Renters Insurance

More people than ever are renting in the state of Kentucky. Renters insurance is the best way to protect your possessions while you are renting your home. Our friendly staff at Thoroughbred Insurance Services can help you find the right kind of renters insurance for you. Let’s take a closer look at renters insurance and what it can do for you.

Landlord Requirements

While renters insurance is not required by law in the state of Kentucky, it may be recommended by your landlord. Check with your landlord or your lease to find out if renters insurance is a requirement of your rental.

Who Needs Renters Insurance

The short answer is everyone who rents! But for a more detailed look, let’s take a look at a few typical renters.

  • College Students - If you’re heading out on your own and ready for dorm life, renters insurance can help cover your laptop, clothes, and books from damages or theft. Replacing costly textbooks and computers can be a massive pain without the protection of renters insurance.
  • Home Renters - If you are renting your family home, renters insurance is a must to make sure you have your possessions protected. This insurance can help cover the costs of replacing you and your family’s belongings in the event of a fire, flood, or theft. Some plans can also help with the cost of finding temporary lodgings and a new rental if your current home is deemed unlivable.
  • Apartments and Condos - Living in apartment complexes can be hectic. Renters insurance can assure you that you no longer have to worry about what all the other renters are up to because your apartment and your belongings are covered.

Our friendly staff at Thoroughbred Insurance Services are here to help you find the renters insurance that is best for you. Give us a call or stop in today for more information!


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