2024

Last updated: May 20, 2024

Best Homeowners Insurance Agencies in Louisville

Our Recommended Top 18

We did the research for you!

Our goal is to connect people with the best local professionals. We scored Louisville Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

333 Reviewed

207 Curated

18 Top Picks

Learn about our selection process .

Providers

Spalding Insurance Group

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Why choose this provider?

If you are tired of 1-800 numbers and long hold times, Spalding Insurance Group will be able to help you as they want you to RE-Think the way you see insurance. Founded in 1998 by Tom Spalding, Spalding Insurance Group is an independent insurance agency serving the Louisville, Kentucky, region with a host of personal insurance options, including homeowners insurance . The company's licensed agents have claims consulting experience who will work and help guide homeowners step-by-step through the process of selecting dwelling, liability, and property coverage backed by over 70 top rated companies in the nation, such as MetLife, Travelers, Progressive, Kemper, Mutual of Omaha, and The Hartford with one goal in mind, to get homeowners the best rates and coverages for their most valuable items. They also offer renters, life, and umbrella insurance policies for extra coverage not provided under typical homeowners insurance. Call, email, message them on Facebook or drop by their office and Re-Think insurance. 

Levi Monk - State Farm Insurance Agent

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Why choose this provider?

Levi Monk- State Farm Insurance Agent is a professional homeowners insurance broker based in Lexington. In business since 2017, agent Levi Monk assists homeowners with obtaining policies that offer financial protection in the event of property damage due to fires, storms, vandalism, and losses. Mr. Monk is fully licensed, and the company's website features online options to file claims and submit payments. In addition to homeowners insurance, the agency handles business and auto insurance.

Reisert Group

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Why choose this provider?

Reisert Group is a Louisville, Kentucky-based insurance agency selling home insurance policies to clients all over the metro area since 1884. It provides coverage for single family homes and condominiums through affiliated providers and consults clients on the amounts and types of coverage they need to insure their home itself, structures on the same property, possessions, and additional expenses related to covered losses. Some of the companies Reisert Group represents include Progressive, Farmers, and MetLife.

Palacio Miller Agency

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Why choose this provider?

Palacio Miller Agency is an insurance company that caters to clients throughout Louisville. The firm provides various insurance products, including homeowners' insurance. The insurance protects the policyholders' assets and investment properties against natural disasters and catastrophic events. It also covers liability for family members, pets, and other people injured on the property. Insurance professionals at the firm work with clients to customize coverage according to their specific needs. Palacio Miller Agency serves clients in Arkansas, Indiana, Kentucky, Mississippi, and Tennessee.

American Mutual Fire Insurance Co. of KY

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Why choose this provider?

American Mutual Fire Insurance Co. of KY is a locally owned insurance agency based in Louisville, Kentucky. Founded in 1874 by a group of farmers in Jefferson County, the firm has grown to provide a range of insurance solutions that include homeowners, dwelling, and farm coverage options for residents in the central Kentucky area. Policies available protect homeowners, farm owners, and individuals living in rental units against perils such as natural disasters, vandalism and theft, and personal liability.

Dick Watts Insurance

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Why choose this provider?

Dick Watts Insurance is a family-owned company that caters to clients in Louisville. Its selection of insurance products ranges from homeowners' insurance to business property insurance. Its insurance professionals can also review a client's current insurance coverage and provide them with a quote of other available policies in the market. Mike Watts, one of the company's insurance agents, has over 20 years of industry experience. Before working for Dick Watts Insurance, he served as a claims adjuster in another insurance company.

Jeff Kleier

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Why choose this provider?

Jeff Kleier is a third-generation State Farm insurance agent that has been serving the Louisville community since 2007. He helps individuals in making informed decisions about protecting their homes and personal belongings by providing a wide range of homeowners' insurance coverage options. The customizable solutions protect clients from financial losses caused by circumstances like theft, fire, and liability. Kleier and his team also offer life, business, and pet insurance. They also assist families who are looking to relocate to the area.

R. H. Clarkson Insurance Agency, LLC

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Why choose this provider?

R. H. Clarkson Insurance Agency, LLC is a Louisville, Kentucky-based agency offering home insurance services to clients living throughout the metro area. These services are available to home owners as well as renters who need to insure personal items, and it insures condominiums as well as secondary residences. Umbrella liability plans are available to clients who wish to bundle their home insurance policy with auto or health insurance for all-encompassing coverage offered at a lower rate.

Old Kentucky Insurance

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Why choose this provider?

Old Kentucky Insurance is an agency serving clients in the Louisville, Kentucky, metro area that offers and consults on insurance policies for homes, apartments, and condominiums. Its plans offer protection for the structure itself, guests, belongings, incurred medical costs, and living expenses. It also handles insurance policies for landlords to cover risks posed to tenant-occupied properties. Scheduled personal property coverage is available to clients with special possessions such as art, antiques, jewelry, and collectibles.

Independent Agents of Kentucky

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Why choose this provider?

Independent Agents of Kentucky is an insurance agency based in Louisville, serving homeowners in and around the city. It was established in 1958 and has a team of insurance agents with over 100 years of combined experience. The agency provides homeowners' insurance plans from 25 different carriers, including Progressive and Universal Property & Casualty Insurance. It can customize existing or applicable plans to have specialized coverages for medical liabilities and personal possessions. In addition, the agency offers insurance plans for condo owners and home renters.

Heritage Insurance Service, Inc.

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Why choose this provider?

Founded in 1974 by Steven L. Turner, Heritage Insurance Service Inc. is a locally owned and operated, independent homeowners insurance agency that serves customers in the Louisville, Kentucky, area and has additional offices throughout the country. Heritage works with 115 prominent insurance companies, including Bristol West, Continental, Farmers, Hartford, New Hampshire Indemnity, Progressive, Safeco, and Travelers. The agency offers other types of insurance such as auto, motorcycle, trucking, life, health, and disability coverage.

Reynolds Insurance Group

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Why choose this provider?

Reynolds Insurance Group provides a wide array of insurance services, including car, home, business, church, personal, and life insurance. Established in Louisville in 1974, it has helped over 6,000 families, business owners, and churches and has grown to become one of the largest insurance agencies in the area. Its agents provide coverage with various insurance carriers in clear, easily understandable explanations of products and services to give clients the peace of mind that comes with proper solutions and coverage.

Lincoln Insurance Agency

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Why choose this provider?

Based in Louisville, Lincoln Insurance Agency crafts homeowners', business owners', auto, event, and pet insurance plans for the residents of the area. As a third-generation family-owned business, it aims to provide personalized services to its clients by guiding them in getting the appropriate insurance policy according to their needs. Lincoln Insurance Agency also works with different insurance providers and offers assistance if a client needs to change details in their policy or if they get into an accident.

Family Select Insurance

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Why choose this provider?

Founded in 2014, Family Select Insurance is an insurance agency serving customers in Louisville and the surrounding communities. It helps clients obtain a homeowners' insurance policy to prevent financial loss in case their homes get damaged by fire, pipe leaks, or burglary. It also provides other personal and business insurance products such as auto, individual life, renters', general liability, commercial property, and Medicare Supplement insurance. Some of Family Select Insurance's carriers include Travelers, Progressive, MetLife, and Safeco Insurance.

Brandt Davis

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Why choose this provider?

Brandt Davis is an independent insurance agency that has been serving clients in Louisville since 2013. It assists clients in selecting the home insurance policy that suits their needs by educating them about various coverage options and local risks that need proper coverage. Being independent allows the agency to offer multiple insurance products from a variety of insurance providers. It also offers a family-based service based on the belief that insurance is more on protecting clients and their families than protecting stuff.

Jerry Kays Insurance

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Why choose this provider?

Jerry Kays Insurance has various insurance products for clients in Louisville. Guided by its goal to help clients manage daily risks, it pursues giving personalized service. Its agents conduct individual discussions with clients to determine everyday risks and assess what insurance product fits a client's needs. They explain a diverse set of options the company offers, such as auto, homeowners', and business policies. They describe products like homeowners' standard policies and package policies to help clients make informed decisions.

Braden Insurance Agency Inc.

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Why choose this provider?

Braden Insurance Agency Inc. delivers its services to families and individuals in the Louisville metro. It accommodates clients who need assistance in acquiring homeowners' insurance that may include valuable items and damage to personal property coverages. The company also offers other personal plans, such as life, auto, health, umbrella, and renters' insurance. As an independent agency, it works with multiple carriers like State Auto and Progressive. Braden Insurance Agency has been in the industry since 1961.

Bluegrass Insurance Advisors, LLC

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Why choose this provider?

Bluegrass Insurance Advisors, LLC, offers homeowners' insurance for residents of Louisville. It covers losses and damages caused by theft, accidents, and natural calamities. The company also offers a variety of other insurance plans for properties, including condominium, landlord, and renters' insurance. Life, car, motorcycle, workers' compensation, disability, and Medicare Supplement insurance plans are also offered by the agency. The company's mission is to help people protect their assets and their families' financial future through its insurance solutions.

FAQs

Introduction

What determines the rate of homeowners' insurance in Louisville?

Homeowners' insurance rates in Louisville depend on various factors, including location, construction materials, the home's age and upgrades, replacement cost assessed by an appraiser, the presence of a swimming pool, running a home-based business, and the chosen coverage type and extent. These factors collectively determine the cost of homeowners' insurance, with location and construction materials being particularly influential in assessing risk and setting the premium.

Is homeowners' insurance a legal requirement in Louisville?

No. In Louisville, Kentucky, there is no legal requirement mandating homeowners' insurance. However, if you have a mortgage, your lender will typically require homeowners' insurance as a prerequisite for obtaining the loan. While it's not a statutory obligation, lenders use homeowners' insurance to protect their investment in your property, making it a practical necessity for most mortgage-holding homeowners in the state.

What falls outside the coverage of homeowners' insurance in Louisville?

Homeowners' insurance in Louisville does not typically cover flood damage, which can be secured through the National Flood Insurance Program. Additionally, hazards like landslides, mudslides, and mudflows, often caused by earth movement, are usually excluded. Finally, most standard policies exclude coverage for hobby farms due to their business-like nature. While homeowners' insurance provides comprehensive coverage for many risks, it has limitations.

How much is the typical percentage for loss of use coverage on homeowners' policies in Louisville?

The typical percentage for loss of use coverage on homeowners' policies in Louisville is either 10% or 20% of your dwelling coverage. For instance, if your dwelling coverage is $200,000, you can expect to have either $20,000 or $40,000 in loss of use coverage. It's advisable to review your policy's limitations, as some insurers may impose time restrictions on coverage following a covered loss. It's also best to consult your insurer for specific details.

What are some common liability risks homeowners in Louisville should be aware of?

Homeowners in Louisville should consider potential risks to visitors, including loose steps, tripping hazards, inadequate handrails, lack of pool fencing, weak balcony railings, and poor dog fencing. Properly addressing these issues is important to ensure the safety of visitors and prevent potential legal liabilities arising from accidents or injuries on the property.

What determines the price of homeowners insurance premium?

The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

What is the difference between home warranty and homeowners insurance?

Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

Does Geico offer homeowners insurance?

Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

How long does homeowners warranty insurance last?

Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

Does homeowners insurance cover water heaters?

Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

Are RVs covered under homeowners insurance?

Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

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