Kentucky Home Insurance Coverage - What's Covered and What Isn't

Kentucky home insurance includes coverage for a wide range of perils, but it doesn’t protect against everything. Learn what your Kentucky home insurance policy does and doesn’t cover in this article.

Kentucky Home Insurance – What’s Covered

Kentucky home insurance safeguards your home personal possessions against loss caused by the following perils:

• Storm damage, including rain, snow and hail storms
• Fires
• Hurricanes
• Tornadoes, including wind damage

If you have a shed or other structure on your property, they are also covered. Liability coverage is standard, and identity theft insurance is included in some policies.

What’s Isn't Covered?

Kentucky home insurance covers quite a bit, but it does have exclusions. They include:

• Floods
• Earthquakes
• Landslides
• Specific dog breeds (Chows, Rottweilers)
• Luxury items (usually covered up to $1,500)
• Sewage backup

Home Insurance and Storm Damage

Ice storms, blizzards, snowstorms—severe winter weather is a reality for Kentucky homeowners. The good news is that Kentucky home insurance covers against these disasters. But remember that Kentucky home insurance does not protect against flood damage, so consider adding flood insurance to your policy.

You can compare Kentucky home insurance quotes for free by visiting InsWeb’s home insurance quote form.