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2024

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Best Homeowners Insurance Agencies in Louisville, KY

Our Recommended Top 18

We did the research for you!

  • Licensing
  • User Reviews
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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.

333Reviewed

207Curated

18Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

300 Middletown Park Pl Ste C, Louisville, KY 40243

Expertise.com Rating

Review Sources

Google
4.8 (56)
Facebook
4.9 (34)
Yelp
5.0 (2)

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. 

  • Renter's Insurance
  • Multiple Carriers
  • Personal Property Insurance

214 Breckenridge Lane, Louisville, KY 40207

Expertise.com Rating

Review Sources

Google
5.0 (106)
Facebook
4.0 (9)
Yelp
5.0 (1)

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.

  • Multiple Carriers
  • Multiple Policy Types
  • Homeowners

820 Lane Allen Road, Lexington, KY 40504

Expertise.com Rating

Review Sources

Google
4.8 (19)
Facebook
5.0 (12)

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.

  • Multiple Policy Types

915 Lily Creek Rd, Louisville, KY 40243

Expertise.com Rating

Review Sources

Google
4.7 (64)
Facebook
5.0 (36)
Yelp
3.0 (4)

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.

  • Renter's Insurance
  • Multiple Carriers
  • Personal Property Insurance

2821 S Hurstbourne Pkwy, Louisville, KY 40220
WebsiteLicense: 734063

Expertise.com Rating

Review Sources

Google
5.0 (110)
Facebook
5.0 (26)

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.

  • Homeowners

3103 Breckenridge Ln, Louisville, KY 40220
WebsiteLicense: 706210

Expertise.com Rating

Review Sources

Google
4.7 (30)
Facebook
4.4 (7)

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.

  • Multiple Policy Types
  • Homeowners

10333 Linn Station Road, Louisville, KY 40223
WebsiteLicense: 672887

Expertise.com Rating

Review Sources

Facebook
5.0 (70)
Google
4.9 (65)
Yelp
5.0 (1)

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.

  • Homeowners

401 W Main St Ste 1500, Louisville, KY 40202

Expertise.com Rating

Review Sources

Facebook
4.8 (11)
Google
5.0 (9)

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.

  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

6409 Dutchmans Parkway, Louisville, KY 40205
WebsiteLicense: 821608

Expertise.com Rating

Review Sources

Google
4.0 (119)
Facebook
4.0 (28)

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.

  • Renter's Insurance
  • Homeowners

3701 Taylorsville Rd Ste 1A, Louisville, KY 40220
WebsiteLicense: 398956

Expertise.com Rating

Review Sources

Google
4.7 (22)
Facebook
4.3 (15)

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.

  • Homeowners

9750 Ormsby Station Road, Suite 200, Louisville, KY 40223
WebsiteLicense: 3651977

Expertise.com Rating

Review Sources

Google
4.9 (61)
Facebook
5.0 (30)
Yelp
5.0 (1)

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.

  • Homeowners

806 Stone Creek Parkway, Suite 1, Louisville, KY 40223

Expertise.com Rating

Review Sources

Google
4.9 (22)
Facebook
5.0 (1)
Yelp
5.0 (1)

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.

  • Multiple Policy Types
  • Homeowners

12200 Shelbyville Rd, Louisville, KY 40243
WebsiteLicense: 594515

Expertise.com Rating

Review Sources

Google
4.9 (78)
Yelp
1.0 (1)

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.

  • Renter's Insurance
  • Multiple Policy Types
  • Homeowners

11820 Ransum Way, Louisville, KY 40243
WebsiteLicense: 526280

Expertise.com Rating

Review Sources

Google
4.0 (82)
Facebook
5.0 (5)

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.

  • Multiple Carriers
  • Homeowners

4200 Gardiner View Ave Ste 202, Louisville, KY 40213

Expertise.com Rating

Review Sources

Google
5.0 (1)

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.

  • Renter's Insurance
  • Personal Property Insurance
  • Homeowners

920 Lily Creek Rd Ste 201, Louisville, KY 40243

Expertise.com Rating

Review Sources

Google
3.9 (11)

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.

  • Renter's Insurance
  • Condos
  • Flood

1700 Ups Dr Ste 106, Louisville, KY 40223

Expertise.com Rating

Review Sources

Google
4.5 (10)
Yelp
5.0 (1)

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.

  • Multiple Carriers
  • Personal Property Insurance
  • Homeowners

9850 Von Allmen Court, Louisville, KY 40241
WebsiteLicense: 1110445

Expertise.com Rating

Review Sources

Google
4.6 (11)
Facebook
5.0 (2)

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.

  • Multiple Policy Types
  • Homeowners
  • Life Insurance

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Spalding Insurance Group
300 Middletown Park Pl Ste C, Louisville, KY 40243
Lincoln Insurance Agency
214 Breckenridge Lane, Louisville, KY 40207
Levi Monk - State Farm Insurance Agent
820 Lane Allen Road, Lexington, KY 40504
Old Kentucky Insurance
915 Lily Creek Rd, Louisville, KY 40243
Brandt Davis
2821 S Hurstbourne Pkwy, Louisville, KY 40220
Palacio Miller Agency
3103 Breckenridge Ln, Louisville, KY 40220
Jeff Kleier
10333 Linn Station Road, Louisville, KY 40223
R. H. Clarkson Insurance Agency, LLC
401 W Main St Ste 1500, Louisville, KY 40202
Family Select Insurance
6409 Dutchmans Parkway, Louisville, KY 40205
Jerry Kays Insurance
3701 Taylorsville Rd Ste 1A, Louisville, KY 40220
Braden Insurance Agency Inc.
9750 Ormsby Station Road, Suite 200, Louisville, KY 40223
Independent Agents of Kentucky
806 Stone Creek Parkway, Suite 1, Louisville, KY 40223
Dick Watts Insurance
12200 Shelbyville Rd, Louisville, KY 40243
Reynolds Insurance Group
11820 Ransum Way, Louisville, KY 40243
American Mutual Fire Insurance Co. of KY
4200 Gardiner View Ave Ste 202, Louisville, KY 40213
Heritage Insurance Service, Inc.
920 Lily Creek Rd Ste 201, Louisville, KY 40243
Reisert Group
1700 Ups Dr Ste 106, Louisville, KY 40223
Bluegrass Insurance Advisors, LLC
9850 Von Allmen Court, Louisville, KY 40241

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • 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.

  • 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.

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