Operative Text
344.367 Unlawful discrimination in insurance against hazards to a housing accommodation. It is an unlawful practice for a person in the business of insuring against hazards to refuse to enter into, or discriminate in the terms, conditions, or privileges of, a contract of insurance against hazards to a housing accommodation because of the race, color, religion, national origin, familial status, disability, or sex of persons owning, or residing in or near the housing accommodation.
Kentucky Revised Statute § 344.367 prohibits insurance companies and others in the business of insuring housing-related hazards from refusing to issue a policy or offering different terms, conditions, or privileges based on the race, color, religion, national origin, familial status, disability, or sex of people who own, live in, or live near the property being insured. The rule applies to the full range of contractual terms, not just the decision to insure. This means that differential pricing, coverage limits, or other policy conditions tied to these protected characteristics are also prohibited.
Plain English — not legal advice.
Property owners and managers seeking hazard insurance for housing accommodations should be aware that Ky. Rev. Stat. § 344.367 prohibits insurers from treating applicants differently based on protected characteristics of the property's owners or residents. A compliant operator generally documents the terms of any insurance offer received and compares them against offers made for similarly situated properties to identify potential disparities. If an insurer declines coverage or offers materially different terms, operators typically retain records of the insurer's stated reasons, which may be relevant if a fair-housing concern arises.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Under Ky. Rev. Stat. § 344.367, tenants and nearby residents have a right to be free from insurance discrimination tied to their race, color, religion, national origin, familial status, disability, or sex. If a tenant believes that hazard insurance on their housing has been denied or offered on unequal terms because of a protected characteristic, general enforcement paths include filing a complaint with the Kentucky Civil Rights Commission or the U.S. Department of Housing and Urban Development, or consulting a tenant-rights organization familiar with fair-housing law. Keeping records of any communications or policy documents related to the insurance decision can be useful when pursuing these avenues.
General guidance for tenants — not legal advice for your specific situation. Consult a tenant-rights organization or attorney for advice on your case.
Generated October 19, 2026 — auto-generated, not yet human-reviewed. See /transparency for methodology.
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