Insurance Service
Renters Insurance
Renters Insurance in Kentucky
Renting in the Bluegrass State should feel simple and stress-free. At Kentucky-Bred Insurance, we shop multiple top-rated carriers to find the right protection at the right price — so your belongings and peace of mind stay covered.
Because no two renters are alike, and no two Kentucky homes are the same.
Get started in minutes: fill out our quick form or call (502) 214-3200 to compare coverage options that fit your lifestyle and budget.
Why Renters Choose Kentucky-Bred Insurance
Independent & Local
We’re not tied to one carrier — we work for you. As an independent brokerage, we compare several trusted insurance companies to give you better choices and better rates. From Louisville to Lexington and everywhere in between, we understand the risks renters face.
Tailored Coverage
Whether you’re in an apartment, duplex, townhome, or rental house, we help you build a policy that fits your life — not someone else’s.
Exceptional Service
When you call, you’ll talk to a real local agent who knows your community and is ready to help.
What Renters Insurance Typically Covers
- Personal Property – Protects your belongings from theft, fire, water damage, and more.
- Liability Coverage – Covers accidental injuries or damage to others' property.
- Loss of Use – Helps with temporary housing if your rental becomes unlivable.
- Medical Payments – Pays medical costs if a guest is injured in your home.
- Optional Add-Ons – Extra protection for jewelry, electronics, instruments, or identity theft.
Not sure what you need? We’ll compare plans side-by-side so you get the right protection without paying for what you don’t.
Answers of Some Common Question
1. Do I really need renters insurance?
Yes. Your landlord’s policy only covers the building — not your belongings. Renters insurance protects your furniture, clothing, electronics, and valuables from theft, fire, water damage, and more.
2. What does renters insurance actually cover?
A standard policy covers:
- Your personal belongings
- Liability if someone gets hurt in your home
- Temporary living expenses if you can’t stay in your rental
- Guest medical payments
You can also add coverage for high-value items like jewelry or expensive electronics.
3. How much does renters insurance cost in Kentucky?
Most policies range from $10–$25 per month, depending on your coverage level, location, and any add-ons you choose.
4. Does renters insurance cover water or flood damage?
It covers certain types of water damage like burst pipes.
It does NOT cover flooding from rising water — for that, you’d need a separate flood insurance policy.
5. Can I bundle renters insurance with auto or other policies?
Absolutely. Bundling is one of the easiest ways to save. We compare multi-policy discounts across several top carriers to get you the best price.
6. Does renters insurance cover roommates?
Typically, no. A policy usually covers only the person listed on it. Roommates should have their own policy to be fully protected.