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    Kentucky renters insurance

    Are you renting an apartment or home in Kentucky? Did you know your landlord's insurance policy may not cover everything? If you're looking for a renters insurance company in Kentucky, Nationwide provides policies that help protect your space and personal belongings against the unexpected. Our Kentucky renters insurance policies are designed to safeguard you against losses related to things like theft, water backup damage, certain natural disasters and more. We help keep renters insurance affordable by offering competitive rates and renters insurance discounts to our members. Learn more about the benefits of Kentucky renters insurance today and get a free quote in minutes from Nationwide.

    Is renters insurance required in Kentucky?

    No, there is no federal law that requires tenants to carry renters insurance; however, some landlords may require proof of renters insurance as part of the lease agreement.

    Kentucky renters coverages and discounts

    Policy features that may meet the needs of Kentucky renters

    Whether you're renting your first apartment in Lexington or renting a home with your family in the suburbs of Bowling Green, Nationwide has Kentucky renters coverage to fit your lifestyle.
    • Valuables Plus®1 insurance may cover items such as jewelry, watches, antiques and fine art in the event of covered losses, including theft.
    • Medical payments renters insurance may cover others' medical expenses resulting from an accident on your property.

    Nationwide agents throughout Kentucky are ready to assist you

    Select your city below to find an agent near you.

    Want to find a local agent in your neighborhood?
    We have Nationwide agents throughout Kentucky.
    Find a local agent

    What factors go into determining a renters insurance rate?

    While the average cost of renters insurance varies based on a number of components, these are common factors that insurance companies use to assess risk and determine your renters insurance rate:

    Location

    The location of the rental property includes state and ZIP code.

    Coverage

    The type of coverage you choose and how much personal property and liability protection you want your policy to cover.

    Deductible

    The amount of money you choose to pay out of pocket can affect your renters insurance premium.

    Bundle insurance policies

    Nationwide offers a variety of multi-policy discount options. Choosing to bundle auto and renters insurance from the same insurance provider can potentially lower your insurance premium.

    Get a free Kentucky renters insurance review

    A Nationwide On Your Side® Review is a free, annual consultation and insurance assessment that can help you:
    • Increase or decrease your deductible(s)
    • Determine the home insurance coverage options that are right for your budget and situation. For instance, did you recently build a garage or gazebo you need covered? Have you installed a protective device that could qualify you for a discount? The On Your Side® Review is a great time to make these types of updates to your policy.
    • Review our responsive home insurance claim policy
    Call Nationwide at 1-877-On-Your-Side and get your Kentucky renters insurance quote today.

    Nationwide coverage in Kentucky

    Motorcycle insurance

    Find motorcycle coverages and discounts for your state.

    Auto insurance

    Find auto coverages and discounts for your state.

    Homeowners insurance

    Find homeowners coverages and discounts for your state.

    On Your Side® Review

    Make sure your insurance keeps up with your life.

    [1] Valuables Plus is an optional feature. Exclusions and limits apply. Details vary by state and policy language. Please consult your policy for the specifics of your selected coverages.

    Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply.