Kentucky National Insurance Company
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Homeowners – Kentucky (Homeowners Business – Company Selection and Agent Binding Limitations, rev. 09/16) Preferred/Target risks - Written through licensed, appointed independent agents only; brokered business is not acceptable and violates the Agent–Company Agreement. - Desirable insureds show stability in employment, finances and personal affairs, favorable prior insurance and loss history, and pride of ownership. - Homes show good maintenance and upkeep, are in stable or improving areas, not over‑valued for neighborhood, and used for private residential living with the insured’s primary residence (secondary acceptable only if primary also insured with Kentucky National). - Acceptable construction and systems: central heat; circuit‑breaker electrical service; roofs of asphalt shingle, tile, slate, or standing‑seam metal; enclosed foundation; visible from at least two neighboring homes; property on an accessible all‑weather road. - For HO‑3 (HO 00 03) Blue Ribbon/Medalist/Vantage, typical Coverage A ranges roughly from $75,000–$500,000 depending on program and protection class; 100% insurance‑to‑value required on HO‑3. Geographic/Protection class - Manual is labeled "KENTUCKY NATIONAL INSURANCE COMPANY – Homeowners Business – KENTUCKY" and is intended for Kentucky risks. - Fire protection class eligibility by program: Blue Ribbon PC 1–8; Medalist PC 1–9 (PC 9 only in named, platted subdivisions of at least 20 dwellings with required suburban form); Vantage PC 1–10 (PC 9/10 subject to same subdivision and program rules). Eligibility & program placement - Auto policy with Kentucky National is required for Blue Ribbon, not required for Medalist or Vantage. - Prior homeowners insurance is required for all programs unless the home is a new purchase. - Weather loss history: each program has specific limits; generally one or two weather losses within past five years are acceptable depending on program; any prior total fire loss or major non‑weather loss (fire/theft >$5,000 or other non‑cat loss >$10,000) may not be bound and must be submitted unbound. Property age and condition - Dwellings over 30 years old must have documented updates: roof replaced and heating, plumbing, and electrical systems updated. - Yard and premises must be free of debris and hazards (e.g., inoperable autos, refuse piles, tall grass, overhanging or diseased trees, unfenced pools, unsafe recreational equipment). Ongoing exterior maintenance (doors, windows, chimneys, walkways, roof, porches, gutters, paint, fences, siding) is required. - Each home must have working smoke detectors, a fire extinguisher, and deadbolt locks on exterior hinged doors at time of application. Restricted or declined risks - Brokered business is prohibited. - Heat sources: solid‑fuel devices (wood/coal/pellet, etc.), kerosene heaters or electric space heaters used as primary or continuous secondary heat, and wall heaters are unacceptable. - Animals: any non‑domesticated animal; any domestic animal with prior bite or aggressive behavior; and certain dog breeds (Akita, Malamute, Chow Chow, Doberman, German Shepherd, Pit Bull, Presa Canario, Rottweiler, Siberian Husky, Staffordshire Bull Terrier, all wolf hybrids). If such an animal is present, coverage may only be written with the Animal Liability Exclusion endorsement and signed acknowledgment; otherwise risk is ineligible. - Seasonal/secondary dwellings: ineligible if located in states where Kentucky National is not licensed/actively writing, if non‑owner‑occupied, or if Kentucky National does not insure the primary residence. - Vacant dwellings (unoccupied >30 days with intent to keep vacant) are ineligible. - Unfenced swimming pools or hot tubs are ineligible. - Ineligible applicants: currently in foreclosure; more than two mortgages or private mortgage on the residence premises; delinquent real estate taxes on the insured dwelling; unpaid earned premium or denied reinstatement with Kentucky National. - Company does not insure unset diamonds or bullion under scheduled personal property; property titled to a business entity is not eligible under the homeowners policy. Submission, binding & documentation - All business must originate from persons licensed for the agency by Kentucky National; agents may bind only risks that clearly meet manual requirements and within stated binding limits. - Applications or binders must be uploaded to the company no later than the 4th business day after inception of coverage. - Risks that do not meet binding requirements must be submitted UNBOUND as trial applications: omit effective date, do not obtain applicant signature, and do not collect premium until company approval. - Photographs of the front and rear of the dwelling are required within 14 days of application. - A completed home cost estimator supporting Coverage A must be sent at policy upload. - For scheduled personal property: must insure to 100% of current market value, provide detailed item descriptions and valuation evidence; appraisals required above certain limits; binding authority is capped at specified per‑item and per‑schedule amounts (e.g., jewelry/furs/fine arts generally limited to $15,000 per item / $50,000 per schedule). Weather/binding moratoriums - Automatic binding suspensions apply after earthquakes of magnitude 4.0+ within 150‑mile radius for 72 hours. - No new or additional property coverage may be bound or increased when a hail, hurricane, tropical storm, tornado, flood, or wildfire watch/warning/occurrence is in effect in the area; agents must stop writing immediately without waiting for home office notice. Producer notes (operational) - Use Blue Ribbon where auto is placed with Kentucky National and higher‑quality risks (newer homes, lower protection classes) meet program criteria. - Medalist/Vantage accommodate broader protection classes and older dwellings, subject to upgrade, loss, and occupancy rules. - Carefully triage animal exposures, occupancy (primary vs secondary vs rental), vacancy, and property condition before binding to avoid post‑inspection non‑renewals. - When in doubt or when risk falls outside stated binding thresholds (loss history, schedules, PC 9–10, older homes lacking updates), submit unbound to underwriting for prior approval rather than binding.