Skip to main content

Request a Quote

Get a Renters Insurance Quote in Kentucky

You’ve moved into a new apartment – it’s roomy, in the right neighborhood and has a lot of other niceties, too, like parking and new kitchen appliances. It’s a place that energizes you as you plan your daily routine and life’s special events. It also shelters you in stormy times.

You’ve decorated your apartment with a mix of hand me downs, online marketplace finds and a few statement pieces that you’ll take with you with each move.

What Does Renters Insurance Cover?

A good renters insurance policy1 will help make sure that you’re covered for the what-ifs in life. What if everything you own goes up in smoke? What if you’re burglarized? 

When the unexpected happens, renters insurance can help cover:

  • Replacing your stuff, from furniture and TVs to your clothing.
  • Additional living expenses, which may include the cost of living somewhere else while your apartment is being repaired.

And there’s something else that helps with your financial security. Renters insurance provides liability protection in case you’re ever held responsible for harming other people or property—anywhere in the world.2 For example, if you damage someone else’s property, liability protection could help cover the repair costs.

Whether you live in Bowling Green, Lexington, Louisville or somewhere in between in Kentucky, we can help you protect all the things that matter to you inside your apartment.

What Does Renters Insurance Cost?

Your renters insurance premium is based on a number of factors such as your location, the cost to replace your things, the distance to the closest fire department and more. A local ERIE agent will walk you through the details.

You may even qualify for a discount if you already have an auto policy with ERIE. In some cases, the discount actually offsets the price of the renters insurance policy.3  Here are some of the other discounts that might apply:

  • Multi-policy discounts
  • Safety discounts, like our Premises Alarm System and/or Sprinkler System discount
  • Advance quote discount
  • Age of insured discount

Talk to an ERIE agent for more details on these discounts and to see what restrictions may apply.

Working with an experienced agent from your neighborhood, you’ll get coverage that fits your life and budget. Our agents work in or near your neighborhood, and are backed by a company that’s been putting customers first for nearly a century. Stop in to your independent, local agency today or find an agent nearby.

1See individual policies for specific coverage details. Certain terms and limitations may apply. Refer to our disclaimer
Medical payments for someone other than the insured or tenants in the household.
3Discounts subject to eligibility criteria and rates and rules in effect at the time of purchase. For additional information, visit or talk to your local ERIE Agent. Individual policies may differ.

Kentucky Renters Insurance

Renters insurance can help protect everything on your side of the welcome mat. It helps protect your possessions in case of unexpected events like a fire or disaster.