Business Owners Policy (BOP) Insurance Agencies in Kentucky

Kentucky at a glance

• 56business owners policy (bop) 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 KentuckyHow much liability cover do you need?

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