Kentucky insurance regulator
The state office that licenses insurers and agents and handles consumer complaints. It can look into problems like claim delays or unfair treatment, but it does not act as your lawyer.
Links checked Sep 12, 2026. Sites change — tell us if a link is broken.
This is the least coverage the law requires. It often isn’t enough to pay for a serious accident, and anything above your limits can come out of your own pocket.
- Bodily injury liability, per person
- $25,000
- Bodily injury liability, per accident
- $50,000
- Property damage liability
- $25,000
- Personal injury protection (PIP)
- $10,000 basic reparation benefits (PIP). You can reject the no-fault tort limits in writing.
- Uninsured motorist coverage
- Insurers must offer it; you can reject it in writing
Choice no-fault state. A $60,000 single limit is an alternative to 25/50/25.
Source: KRS 304.39-110 Required minimum tort liability insurance · KRS 304.39-110; KRS 304.39-020; KRS 304.39-060; KRS 304.20-020 · Reviewed Sep 13, 2026
These state-established programs cover homes that private insurers won’t. They’re meant as a last resort: coverage is often more limited and can cost more, so shop the private market and ask an agent first. Eligibility rules vary.
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Kentucky FAIR Plan FAIR Plan
Basic dwelling fire, homeowners and farm fire insurance.
Where: Statewide
Checked against each program’s website on Sep 13, 2026. Reviewed Sep 13, 2026.
- NFIP claims, 2016–2025
- 5,325
- $212.6 million paid
- NFIP claims in 2025
- 2,171
- $112.6 million paid
Standard homeowners and renters policies usually don’t cover flood damage. These figures count only National Flood Insurance Program claims. See all states and how we calculate this
Source: FEMA OpenFEMA NFIP Redacted Claims. Not adjusted for inflation.