Home Insurance in Pulaski County, KY — Trusted Protection for Homeowners Across Kentucky
Your home is more than a roof over your head — it’s where your life happens. Whether you're living in Somerset, elsewhere in Pulaski County, or anywhere across Kentucky, Stewart & Tucker Insurance provides reliable home insurance designed to protect what matters most.
As independent agents, we compare quotes from top-rated carriers to help you find affordable, personalized home insurance that keeps your property and finances secure.
What Should Your Home Insurance Policy Cover?
Every home in Kentucky is unique — and your insurance policy should reflect that. Whether you own a house, condo, rental property, or manufactured home, here are the essential coverages you should consider:
Dwelling Coverage
Pays to repair or rebuild your home after covered losses such as fire, wind, hail, or storm damage — common risks for Kentucky homeowners.
Personal Property Coverage
Protects your belongings — furniture, appliances, clothing, electronics, and more — whether damaged, stolen, or destroyed.
Liability Protection
Helps cover legal and medical expenses if someone is injured on your property or if you unintentionally damage someone else’s belongings.
Loss of Use (Additional Living Expenses)
Covers temporary housing, meals, and living costs if your home becomes uninhabitable after a covered event.
Medical Payments to Others
Pays for minor medical expenses if a guest is injured in your home — regardless of who was at fault.
Other Structures Coverage
Provides protection for buildings not attached to your main home, such as sheds, fences, carports, and detached garages.
Add‑Ons That Matter
Optional endorsements offer expanded protection for Kentucky homeowners, especially in areas prone to unique risks.
Flood Insurance
Critical for many parts of Kentucky where heavy rain and flash flooding occur frequently.
Earthquake Coverage
Helps protect your home from structural damage caused by ground movement.
Scheduled Personal Property
Covers high-value items — jewelry, firearms, collectibles, instruments — at their full appraised value.
Why It Matters
Why Home Insurance Matters in Kentucky
From severe storms and tornadoes to flooding, break-ins, and liability claims, Kentucky homeowners face a wide range of risks. Your home insurance policy is more than a requirement — it’s the foundation of your long-term financial security.
At Stewart & Tucker Insurance, we help you protect your home and your peace of mind by building a policy that fits your life, your budget, and your unique exposure.
What You Need to Know About Home Insurance in Kentucky
Is home insurance required in Kentucky?
It’s not mandatory by law — but mortgage lenders typically require coverage to protect your investment.
How much home insurance do I need?
We recommend insuring your home for its full replacement cost, not its market price.
Does homeowners insurance cover flooding
No. Flood insurance is separate, and we can help you secure the right policy.
Can I save money by bundling?
Absolutely. Bundling home and auto insurance often results in significant discounts.
Do home insurance rates vary across Kentucky?
Yes — factors like county, construction type, home age, and claims history can affect premiums.
We shop multiple carriers to find the best rate for Pulaski County and for homeowners across Kentucky.
Get Personalized Home Insurance That Fits Your Life
From friendly neighborhoods in Somerset to communities throughout Pulaski County and beyond, we help Kentucky homeowners protect their homes, families, and future. Let’s build the right coverage together.