"According to newly released American Community Survey (ACS) data from the U.S. Census Bureau, Kentucky homeowners with a mortgage typically pay $1,000-$1,499 annually for homeowners insurance, while those without a mortgage also average $1,000-$1,499. Overall statewide costs fall into the $1,000-$1,499 range. Kentucky has 1,270,744 insured homeowner households in total-695,632 with a mortgage and 575,112 without. Among mortgaged owners, 68,706 pay less than $100 annually and 30,364 pay $4,000 or more."
"Compared with nearby states, Kentucky is on the lower end. Indiana, Illinois, and Ohio homeowners with a mortgage all average $1,000-$1,499, aligning with Kentucky. Tennessee also falls into the same range. By contrast, Missouri homeowners with a mortgage typically pay $1,500-$1,999, while West Virginia's non-mortgaged homeowners average just $800-$999, slightly lower than Kentucky. This makes Kentucky one of the more affordable states in the region, though not the very lowest."
Kentucky homeowners with and without mortgages typically pay $1,000-$1,499 annually for homeowners insurance, placing overall statewide costs in that range. The state has 1,270,744 insured homeowner households, including 695,632 with a mortgage and 575,112 without. Among mortgaged owners, 68,706 pay less than $100 annually and 30,364 pay $4,000 or more; among non-mortgaged owners, 152,092 pay less than $100 and 21,217 pay $4,000 or more. Neighboring Indiana, Illinois, Ohio, and Tennessee show similar mortgage-holder averages, while Missouri averages $1,500-$1,999 and West Virginia non-mortgaged homeowners average $800-$999.
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