Expertise.com
2024

Last updated:

Best Homeowners Insurance Agencies in Lexington

Our Recommended Top 18

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

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

177

Reviewed

113

Curated

18

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
220 Lexington Green Circle Suite 130, Lexington, KY 40503
  • Renter's Insurance

Why choose this provider?

Summit Insurance Group helps the residents of Lexington in protecting their homes and valuables from unexpected risks. It offers homeowners' insurance that pays for home repairs and replaces personal belongings in the event of a disaster. The insurance agency also provides insurance products for automobiles, renters, landlords, and condominiums. It represents multiple insurance carriers, including Progressive, Hagerty, and Erie Insurance, which allows clients to choose insurance plans that suit their needs. Owner Steve Terrell is committed to providing clients peace of mind through insurance.

License Verified:

License: 981265

Kentucky Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3306 Clays Mill Road Suite 104, Lexington, KY 40503
  • Multiple Carriers

Why choose this provider?

Mayne Insurance Agency offers an array of homeowners' insurance policies to clients in the Lexington area. Its homeowners' plans help policyholders protect their homes and personal possessions, including electronics, furniture, and fitness equipment, from different catastrophes. Working with insurance carriers such as Progressive and MetLife, the agency also offers commercial, life, and automobile insurance packages. Mayne Insurance Agency partner Debbie McVeigh has been in the risk protection industry since 1997. She worked as an agent for a local credit union before helping establish Mayne Insurance.

License Verified:

License: 906396

Kentucky Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
4.8 / 5 (23)
Google
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
328 Highland Park Dr, Richmond, KY 40475
  • Multiple Carriers

Why choose this provider?

Parsons & Howard Insurance Group offers homeowners' insurance in Lexington and the neighboring communities. The agency offers policies that protect primary dwellings from fires, windstorm damage, and thefts. It covers liability in the event that a guest is injured within the premises and helps the policyholder pay for medical expenses. Auto, boat and watercraft, life, and renters' insurance policies are also available. The agency works with carriers like State Auto Insurance Companies, Progressive, Nationwide, and Safeco Insurance.

License Verified:

License: 16657741

Kentucky Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
80 Codell Drive Suite 110, Lexington, KY 40509-1180
  • Condos
  • Multiple Policy Types

Why choose this provider?

Andrew Wade is a State Farm insurance agent that caters to clients in the Lexington metro and nearby areas. Wade provides homeowners' insurance solutions to offer coverage for items like jewelry, pictures, and collectibles. He also offers insurance options for clients who own manufactured homes. Wade's other insurance products include life, auto, business, and health insurance. He has more than seven years of experience in the insurance industry and can communicate with clients in English and Spanish.

License Verified:

License: 1079205

Kentucky Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (184)
Facebook
5.0 / 5 (31)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1021 Majestic Dr., Suite 330, Lexington, KY 40513
  • Renter's Insurance

Why choose this provider?

Insurance Associates is a locally owned and operated agency that serves individuals and businesses in Lexington and nearby areas. It offers homeowners insurance policies that cover natural disaster damage, medical liability, theft, and vandalism. It also has policies for flood and earthquake coverage. The company provides various risk management solutions for life and health, including group benefit plans under an employer or association. Insurance Associates was established in 1969. It is a member of the IIABA.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1795 Alysheba Way #1103, Lexington, KY 40509
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Brooke Whalen Insurance has been providing services to individuals and families in the Lexington metro since 2015. It offers homeowners’ insurance to protect clients from financial losses caused by unforeseen events like floods, earthquakes, fires, and thefts. The company also crafts coverages for personal belongings like clothes and jewelry. It also helps clients acquire life, auto, and business insurance. Owner Brooke Whalen gives back to the community by supporting various organizations, including Alzheimer’ser’s Association and Jesus Prom and Extend Hope to Haiti.

License Verified:

License: 890252

Kentucky Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3320 Clays Mill Road, Lexington, KY 40503
  • Multiple Policy Types

Why choose this provider?

Headquartered in Lexington, Kentucky Insurance & Investment Group represents multiple insurance companies and helps homeowners look for suitable insurance coverages. The firm maintains online insurance quote forms to provide quote comparisons for various insurance plans, including manufactured home, flood, and renters' insurance. Owner and agent Christy Razavi has been with the agency since 2009. She focuses on health, life, property, and casualty insurance and supports local development efforts. Her community involvement includes donating to Habitat for Humanity.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (15)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
151 Prosperous Place Suite 1A, Lexington, KY 40509
  • Renter's Insurance
  • Multiple Carriers

Why choose this provider?

The Carpenter Insurance Group, LLC, is an independent company that serves clients in the Lexington metro. It helps clients protect their property investments with homeowners' insurance products. It likewise provides auto insurance solutions, and its agents can offer further protection options to cover personal injury and repair costs. The insurance agency also manages renters' insurance policies. Its other insurance products include umbrella, motorcycle, life, and watercraft insurance. The Carpenter Insurance Group has been operating since 2016 and partners with firms like Allstate and AIG.

License Verified:

License: 916632

Kentucky Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (221)
Facebook
5.0 / 5 (78)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1795 Alysheba Way, Suite 2104, Lexington, KY 40509
  • Renter's Insurance
  • Homeowners

Why choose this provider?

John Parkhurst is a State Farm insurance agent that serves individuals in Lexington and its neighboring areas. He helps homeowners protect their properties and personal belongings by procuring tailored insurance plans that cover their homes and mitigate risks. With a network of insurance providers, he assists clients in selecting the right policies and coverages. He also offers other insurance products, such as auto, life, business, and health insurance. A top-producing agent, he is also a receiver of the State Farm Chairman's Circle Award.

License Verified:

License: 8823147

Kentucky Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (200)
Facebook
4.9 / 5 (35)
Yelp
2.7 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
127 Cheapside, Lexington, KY 40507
  • Renter's Insurance
  • Multiple Policy Types
  • Homeowners
  • Landlords

Why choose this provider?

John G. King Insurance has been providing comprehensive home insurance solutions to the residents of Lexington for almost a century. It also works with different insurance carriers to offer suitable coverages for landlords, renters, and automobiles. The agency adopts a consultative approach to meet clients' growing and changing insurance needs. Principal partner John G. King, IV, has more than 15 years of industry experience and considers insurance as his passion.

License Verified:

License: 594090

Kentucky Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (21)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1025 Dove Run Rd 302, Lexington, KY 40502
  • Homeowners

Why choose this provider?

Based in Lexington, the Randolph Scott Insurance Agency has been providing insurance solutions to individuals and homeowners since 1982. The company carries a selection of coverage options for boat, automobile, home, and ATV insurance products. Kent Smith, the agency owner, has been mentored by Randolph Scott, the founder, for over 12 years prior to his taking over of the business. Even with Scott's death in 1994, Smith and his staff retained the company name to reflect the customer representation and values he instilled.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (19)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1202 Winchester Rd Ste 100, Lexington, KY 40505
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Active since 1912, Reed Brothers Insurance is an independently owned and locally operated agency serving the Lexington, Kentucky, metro area, and it has five offices within the state. It provides home insurance services to owners, renters, and landlords, the latter of whom are offered special policies to protect their investment properties. Traditional homes and condominiums are its most commonly insured residential property types, and for clients in special hazard areas, it handles flood and earthquake policies which are not included in standard coverage. Clients who also need vehicle, business, or life insurance can purchase umbrella insurance packages for additional benefits.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (29)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
80 Codell Dr 260, Lexington, KY 40509
  • Multiple Policy Types

Why choose this provider?

Thoroughbred Insurance Services addresses the needs of individuals and families in Lexington and the surrounding areas. The company offers a wide array of products, including homeowners', renters', auto, life, and commercial insurance, designed to protect the client's most valuable assets from unexpected loss. It works with an extensive list of national carriers to find the coverage that fits the policyholder's needs and requirements. The company also offers options for power sports and recreational vehicle insurance.

License Verified:

License: 929815

Kentucky Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3525 Lansdowne Dr, Lexington, KY 40517
  • Renter's Insurance

Why choose this provider?

Slade & Collins Insurance has been serving the Lexington metro and its surrounding areas since 1935. The agency provides individuals and families with home, auto, health, and life insurance solutions. Its team of agents handles home insurance policies that cover personal property and liability, offering it to clients living in their owned properties such as conventional houses, condominiums, and townhouses. The company offers businesses insurance policies that provide them with property damage and casualty coverages. Slade & Collins also offers equine and farm insurance plans.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (78)
Facebook
5.0 / 5 (31)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2201 Regency Re Ste 701, Lexington, KY 40503
  • Homeowners

Why choose this provider?

The Real Good Group is a Lexington-based independent insurance agency. It offers personal and business insurance options, like homeowners', workers' compensation, and life insurance. For homeowners' insurance, its staff helps clients find policies that cover factors such as personal liability and additional living expenses. The Real Good Group has helped over 1,900 clients get insurance coverage since its establishment. It donates a portion of its proceeds to local charities within the Lexington and Central Kentucky area.

License Verified:

License: 981194

Kentucky Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (258)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
189 North Upper St., Lexington, KY 40588
  • Personal Property Insurance

Why choose this provider?

Hurst Home Insurance serves property owners in Lexington. The insurance company offers home, farm, and liability insurance policies. It caters to owner-occupied and rental homes, farm buildings and equipment, and modular dwellings. Clients pay only for what they want to be covered. If they have a barn or outbuilding that they do not want to be part of the insurance plan, it can be excluded from the policy. As a mutual company, Hurst Home Insurance is entirely owned by the policyholders, and profits are shared equally. It has been operating since 1891.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
107 Dennis Drive, Lexington, KY 40503
  • Multiple Policy Types

Why choose this provider?

Error message: The connection has timed out An error occurred during a connection to bakerinsure.com. The site could be temporarily unavailable or too busy. Try again in a few moments. If you are unable to load any pages, check your computer’s network connection. If your computer or network is protected by a firewall or proxy, make sure that Firefox is permitted to access the Web.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1066 Wellington Way, Lexington, KY 40513
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Greater Lexington Insurance Agency serves families and individuals in the Lexington metro. It strives to provide comprehensive homeowners' insurance plans to protect policyholders' investment properties and personal belongings like clothes, furniture, and appliances. The company also helps clients acquire personal liability and additional living expense coverages. Its team works with multiple insurance carriers to create personalized policies. Greater Lexington Insurance Agency has been in business since 1983. Its president, David Thornton, is a Certified Insurance Counselor.

License Verified:

License: 625828

Kentucky Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
5.0 / 5 (57)
Facebook
4.8 / 5 (31)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • Do homeowners' insurance policies protect against damage due to sewage backup in Lexington?

    Homeowners' insurance policies in Lexington do not cover sewer lines, so those who experience sewage backups will have to pay for pipeline replacement or repair out of pocket. However, sewer damage caused by uncontrollable events such as volcanic eruptions, explosions, lightning, and civil disturbances is covered by homeowners' insurance. Policyholders in Lexington, on the other hand, are advised to add water backup coverage to their existing homeowners' policy, which costs less than $25 monthly.

  • How to save money on homeowners' insurance policies in Lexington?

    Individuals in Lexington can obtain discounts on their homeowners' insurance policies if they purchased a home within the last year and live in a gated community protected by residence cards or security guards. Residents who have smart home technology and protected equipment, such as fire alarms and smoke detectors, can pay less for their plan. Policyholders in Lexington who renovate their property, such as installing an HVAC system or upgrading bathrooms and kitchens, may also be eligible for a discount on homeowners' insurance plans.

  • How does actual cash value work for personal property coverage in Lexington?

    Actual cash value (ACV) is a type of settlement under personal property coverage that provides replacement costs for stolen or damaged personal items or property in Lexington at the time of the loss. ACV compensates policyholders for the current value of their belongings, less depreciation such as wear and tear and age. To determine the ACV, the insurance company in Lexington will deduct the cost of the property based on the decrease in value from the fee for property replacement.

  • What are the permitted reasons for canceling a homeowners' insurance plan in Lexington?

    According to the Kentucky Department of Insurance, forcing the cancellation of a homeowners' insurance plan in Lexington is only permitted if it is the result of the policyholder's discovery of fraud, the insurer is unable to support the risk, and the insured property violates a health or construction ordinance. Cancelling a homeowners' insurance policy is also permitted if the Lexington Commissioner determines that continuing the policy would put the insurer in violation of Kentucky insurance law.

  • Are musical instruments protected under the homeowners' insurance policy in Lexington?

    A homeowners' insurance policy in Lexington covers musical instruments, including sheet music and accessories, as personal belongings. Musical instrument coverage, on the other hand, is limited to $2,500 or 75% of the dwelling coverage amount, and does not finance the items if they are damaged or destroyed by accident. Most Lexington insurers advised policyholders to look into a scheduled personal property endorsement or a stand-alone musical instrument insurance policy that will cover the instrument at replacement value.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

Related Articles

FeaturedState Farm home insurance reviews

State Farm Home Insurance Review 2023

Expertise ranks State Farm as the fifth-best homeowners insurance based on its affordable coverage and customizable policies....

FeaturedHomeowners insurance featured image

7 Best Homeowners Insurance Companies of 2024

Expertise analyzed the top home insurance providers in the country and found that Amica is the best insurer overall.