Name both states in the header, then name the towns lower down
The doubt a Southern Indiana visitor arrives with is not whether you are any good, it is whether you cross the Ohio River at all.
Put the coverage line where it cannot be missed, in the header or the first line under the hero. Kitchen and bath remodeling in Louisville and Southern Indiana, if that is true. Kitchen and bath remodeling in Jefferson, Oldham and Bullitt County, if that is what is true instead.
If you only work Kentucky, say so. A clear no keeps your phone free of inquiries you would decline anyway, and homeowners remember the company that told them straight rather than the one that let them fill out a form and waited three days to explain.
Lower on the page, give the towns and counties room to breathe with a simple map and a short paragraph each. A wall of place names looks like keyword stuffing to a person, which is a worse problem than looking like it to a search engine.
Any statement about what you are permitted to do in each state should be general. Say that requirements differ across the line, that you work under whichever applies, and point people to their local building department for specifics.