KRS 304.20-260: Maximum coverage for loss or damage to structure.

After July 15, 1986, no insurer shall deliver, issue for delivery or renew any policy or

policies providing coverage for loss or damage to a structure located in this

Commonwealth for an amount greater than one hundred percent (100%) of the

replacement cost of the structure. For the purpose of this section, "structure" means any

dwelling, building or fixture permanently affixed to realty, but does not include land,

trees, plants or crops.