Short answer: Kentucky gives homeowners one of the longest non-renewal notice periods in the country: insurers must give written notice at least 75 days before the policy period ends and explain the specific reasons. If you can't get coverage in the standard market, the Kentucky FAIR Plan offers homeowners coverage, including liability, through any licensed Kentucky agent. Insurers must acknowledge a claim within 15 days and pay within 30 days after proof of loss.
This guide is general information for Kentucky homeowners. It isn't legal advice. Your policy wording controls.
Step 1: Use the 75 days
Under KRS 304.20-320, insurers must give written notice at least 75 days before the policy period ends, explaining the specific reasons. Use that time to fix any condition named in the notice and to shop. Details: Kentucky homeowners non-renewal rules.
Step 2: Flood is separate
Flooding in Kentucky's river valleys and hollows isn't covered by homeowners insurance. Quote through FloodSmart.
Step 3: The Kentucky FAIR Plan
According to Kentucky Insurance Plans, the FAIR Plan serves property owners having a problem getting insurance in the standard market for reasons beyond their control. It offers dwelling fire, commercial fire, farm fire and homeowners coverage. Depending on the policy, that includes fire, lightning, wind, hail, explosion, smoke, vehicles, aircraft and vandalism, and the homeowners policy adds liability. Apply through any licensed Kentucky agent. See FAIR Plan vs. surplus lines home insurance.
Step 4: Claim deadlines
Under 806 KAR 12:095, insurers must acknowledge a claim within 15 days and pay within 30 calendar days after proof of loss for any payment due. More: Kentucky insurance claim deadlines.
See our tables: non-renewal notice rules by state, insurance claim deadlines by state and home insurance claim and lawsuit deadlines by state.
Questions? Contact Alishahi Insurance or call (877) 711-4545. See insurance in Kentucky.
Frequently asked questions
How much notice before a Kentucky homeowners non-renewal?
At least 75 days before the policy period ends, with the specific reasons, under KRS 304.20-320.
Does the Kentucky FAIR Plan include liability?
The FAIR Plan homeowners policy includes additional coverages, including liability.
How fast must a Kentucky insurer pay a home claim?
Within 30 calendar days after proof of loss for any payment due, under 806 KAR 12:095.
Does Kentucky homeowners insurance cover flood?
No. Buy a separate flood policy.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. This isn't legal, tax or financial advice or a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.