Kentucky Department of Insurance

02/01/2026

After storms and other disasters, fraudsters and scam artists often arrive quickly so it is important to stay alert to frauds and scams:
✅ A tree removal service may claim tree removal is covered by insurance, however your policy may state that tree removal is covered if the tree fell on your home, but not in your driveway.
✅Do not take a contractor’s word that insurance will pay for their service. Always verify with your insurance company.
✅ Do not sign any documents until you fully understand what you are signing. Beware of pressure to sign documents presented electronically, like on an iPad, that you cannot fully read and review.

More tips on disaster preparedness and recovery at INSURANCE.ky.gov

01/30/2026

If you have damage to your property from the winter storm, you may have questions about what is needed to file a claim with your insurance. Get prepared by reviewing our guide “Before and After the Storm” on our website below.https://insurance.ky.gov/ppc/Documents/Before%20&%20After%20the%20Storm_FINAL_2024%20(update-10.24).pdf

01/23/2026

With winter storms in the forecast, be sure you are making preparations to keep you and your family safe. And remember to check on your neighbors and people you know that may need assistance.

12/18/2025

The NAIC Financial Regulation Standards and Accreditation Committee voted to again accredit Kentucky's Department of Insurance. Accredited insurance departments undergo a comprehensive, independent review every five years to ensure they meet financial solvency oversight standards. Congrats to the DOI team for this recognition of their comitment to protecting Kentuckians! 🎉

12/05/2025

Attention: All Admitted Carriers With Auto Lines of Authority. In accordance with HB 390, Kentucky’s Transportation Cabinet is beginning to implement the new Kentucky Insurance Verification System. Transportation is asking insurers to register ahead of the January 15, 2026 deadline. Please click on the link below for or detailed instructions on how to register.
https://www.kentuckyivs.com/Documents/KentuckyIVS_Insurer_Implemenation_Guide_V1.pdf

06/28/2025

05/22/2025

After storms and other disasters, fraudsters and scam artists often arrive quickly so it's important to stay alert to frauds and scams:
☑️Many fraudsters travel from state to state. If you're working with contractors you don't know, find out where they're from and research them thoroughly.
☑️Before you sign any papers or pay any money to a contractor, ask for references.
More tips on disaster preparedness and recovery at INSURANCE.ky.gov.

05/16/2025

The New Madrid Seismic Zone is a 150-mile-long fault zone spanning four states in the Midwestern United States, including Kentucky. For information on obtaining an earthquake endorsement on your homeowners insurance, check out A Consumer’s Guide to Earthquake Insurance:https://insurance.ky.gov/ppc/Documents/KYDOI%20consguideearthquakeins061522mn.pdf

05/13/2025

Graduating from high school or college gives students new responsibilities, like renting new digs, starting a job and meeting financial obligations that go along with “adulting.” Here are tips for understanding basic car insurance coverage:
• For cheaper car insurance it’s smart to stay on your parent’s policy, if possible. If you need a policy, get several quotes, and ask about discounts for good grades, safe driving courses, and policy bundling with your renter insurance.
• Always speak to a licensed insurance agent regarding all your insurance options and compare several companies before purchasing any insurance policy.

04/29/2025

Team Kentucky, to lower your home's risk of damage, check your "outdoors" for items that you need to secure before the next storm hits.

04/16/2025

Storm damage? Use these tips to help insurance claims go as planned. Visit the Department of Insurance's website for additional disaster recovery information at https://insurance.ky.gov/ppc/newstatic_Info.aspx?static_ID=713