Insurance Service
Home & Auto
Home & Auto Insurance in Kentucky
Finding the right auto insurance in the Bluegrass State shouldn’t be a guessing game.
At Kentucky Bred Insurance, we make it simple. Our team shops multiple top-rated carriers
to find the best protection and the best price for your unique situation.
Because no two drivers are alike, and no two Kentucky roads are the same. And just like your vehicle, your home deserves coverage that reflects how you actually live.
Get started in minutes, fill out our quick form or call (502) 214-3200.
Our friendly, local agents will help you compare rates and coverage to fit your needs
and your budget.
Why Kentucky Homeowners & Drivers Choose Kentucky-Bred Insurance
We’re not tied to one carrier we work for you.
Independent & Local
As a broker, we partner with several respected insurance companies, giving you access to more options and competitive rates for both your vehicles and your home. From Louisville to Lexington and everywhere in between, we know the challenges of Kentucky driving unpredictable weather, rural roads, and busy interstates.
Tailored Coverage
We don’t believe in “one-size-fits-all” policies. Whether you drive a daily commuter, a truck, or a family SUV, we’ll customize your coverage to match how you actually use your vehicle.
Exceptional Service
Our clients stay with us because we go beyond quotes. We deliver service that’s fast, personal, and truly local. When you call, you’ll talk to a real person who knows your name.
What’s Covered in a Typical Auto Policy
- Liability Coverage – Protects you if you’re at fault in an accident.
- Collision Coverage – Covers repairs or replacement after a crash.
- Comprehensive Coverage - Keeps you covered when others aren’t.
- Uninsured/Underinsured Motorist – Protects you if you’re at fault in an accident.
- Medical Payments- Covers medical costs for you and your passengers.
- Rental & Roadside Options– Add-ons for convenience and peace of mind.
Not sure what you need? Our agents will compare plans side-by-side so you get the coverage you want without paying for what you don’t.
Homeowners Insurance Coverage in Kentucky
Many Kentucky homeowners choose to bundle home and auto insurance for better pricing, fewer gaps, and simpler policy management.
- Dwelling Coverage - Helps repair or rebuild your home after covered losses like fire.
- Other Structures – Coverage for garages, sheds, and detached buildings.
- Personal Property – Protection for furniture, electronics, clothing, and other belongings.
- Loss of Use - Temporary living expenses if your home is uninhabitable.
- Personal Liability– Protection if you’re legally responsible for injury or damage.
From long established homes to new construction, we’ll help you review limits, deductibles, and optional endorsements so your policy reflects how you actually live.
“Insurance isn’t just about policies—it’s about peace of mind. With the right protection for your home and car, you can live freely, knowing that whatever happens, we’ve got you covered with care and confidence.”
Additional Services
How We Support You Beyond Coverage
• Insurance Quotes – Fast, no-pressure quotes from multiple carriers
• Insurance Policy Review – We review your current policy for gaps or savings
• Coverage Comparison – Side-by-side comparison to find the best fit
• Claims Support – Guidance through the claims process when it matters most
Bundle & Save
Save more when you bundle auto, home, renters, or life insurance through Kentucky-Bred Insurance.
Most carriers offer multi-policy discounts, and we’ll find the combination that fits your coverage goals and your wallet.
Answers of Some Common Question
Can I bundle my car insurance with other policies?
Yes! Bundling your auto with home, renters, or life insurance can reduce your premiums and simplify your protection. We’ll compare multi-policy discounts across multiple carriers to maximize your savings.
Do you work with multiple insurance companies?
Absolutely. We’re an independent brokerage, which means we can shop through most of the top insurance carriers on your behalf, giving you more choice and better rates.
Can you help young or high-risk drivers?
Yes, we work with carriers that offer competitive rates for new drivers and specialty programs for those with DUIs or recent accidents.
How much liability coverage should I have?
We typically recommend higher limits than Kentucky’s state minimums. Often 100/300 or more to protect you from costly claims. We’ll help you choose the right level based on your assets and budget.
Experience the Kentucky-Bred Difference
At KBI, we combine the flexibility of a national network with the friendliness of a local neighbor. We understand the roads, seasons, and drivers that make Kentucky unique and we make sure your coverage reflects that.
“We’re proud to be Kentuckians helping Kentuckians protecting what matters most on and off the road.”