Does Erie Insurance Write Condo Insurance in Kentucky?

Yes. Erie Insurance writes condo (HO-6) insurance in Kentucky through its ErieSecure Home product. Erie’s condo policy covers your interior improvements (flooring, cabinets, fixtures), personal property, loss assessment, and personal liability — the pieces the condo association’s master policy doesn’t cover. It’s one of the strongest condo products in Kentucky, with Rate Lock and package upgrades available.

What Erie’s Kentucky Condo Policy Covers

Erie’s HO-6 policy is designed to sit alongside the condo association’s master policy. Standard coverages include:

• Building improvements and betterments — flooring, kitchen cabinets, custom fixtures inside your unit
• Personal property — furniture, electronics, clothing, valuables
• Loss assessment — your share of a special assessment the association charges after a covered loss
• Personal liability — someone injured in your unit or by your actions
• Loss of use — hotel and living expenses if your unit is uninhabitable

How Erie’s Condo Product Compares

Erie is competitive on Kentucky condo policies and offers features that most standard-market condo policies don’t:

• Rate Lock — freezes your premium after eligibility, protecting against future increases
• ErieSecure Home Plus — bundles in higher personal property limits, service line coverage, and identity recovery
• Guaranteed replacement cost on your interior improvements (available option)
• Bundling with Erie auto adds discount

What the Condo Master Policy Handles Instead

The condo association’s master policy handles the building shell, common areas, and often the walls/floors/ceilings depending on the association’s bylaws. Erie will ask which master policy form your association carries (bare walls, single entity, or all-in) to properly quote your unit-owner policy. This matters — a bare walls building requires more Erie condo coverage than an all-in building.

Why Ask an Independent Agent

Boswell Insurance Agency writes Erie plus Progressive, GEICO, and two additional carriers. For a Kentucky condo, we quote Erie alongside the other markets so you see side-by-side numbers on identical coverage. Erie is often the winner, especially for bundlers, but not always. We’ll tell you honestly.

Written by Blake Boswell, owner of the Boswell Insurance Agency, Murray, KY.