Kentucky has 4,534,824 residents. We list 52 agencies for accident & health insurance in Kentucky. Here is what the local numbers say about the cover people here need.

Kentucky at a glance

52accident & health insurance agencies listed
31.7%of households rentRenters insurance
$205,600median home valueHome insurance
1982median year homes were builtRebuild cost calculator
6.8%of households have no carAuto insurance
10.7%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk across Kentucky

How many of Kentucky’s 120 counties FEMA rates Relatively High or Very High for each hazard, compared with other U.S. counties.

Ice storm26 of 120 counties
Very High in Hopkins County, Daviess County.
Strong wind22 of 120 counties
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Kentucky
Winter weather7 of 120 counties
Lightning7 of 120 counties
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Kentucky
Tornado6 of 120 counties
Very High in Jefferson County.
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Kentucky
Inland flooding3 of 120 counties
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in every state

Source: FEMA National Risk Index, December 2025 release.

Car insurance rules in Kentucky

Kentucky requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25. A combined single limit of $60,000 is accepted instead. It also requires personal injury protection ($10,000). Kentucky is a choice state: drivers choose between no-fault and traditional at-fault cover.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Kentucky How much liability cover do you need?

Source: apps.legislature.ky.gov, limits in force since 2018-01-01. Checked 2026-10-24.

Insurance companies Kentucky agencies work with

Of the 52 Kentucky agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Medicare Advantage34 agencies
UnitedHealthcare33 agencies
Centene29 agencies
Aetna24 agencies
Humana22 agencies
Devoted Health Plan of Texas,15 agencies
Molina Healthcare of Texas,13 agencies
Blue Cross Blue Shield12 agencies
National Pacific Dental,11 agencies
Gerber Life Insurance Company10 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Questions

Accident & Health insurance in Kentucky

All insurance agencies in Kentucky · Accident & Health insurance in every state

Where can I find accident & health insurance in Kentucky?

Pick your city in the list on this page to see every agency there that offers accident & health insurance, or search by name or ZIP code.

What does accident & health insurance cover?

Supplemental cover that pays out on accident, illness or hospital stay.

Which insurance companies do Kentucky agencies work with?

Among the 52 Kentucky agencies whose appointments we hold, the companies they are most often appointed with are Medicare Advantage (34), UnitedHealthcare (33), Centene (29), Aetna (24), Humana (22). An appointed agency can quote that company's policies.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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