Erie Insurance entered Kentucky in 2014 and has been the fastest-growing home and auto insurance carrier in the state since. Erie is A+ (Superior) A.M. Best rated, ranks top-quartile in J.D. Power claim satisfaction, and sells exclusively through independent agencies. This is a complete guide to Erie in Kentucky.
Written by Blake Boswell, Erie Insurance appointed agent (KK2322), Murray, KY. Updated July 2026.
Erie in Kentucky: quick facts
- Entered Kentucky in 2014
- Market share: 5-7% (still growing)
- Fastest-growing carrier in western Kentucky
- A+ (Superior) A.M. Best rating
- Top-quartile J.D. Power claim satisfaction
- Below-average Kentucky DOI complaint index
- Distribution: independent agencies only
- Products in Kentucky: home, auto, umbrella, business, farm, life
Erie’s flagship features
Erie Rate Lock (auto)
Rate Lock holds your auto premium flat between policy changes. No annual rate-hike letters. Rate only adjusts if you add/remove a driver, add/remove a vehicle, or change address. No captive carrier in Kentucky offers an equivalent product. Rate Lock FAQ.
Guaranteed Replacement Cost (home)
Erie’s top ErieSecure home tier includes Guaranteed Replacement Cost with no cap on rebuild cost. Most competitors cap at 120-150% of dwelling limit; Erie doesn’t cap.
Replacement Cost on qualifying older roofs
Most Kentucky carriers shift roofs over 15-20 years to Actual Cash Value settlement. Erie still writes RCV on qualifying older roofs — why Erie is often the answer for homes with 15-20 year old roofs.
ErieSecure Home tiers
- ErieSecure Home: Base package. Replacement Cost.
- ErieSecure Home Plus: Extended Replacement Cost (125%), Water Backup, Service Line.
- ErieSecure Home Advantage: Guaranteed Replacement Cost, higher personal property limits, higher liability limits.
Erie’s YourTurn telematics
YourTurn is Erie’s usage-based auto program. Drivers who opt in get 3-15% starting discount plus additional savings based on driving behavior. Good drivers save 10-25%. Available in Kentucky.
What Erie doesn’t write in Kentucky
- Standalone flood insurance
- Some commercial classes (trucking, certain contractors, certain manufacturing)
- Watercraft over specified lengths
Erie’s claim process in Kentucky
- 24/7 claim reporting via phone (1-800-367-3743)
- Adjuster assigned within 24-48 hours for property claims
- Top-quartile J.D. Power claim satisfaction
- Local agents can advocate on your behalf
Getting Erie in Murray, KY
Erie only sells through independent agents. Boswell Insurance Agency is Erie’s Murray, KY appointed agent (KK2322). Call (270) 925-1524.
