Kentucky HO8 Insurance

Kentucky HO-8 Insurance policy is designed for older homes in Kentucky. The Kentucky HO8 insurance companies usually only cover the actual cash value of the home in the event of a claim. Leading homeowners insurance companies in Kentucky are Mercury, State Farm Bureau and AAA and they operate in cities such as Louisville, Frankfort, Newport or Lexington.


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What Will HO8 Insurance Cover in Kentucky?

A standard home insurance policy in Kentucky whether you live in Louisville, Lexington or Frankfort will cover most damages to your KY home and your personal belongings from perils such as explosion, lightning damage from falling objects, riots, theft, trucks or vehicles.

What is Kentucky HO8 Insurance?

Useful on older buildings that may be of historic importance and has a lower market value than pure replacement cost.

What is the main difference between HO3 and HO8 Insurance?

HO3 insurance is the most common for of coverage in Kentucky. HO8 is designed for older homes where you get cash value for the home after deducting any depreciation against the property.

What areas can qualify for HO8 Home Insurance in Kentucky?

The policy will cover any home in the state Kentucky such as:
  • Louisville, KY
  • Lexington, KY
  • Frankfort, KY
  • Covington, KY
  • Newport, KY
  • Migrate, KY
  • Pleasure Ridge Park, KY
  • London, KY
  • Ashland, KY
  • Lyndon, KY
  • Owensboro, KY
  • Bowling Green, KY
  • Saint Matthews, KY
  • Paducah, KY
  • Summitt, KY
  • Versailles, KY
  • Leitchfield, KY
  • Somerset, KY
  • Fort Mitchell, KY
  • Okolona, KY