the language in the policy, the language in the policy applies. The material provided above is for informational, educational, or suggestion purposes and does not imply coverage. WE RESERVE THE RIGHT TO REFUSE TO QUOTE ANY INDIVIDUAL PREMIUM RATE FOR THE INSURANCE HEREIN ADVERTISED. Grange Insurance policies are underwritten by Grange Insurance Company, Trustgard Insurance Company, Grange Indemnity Insurance Company, Grange Insurance Company of Michigan and Grange Property & Casualty Insurance Company*. Not all companies are licensed in all states. *Not licensed in Pennsylvania.