Home Insurance in Louisville

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Living in Louisville

Louisville is a vibrant hub of activity for its approximately 250,000 residents. It offers historical sights, cultural attractions and plenty of opportunities for outdoor recreation. Best Places reports that the cost of living in the city is about 10% less than in the rest of the country, which helps make it an affordable choice.

However, home prices are slightly higher in Lousiville than the rest of Kentucky. According to City-Data.com. the average price of homes in the city was $267,309 in 2021. Additionally, 47% of residents rent a home versus owning one. If you are one of the city's homeowners, you may be able to save on home insurance in Louisville by comparing quotes with VIU by HUB.

Like many other cities, Louisville faces an elevated crime rate. Neighborhood Scout gives it a crime index of 4, meaning it is only safer than 4% of U.S. cities. Some neighborhoods have lower crime rates than others, which can be helpful when choosing an area to settle down.

Protecting Your Louisville Home

Home insurance is an excellent tool for protecting the investment you have made in buying a home. Coverage should match the most likely risk scenarios, and limits should enable you to rebuild if your home is destroyed.

When choosing home insurance in Louisville, be sure to consider the specific risks you face in the city. For example, Lousiville has a major flood risk. with 29% of all properties in the city at risk of flooding in the next 30 years. If your home is in a location with an increased flood risk, you might want to purchase additional flood insurance.

Home Coverage Options

A typical home policy includes four major coverage components: liability insurance, structural protection, personal property coverage and coverage for additional living expenses.

Liability insurance is one of the most important parts of your home insurance in Louisville. It provides protection if someone in your household harms another person or damages their personal property by covering legal fees and court settlements associated with those injuries. This portion also typically includes a medical payments provision that covers medical expenses for injuries that happen on your property regardless of fault.

Structure coverage includes protection for your home and any outbuildings. It pays for repairs from covered losses, such as hail, tree limbs and fire. Some policies have exclusions, so you should read them carefully to determine if you need to purchase additional coverage.Personal property protection is similar, but it covers your belongings that are in the house or temporarily off-site.

A final type of coverage that is commonly included is for temporary living expenses. This pays for rent or a hotel and meals if your home is uninhabitable because of a covered loss. You also have options for extra coverages, including:

  • Actual replacement value
  • Earthquake coverage
  • Extended value personal property
  • Flood insurance
  • Umbrella policy

Paying for Home Insurance in Louisville

Money Geek lists the average cost of a Louisville homeowners policy with $100,000 in liability and dwelling coverage as $1,245 per year or $104 per month. This figure is slightly above the average in Kentucky but significantly lower than the U.S. average for similar coverage.

Increasing coverage limits will also increase premiums.Homeowners looking to save on home insurance in Louisville may be able to save by installing extra security features and taking advantage of available discounts. Comparing quotes from multiple companies with VIU by HUB can help you find the best policy for your Louisville home.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


Best Places


Insurance Information Institute

Money Geek

Neighborhood Scout

U.S. Census

Home insurance in Kentucky by city

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