Home Insurance
Protecting Homes, Condos, Rentals & More in Lexington, KY
Your home is one of your biggest investments—protect it with a comprehensive home insurance policy that gives you peace of mind. Whether you own a house, condo, townhome, apartment, or rental, we offer flexible coverage options that fit your needs.

At our company, we help homeowners across Lexington, KY, and surrounding areas find reliable, affordable home insurance. From unexpected disasters to liability protection, we ensure your home and everything inside it is covered.
What Does Home Insurance Cover?
Home insurance is designed to protect your home, belongings, and finances from unexpected damage, theft, or liability claims. While every policy is different, standard coverage typically includes:
Dwelling Coverage
Pays for repairs or rebuilding if your home is damaged by covered events like fire, wind, or hail.
Personal Property Coverage
Protects your belongings, including furniture, electronics, and clothing, against theft or damage.
Liability Protection
Covers legal fees and medical expenses if someone is injured on your property.
Additional Living Expenses (ALE)
Helps pay for temporary housing if your home is unlivable due to a covered loss.
Types of Home Insurance We Offer
Homeowners Insurance
Protects your house, personal property, and liability from damage, theft, or lawsuits. Essential for homeowners looking to secure their investment.
Condo Insurance
Covers your unit’s interior, personal belongings, and liability, filling in the gaps where your condo association’s policy stops.
Townhome Insurance
Coverage depends on your homeowner’s association policy—whether you need full home protection or condo-style coverage, we’ll find the right fit.
Renters Insurance
Affordable protection for personal belongings and liability in case of fire, theft, or accidents in your rental home, apartment, or townhome.
Flood Insurance
Home insurance doesn’t cover floods. We can help you add a separate policy if your home’s at risk.
Common Questions
How does home insurance work?
Home insurance protects your home and belongings against damage, theft, and liability claims. When you purchase a policy, your insurer assesses your home’s value, location, and risk factors to determine coverage and rates. If you experience a covered loss, such as a fire, storm damage, or theft, you can file a claim. Your insurance company will evaluate the damage and either pay for repairs or compensate you based on your policy limits. Keep in mind that standard home insurance does not cover flood damage, so a separate flood insurance policy may be necessary if you live in a high-risk area.
What does home insurance cover in Kentucky?
A standard homeowners insurance policy includes:
- Dwelling coverage – Pays for repairs or rebuilding after damage from fire, wind, hail, or vandalism.
- Personal property coverage – Protects your belongings, including furniture, electronics, and clothing.
- Liability protection – Covers legal fees and medical costs if someone is injured on your property.
- Additional living expenses (ALE) – Helps with temporary housing if your home is uninhabitable due to a covered loss.
Coverage varies by policy, so we help you customize a plan that fits your needs.
Do I need home insurance in Lexington, KY?
While home insurance is not legally required in Kentucky, most mortgage lenders require it as a condition of your loan. Even if your home is fully paid off, having insurance protects your investment and safeguards your finances from unexpected losses.
How much home insurance coverage do I need?
The amount of coverage depends on factors like your home’s value, belongings, and risk exposure. A good rule of thumb is to have enough dwelling coverage to rebuild your home completely if it’s destroyed. You should also ensure your personal property and liability limits are high enough to protect against potential losses and legal claims. We can help assess your needs and find the right level of protection.
Does home insurance cover condos and townhomes?
Yes! If you own a condo or townhome, your homeowners association (HOA) may cover certain structural elements, but you’ll likely need a separate policy for your unit’s interior, personal belongings, and liability. We’ll help you find the right condo or townhome insurance policy that complements your HOA’s coverage.
What does renters insurance cover?
If you rent an apartment, townhome, or house, your landlord’s insurance only covers the building, not your belongings. Renters insurance protects your personal property, liability, and additional living expenses if a covered event (like fire or theft) damages your rental. Policies are affordable and highly recommended for renters.
Does home insurance cover flood damage?
No, standard home insurance does not cover flooding. If you live in a flood-prone area or near water, you may need a separate flood insurance policy. We can help you find the right flood coverage to ensure you’re protected.
Can I bundle home and auto insurance for a discount?
Yes! Bundling home and auto insurance is one of the easiest ways to save money on both policies. Many insurers offer significant discounts when you combine multiple policies under one provider. Ask us about available bundle discounts to maximize your savings.
