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2024

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Best Renter's Insurance Companies in Lexington, KY

Our Recommended Top 17

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Lexington Renter's Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

119Reviewed

78Curated

17Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

773 Lane Allen Road, Lexington, KY 40504

Expertise.com Rating

Review Sources

Facebook
3.7 (3)
Google
5.0 (1)

Why choose this provider?

Located in Lexington, Gray Insurance is a locally owned and operated full-service insurance agency that brings over 40 years of experience building strong relationships with its individual and commercial clients. The company offers renter's and homeowners insurance plans that provide coverage options, including personal property, personal liability, and medical payments. Gray Insurance is a family-owned and operated business led by founder and president Larry Gray, who is a licensed property, casualty, life, and health insurance agent.

  • Multiple Policy Types

220 Lexington Green Circle, Lexington, KY 40503
WebsiteLicense: 18667063

Expertise.com Rating

Review Sources

Google
4.0 (13)
Facebook
5.0 (8)

Why choose this provider?

Summit Insurance Group caters to renters of apartments, mobile homes, or any rented living space in Lexington and the neighboring areas. Its renters' insurance policy protects the renters' personal belongings in case of theft or accidents. Owner and principal agent Steve Terell has been a licensed agent for four years and specializes in providing customized insurance coverages to fit each client's specific needs. The team led by Terell aims to provide policies, advice, and security for the clients.

  • Multiple Carriers

121 Prosperous Place, Lexington, KY 40509
WebsiteLicense: 624141

Expertise.com Rating

Review Sources

Google
5.0 (64)
Yelp
5.0 (1)

Why choose this provider?

The Hutch Agency provides risk management assistance from its Lexington office. Its team of independent agents assists clients in several areas, including renters' insurance which provides protection against property damage and bodily injury claims and helps pay for replacement costs of stolen or damaged personal possessions. In addition, they furnish mobile home, flood, pet health, and condominium protection plans. The Hutch Agency, which has been operating since 1995, is also licensed in Ohio and West Virginia.

  • Multiple Carriers
  • Multiple Policy Types

828 Lane Allen Road, Lexington, KY 40504
WebsiteLicense: 852587

Expertise.com Rating

Review Sources

Google
4.0 (28)
Facebook
4.0 (9)

Why choose this provider?

Since its inception in 2014, Lexington First Insurance has been providing multi-line insurance policies to individuals and businesses in Lexington and nearby communities. The company protects tenants, their loved ones, and their personal belongings throughout the duration of their lease with a renters' insurance policy. Its insurance brokers specialize in a variety of coverage options, including property loss, liability, and loss of use. The team also represents multiple carriers that can offer home and condo insurance.

  • Multiple Policy Types

3061 Fieldstone Way, Lexington, KY 40513
WebsiteLicense: 8629279

Expertise.com Rating

Review Sources

Google
4.0 (75)
Facebook
4.0 (54)

Why choose this provider?

Bray & Oakley Insurance Agency is a full-service brokerage that serves individuals and businesses in Lexington. With the help of partner carriers like Allstate, Chubb, and Progressive, the independent company can provide different types of protection, covering renters' insurance which provides liability and personal property coverage. The agency, which was established in 1920, has been led by Paul Clinton Winter since 1982. He is a Certified Insurance Counselor and Accredited Advisor of Insurance with nearly 50 years of trade experience.

  • Multiple Policy Types

3301 Keithshire Way, Lexington, KY 40503
WebsiteLicense: 812240

Expertise.com Rating

Review Sources

Google
5.0 (14)
Facebook
5.0 (2)

Why choose this provider?

Michelle Oberto is a State Farm agent providing renters' insurance services to Lexington. She helps clients who want to protect their rental homes from property damages, liability claims, and injuries. She also assists individuals from the financial burden of accidents and weather impacts. In addition, she offers a policy that covers watercraft equipment, banknotes, comic book collections, and firearms. Michelle has been working with State Farm for over 7 years and is a board member of Chi Omega Advisory and Junior League of Lexington.

  • Multiple Policy Types

3320 Clays Mill Rd Ste 211, Lexington, KY 40503
WebsiteLicense: 782656

Expertise.com Rating

Review Sources

Google
4.0 (4)
Facebook
5.0 (2)

Why choose this provider?

Parsons & Howard Insurance Group is a team of independent agents serving Lexington and nearby locations. They offer various risk management solutions, including renters' insurance, which covers personal property such as furniture and clothing and helps pay for additional living expenses in case the policyholder's home becomes uninhabitable. They review policies from numerous providers such as Nationwide, Progressive, and Safeco, allowing them to find suitable coverage options for renters. Agency owner Daniel Howard started working in the insurance industry in 2006.

  • Multiple Carriers
  • Multiple Policy Types

3525 Lansdowne Drive, Lexington, KY 40517
WebsiteLicense: 398413

Expertise.com Rating

Review Sources

Google
5.0 (44)
Facebook
5.0 (24)

Why choose this provider?

Slade & Collins is an insurance agency that has been serving Lexington and nearby communities for over 86 years. It assists renters in obtaining the right insurance policies by providing customized plans that cover personal property and personal liability. With a network of insurance carriers like American Modern and Celina Insurance Group, the company has flexible policies and options to suit different needs. It also offers insurance products across auto, health, life, and business insurance lines.

  • Multiple Policy Types

151 Prosperous Place, Lexington, KY 40509
WebsiteLicense: 916632

Expertise.com Rating

Review Sources

Google
5.0 (169)
Facebook
5.0 (55)

Why choose this provider?

Carpenter Insurance Group is an independent insurance company that serves clients in the Lexington area. It offers a range of renters' insurance policies designed to help customers protect their personal belongings from natural or man-made catastrophes. Its policies cover liabilities, electronics, appliances, and additional living expenses. The company also provides risk protection packages for motorcycles, homes, and automobiles. It has been in operation since 2016. Its owner, Chase Carpenter, began his career in the insurance industry in 2012.

  • Multiple Policy Types

108 Pasadena Drive, Lexington, KY 40503
WebsiteLicense: 1047511

Expertise.com Rating

Review Sources

Google
5.0 (49)
Facebook
5.0 (1)

Why choose this provider?

Based in Lexington, Shalimar Norris works with homeowners and renters in the area. As a State Farm insurance agent, she educates clients about the importance of getting insurance plans and the renters' insurance coverage, including personal property damage arising from accidents, vandalism, weather impacts, and loss of use. Her team also offers life, health, and auto insurance. A native of Michigan, Shalimar has been working for State Farm since 2020. She is a mother of a 15-year-old boy and loves cooking and traveling.

  • Multiple Carriers
  • Multiple Policy Types

465 East High Street, Lexington, KY 40507
WebsiteLicense: 583843

Expertise.com Rating

Review Sources

Facebook
5.0 (12)
Google
4.0 (9)

Why choose this provider?

Established in 1952, Lexington Insurance Agency is a family-owned insurance firm serving the residents of Lexington and the surrounding communities. It helps customers secure a renters' insurance policy to protect their most valued assets in case of theft, accidents, or natural disasters. It also provides auto, life, health, pet, business, and product liability insurance. Lexington Insurance Agency partners with insurance companies such as Progressive, Safeco Insurance, and American Modern Insurance to provide its clients with the policy that fits their specific situations.

  • Multiple Carriers

1795 Alysheba Way #1101, Lexington, KY 40509
WebsiteLicense: 888084

Expertise.com Rating

Why choose this provider?

Renee Jackson Insurance Agency serves individuals, families, and small to large businesses in Lexington and the surrounding areas. It offers renters' insurance plans that cover losses and damages to personal property caused by perils like fire, theft, hail, and lighting. Other coverage options include liability and loss of use. The agency also writes auto, individual life, workers' compensation, and restaurant insurance policies with various companies such as Encompass, Hagerty, Progressive, Travelers, and Nationwide. Owner Renee Jackson has been in the industry since 1994.

  • Multiple Policy Types

80 Codell Drive, Lexington, KY 40509
WebsiteLicense: 18117450

Expertise.com Rating

Review Sources

Google
5.0 (139)

Why choose this provider?

Thoroughbred Insurance Services is an independent agency based in Lexington that offers insurance coverage for life, home and renters, commercial, and auto. The company's renters' insurance covers claims for damaged dwellings and for loss, theft, or damage of personal belongings and other valuables items. It also has life insurance that includes term life, whole life, and universal life policies. Its home insurance has the property coverage option for claims for damaged dwelling and other structures within the property, and a liability coverage option when clients are sued for accidental property damage or injury.

  • Multiple Policy Types

1513 Nicholasville Road, Lexington, KY 40503
WebsiteLicense: 386373

Expertise.com Rating

Review Sources

Google
4.9 (238)
Facebook
4.3 (28)
Yelp
5.0 (7)

Why choose this provider?

Debra Hensley is a State Farm insurance agent who serves individuals and businesses throughout the Lexington area. She provides various types of insurance products, including renters' insurance plans. She offers coverage for personal belongings, such as collections and keepsakes, electronic equipment, and furniture. She also provides policies that cover theft losses of high-value items, such as jewelry, stamps, goldware and silverware, and wall hangings. Additionally, Hensley offers homeowners', condominium, auto, life, and health insurance products.

  • Multiple Carriers
  • Multiple Policy Types

3008 Atkinson Avenue, Lexington, KY 40509
WebsiteLicense: 3007698

Expertise.com Rating

Review Sources

Google
4.0 (105)
Facebook
5.0 (14)

Why choose this provider?

Energy Insurance Agency is a Lexington-based company providing insurance solutions for over 39 years. Its team of agents helps renters assess and obtain the right insurance policies that cover their personal belongings while leasing. They create comprehensive renters' insurance programs that cover personal property, temporary accommodation, and liability coverage. The company also handles other personal insurance lines, including auto insurance, homeowners' insurance, pet insurance, and other disaster coverages. It has a team of over 100 associates who are licensed to help renters across 48 states.

  • Multiple Policy Types

3320 Clays Mill Road, Lexington, KY 40503

Expertise.com Rating

Review Sources

Facebook
4.8 (34)

Why choose this provider?

Kentucky Insurance & Investment Group is an independent insurance firm that serves the Lexington metro and the surrounding areas. It offers renters' insurance that protects clients from various risks. In addition, it carries manufactured home, auto, business, life, and pet insurance. When working with clients, the firm evaluates their particular needs and aims to make buying policies hassle-free. Kentucky Insurance & Investment Group is partnered with several insurance companies, such as American Modern Insurance Group and The Hartford.

  • Multiple Policy Types

2300 Regency Road, Lexington, KY 40503
WebsiteLicense: 893735

Expertise.com Rating

Review Sources

Google
4.0 (42)
Facebook
4.0 (28)

Why choose this provider?

Cambridge Insurance is a local independent insurance agency serving individuals, families, and businesses in Lexington. It offers an extensive line of personal and commercial insurance products, including renters' insurance which protects valuables in rented properties like homes and apartments. The coverage includes personal properties and liabilities protection against any threat or danger such as water damage, fire accidents, theft, and loss of use. All its insurance products are contracted with selected carriers like Progressive, Safeco Insurance, and Zurich.

  • Multiple Carriers
  • Multiple Policy Types

Compare our Top Renter's Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Gray Insurance
773 Lane Allen Road, Lexington, KY 40504
Summit Insurance Group
220 Lexington Green Circle, Lexington, KY 40503
The Hutch Agency
121 Prosperous Place, Lexington, KY 40509
Lexington First Insurance
828 Lane Allen Road, Lexington, KY 40504
Bray & Oakley Insurance Agency
3061 Fieldstone Way, Lexington, KY 40513
Michelle Oberto
3301 Keithshire Way, Lexington, KY 40503
Parsons & Howard Insurance Group
3320 Clays Mill Rd Ste 211, Lexington, KY 40503
Slade & Collins
3525 Lansdowne Drive, Lexington, KY 40517
Carpenter Insurance Group, LLC
151 Prosperous Place, Lexington, KY 40509
Shalimar Norris
108 Pasadena Drive, Lexington, KY 40503
Lexington Insurance Agency
465 East High Street, Lexington, KY 40507
Renee Jackson Insurance Agency
1795 Alysheba Way #1101, Lexington, KY 40509
Thoroughbred Insurance Services
80 Codell Drive, Lexington, KY 40509
Debra Hensley
1513 Nicholasville Road, Lexington, KY 40503
Energy Insurance Agency
3008 Atkinson Avenue, Lexington, KY 40509
Kentucky Insurance & Investment Group
3320 Clays Mill Road, Lexington, KY 40503
Cambridge Insurance
2300 Regency Road, Lexington, KY 40503

FAQs

  • What falls under the renters insurance coverage in Lexington?

    Renters insurance in Lexington protects their personal belongings, such as furniture and electronics, from theft or damage. They can customize the coverage limits and deductibles. The policy also includes liability coverage, which can help with injury or property damage claims. Renters can also choose medical payment coverage for visitors' medical expenses if they are injured at their location, regardless of fault.

  • How can you potentially reduce the cost of your renters insurance in Lexington?

    You have several options for lowering your Lexington renters insurance costs. To begin, you can save money by combining renters insurance with other types of insurance. Additionally, if your home is equipped with safety devices such as smoke detectors, fire alarms, or burglar alarms, you may be eligible for a discount.

  • Can landlords require you to have renters insurance in Lexington?

    Yes, landlords in Lexington can require renters insurance. This ensures that the apartment is returned in the same condition in which it was leased to you. Some tenants mistakenly believe that their landlord will replace their belongings in the event of theft or fire. Renters insurance eliminates this misunderstanding and clarifies that tenants are responsible for insuring their belongings. Furthermore, renters insurance can protect you and your landlord if a guest is injured on your property.

  • How do you file a claim on your renters insurance after a loss in Lexington?

    First, notify your Lexington insurance company as soon as possible. Report the theft to the police, and notify your bank if your credit or debit card has been stolen. Make a list of your possessions, including the quantity, description, value, and amount of loss. Keep in mind that in some cases, only a subset of these steps may be required. Nonetheless, following your insurance company's guidelines is critical for a successful claim.

  • What situations are not covered by your renters insurance in Lexington?

    Lexington renters insurance has specific exclusions. It does not cover earthquake damage to your belongings, which requires a separate earthquake insurance policy. Furthermore, renters insurance does not cover expenses related to bed bugs or other pests, and it does not cover damage or liability for other tenants unless they are explicitly listed on your policy.

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