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
Verified official consumer site and official agent-system underwriting PDF for Homeowners. Kentucky National markets personal lines through independent agents and states products are sold exclusively through independent agents. The published home guide is an older but still accessible official underwriting/manual document labeled Kentucky Homeowners Business / Company Selection and Agent Binding Limitations. Preferred business: owner-occupied private residential homes showing pride of ownership, good maintenance and upkeep, stable or improving neighborhoods, favorable prior insurance and loss history, applicants with stable employment/financial/personal affairs, and primary residences; secondary residences are acceptable only when Kentucky National also insures the primary residence. Program structure shown: Blue Ribbon, Medalist, and Vantage. Coverage/form ranges shown include HO-3 generally from $75,000 to $500,000 depending on program/protection class, HO-8 from $40,000 to $300,000 in Vantage, renters HO-4 from $12,000 to $75,000, and condo HO-6 from $25,000/$50,000 up to $250,000 depending on program/protection class. Binding/eligibility notes: risks meeting requirements may be agent-bound within stated limits; applications/binders must be uploaded no later than the 4th business day after inception; brokered business is not acceptable; non-qualifying risks may be submitted unbound as a trial application. Property requirements include central heat, circuit breakers, enclosed foundation, accessible all-weather road, visible by at least two neighbors, working smoke detector and fire extinguisher, deadbolt locks on exterior hinged doors, and evidence of ongoing maintenance. Homes over 30 years old must have updated roof, heating, plumbing, and electrical. Acceptable roof materials listed are asphalt shingle, tile, slate, or standing-seam metal; rolled roofing is unacceptable. Solid-fuel devices are not eligible; kerosene heaters, wall heaters, and electric space heaters used as primary or full-time secondary heat are unacceptable. Loss/geography/protection notes in the guide: Blue Ribbon generally targets better protection classes and requires Kentucky National auto; Medalist and Vantage broaden eligibility; protection classes 9 and 10 are restricted to certain programs; PC 9 in Medalist requires a named/platted subdivision with at least 20 dwellings, otherwise Vantage only; PC 10 only Vantage. Prior insurance is generally required unless new purchase. Weather-loss tolerance is limited (1 weather loss in 5 years for Blue Ribbon; up to 2 for Medalist/Vantage); no prior total fire loss or major fire/theft loss over $5,000 or other non-weather loss over $10,000 may be bound. Restricted/declined exposures include vacant dwellings (over 30 days with intent to vacate/keep vacant), non-owner occupied dwellings, seasonal dwellings where the carrier is not licensed/actively writing or where it does not insure the primary residence, unfenced hot tubs or swimming pools, certain animal exposures, applicants in foreclosure, residences mortgaged more than twice or with a private mortgage, and delinquent real-estate taxes. Dog breeds listed as restricted include Akita, Alaskan Malamute, Chow Chow, Doberman, German Shepherd, Pit Bull, Presa Canario, Rottweiler, Siberian Husky, Stafford Bull Terrier, and wolf hybrids; if present, the guide says the policy may only be written with an Animal Liability Exclusion endorsement and signed acknowledgment. Submission requirements/instructions: submit front and rear dwelling photos within 14 days of application, send a completed Home Cost Estimator with policy upload, contact the underwriter before binding schedules over 25% of Coverage A or single items over $10,000 (HO-4: 25% of Coverage C), and obtain appraisal for single scheduled items over $5,000. Trial applications for prior approval should omit the effective date, not require the applicant signature, and not collect a premium deposit. Broker/producer notes: official site provides Agent Login through Stingray; business must originate from persons licensed for the agency by the company, and brokered business violates the Agent-Company Agreement. Because the verified underwriting PDF is dated 09/16, treat it as the latest publicly accessible official home guide found rather than proof of a recent update.