Home insurance in Lexington, KY

Shopping for home insurance in Lexington, KY? Asshield™ is an independent agency on Executive Drive (Ste 103), and our licensed Kentucky agents compare homeowners insurance from several carriers instead of offering a single company's policy. You'll see how each option handles the things that actually matter in Fayette County: hail, wind, water backup, older homes, and replacement cost.

Lexington office: 2240 Executive Dr, Ste 103, Lexington, KY 40505 · (859) 368-0162 · text us · start an online quote

Homeowners insurance carriers we compare in Lexington

For Kentucky home insurance, the carriers we compare are Liberty Mutual, Grange, Progressive, Travelers, and Openly. Other carriers Asshield works with include Homeowners of America for home, condo, and renters, Foremost for specialty and mobile homes, and Branch for personal lines. State availability varies, so we confirm which ones can quote your address. Not every carrier writes every Lexington ZIP or every type of home, and appetite can change after a heavy storm season. We'll tell you which ones can actually quote your address.

• Owner-occupied homes (HO-3 and broader HO-5 forms where available)
• Condos and townhomes (HO-6 unit-owner policies)
• Older and historic homes
• Rental houses and duplexes. See landlord insurance
• Renters. See renters insurance

Hail, wind, and tornado deductibles

Spring storms across Central Kentucky bring hail and straight-line winds, and roof claims are some of the most common homeowners claims in the Bluegrass. Many policies now use a separate wind/hail deductible, sometimes written as a percentage of your dwelling limit instead of a flat dollar amount. Two quotes that look similar can behave very differently after a hailstorm, so we compare the deductible structure as well as the premium.

Roof age and material matter too. Some carriers settle older roofs on an actual-cash-value basis or limit cosmetic hail damage to metal roofs. Ask us to point out those terms on each quote.

Replacement cost vs. actual cash value

Replacement cost aims to pay what it takes to rebuild or replace with similar materials today. Actual cash value subtracts depreciation. The dwelling limit should reflect what it would cost to rebuild your Lexington home, not its sale price or tax assessment. Construction costs can run well above what people expect, especially for plaster walls, hardwood, and detailed trim.

Older Lexington neighborhoods vs. newer builds

Chevy Chase, Ashland Park, Bell Court, and other older areas

Many homes near downtown and along Richmond Road date from the early and mid-1900s. Carriers will ask about the age of the roof, electrical (knob-and-tube or older panels), plumbing, and heating. Updates help, so keep the dates and receipts. Some homes in historic districts may need materials or methods that cost more to replace, and that's worth discussing when you set the dwelling limit.

Hamburg, Masterson Station, Beaumont, and newer subdivisions

Newer construction often answers the age questions easily. The main questions shift to HOA requirements, finished basements, and sump pumps. If you have a finished basement, water backup is the coverage to look at first.

Water backup, flood, and Lexington's creeks

A standard homeowners policy generally does not cover water that backs up through a sewer or drain unless you add a water backup endorsement, and it does not cover flood. Parts of Fayette County along creeks such as Town Branch, Wolf Run, Cane Run, and South Elkhorn have mapped flood zones, and heavy rain can flood streets well outside those maps. We can check your FEMA flood zone and quote a separate policy on our flood insurance page.

Limestone, sinkholes, and earth movement

The Inner Bluegrass sits on limestone, and sinkholes and ground settling do occur around Lexington. Standard homeowners forms commonly exclude earth movement. If that's a concern for your property, ask whether an earth movement or sinkhole endorsement is available from a given carrier and what it does and doesn't include.

Bundling home and car insurance in Lexington

Putting home and auto with the same carrier can make sense, with one renewal date, one app, and sometimes a multi-policy discount. But the best home carrier for your house isn't always the best auto carrier for your drivers. We'll quote both ways, bundled and separate, so you can see the difference. For the auto side, see car insurance in Lexington, KY.

What to have ready for a Lexington home insurance quote

• Address, year built, square footage, and construction type
• Roof year and material, plus the years of any electrical, plumbing, or HVAC updates
• Your current declarations page, if you have one
• Mortgage company details, if you have a loan
• Any claims in the last five years

More: Home insurance in Kentucky & Florida · First-time homebuyer guide · Umbrella · Lexington office · Georgetown · Nicholasville · Winchester

Questions we hear

What is the best homeowners insurance in Lexington, KY?

It depends on the house. Roof age, construction, claims history, and how you want hail and wind handled all change which carrier fits. Comparing several carriers side by side is the most reliable way to find the best fit for your home.

Does homeowners insurance in Kentucky cover hail?

Hail is generally a covered peril on standard homeowners forms, but many policies use a separate wind/hail deductible and some limit cosmetic or older-roof damage. Read the deductible and roof terms on each quote.

Does home insurance cover a flooded basement?

It depends on the cause. Flood from surface water isn't covered by homeowners insurance; it needs a separate flood policy. Water that backs up through a drain or sump usually requires a water backup endorsement.

Can I insure an older or historic home in Lexington?

Yes. Many carriers write older homes, especially when the roof, electrical, plumbing, and heating have been updated. Bring the update years and we'll match you with carriers that are comfortable with older construction.

Do you write condos and rentals too?

Yes. We place HO-6 condo policies, landlord (dwelling fire) policies for rentals, and renters insurance for tenants.

Educational only — not a quote, not legal advice, and not a coverage guarantee. Coverage, eligibility, and pricing are set by each carrier and vary by ZIP, property or driver details, and underwriting. Talk with a licensed Asshield™ agent about what fits your situation.