Fayette County Insurance Rates:

Fayette County, KY homeowners insurance is roughly $670 to $908, about $55-$75/month. Our comprehensive analysis indicates shoppers can save upto $315 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

The company's website is very detailed and is very easy to understand. There is an option for online help if it is needed. The site is very user-friendly and catches the eye easily. There are very rarely any errors when using, browsing, etc. The colors are pleasing to the eye.
State Farm
I like the company itself: its reputation, its coverage, its prices, and its fast and friendly customer service.
Kentucky Farm Bureau
The customer service could be better. Whether you're a full coverage or minimum coverage customer, I think the company should help and respect you for paying your bills on time. I don't feel terribly reassured by the customer service experience I had once.
Farmer's Insurance
Agents performance; he always seems to be behind the curve when it comes to remaining competitive, and he and his staff always seem to have an excuse or no interest in explaining why premiums/ discounts related to the Home coverage (auto) seem to rise continually, despite bundled discounts, etc..
State Farm
I would definitely recommend State Farm. I have had insurance with them for many years and have had nothing but positive experiences.
Kentucky Farm Bureau
The only thing I dislike is the general manager that works in my direct area. Luckily they are happy to transfer me to someone else or send another person when requested.
Kentucky Farm Bureau
The only thing I dislike is the general manager that works in my direct area. Luckily they are happy to transfer me to someone else or send another person when requested.
Kentucky Farm Bureau
The company is local, our agent has been amazing, however, the overall company as a whole has not been completely amazing
Farmer's Insurance
The farmers insurance is too cheap on your first time buying and is a lower price than others, just i selected before.
State Farm
The state farm's insurance prices are absolutely high.each time, they continue to raise the price customers are becoming more aggressive.
We only had about 2 or 3 claims in all these years, but they were solved very quickly without any complaints.
Farmer's Insurance
I know for a fact that I pay more than I should for my insurance. I compare myself to others all the time, however, I have a relationship with my agent in that he holds all of my policies so changing it would be weird.
Liberty Mutual
I don't like that some of the policy documents are difficult to understand because there is so much wording in them. I would hope the language could be put in everyday language for me to understand better.
I don't really have anything bad to say about progressive but maybe they can lower the price for their longer customers.
Kentucky Farm Bureau
Premium has gone up 4 times in 10 years, have not filed a claim. I think it should go down with no claims, or should refund a portion of year paid.
State Farm
I had an issue where I called customer service and they took several days to get back to me about my issue. But once they did, they took care of it right away.

Fayette County, KY Homeowners Insurance By Home Value

Fayette County, KY Home Value Total Homes % of Total Average Fayette County, KY Homeowners Insurance
Less than $50,000 2,500 3.0% $118
$60,000 to $69,999 1,073 1.0% $307
$70,000 to $79,999 1,351 2.0% $362
$80,000 to $89,999 2,030 3.0% $410
$90,000 to $99,999 2,598 4.0% $457
$100,000 to $124,999 8,840 13.0% $528
$125,000 to $149,999 11,271 17.0% $662
$150,000 to $174,999 8,559 13.0% $781
$175,000 to $199,999 5,465 8.0% $907
$200,000 to $249,999 7,586 11.0% $1088
$250,000 to $299,999 5,346 8.0% $1333
$300,000 to $399,999 6,340 9.0% $1688

Top Home Insurance Agents Near Fayette County, KY

Home Insurance Company Near Fayette County, KY Homeowners Insurance Agency Near Fayette County, KY Address
Allstate Alton Lee Hare Jr 1716 Sharkey Way Ste 100, Lexington, KY, 40511
Travelers Bowling Insurance Agency PO BOX 216, OWENTON, KY, 40359
State Farm Brenda Harris 114 Thompson St, Frankfort, KY, 40601-3206
State Farm Jim O'Donoghue 1727 Midland Trail, Shelbyville, KY, 40065-1711
State Farm Stewart Perry 2128 Nicholasville Road, Lexington, KY, 40503

Cost Of Homeowners Insurance By Street Near Fayette County, KY

Streets in Fayette County Area Homeowners Insurance Cost
Saddlebred Ct, Chadwick Dr, Impala Ln, Brigadoon Pkwy, Castlegate Wynd, Nandino Blvd, Lily Dr, Hidden Pond Rd, Frederick St, Stanton Way$854
Lynn Rd, Grot Dr, Fawn Cir, Chas Cir, Bristol Rd, Cranberry St, Driftwood Pl, E Bell Ct, Chestnut Ridge Dr, Pittman Creek Ct$726
Liberty Rd, Golden Trophy Trl, Watertrace Dr, Chyleen Ct, Fairdale Dr, Drayton Pl, Ashland Ter, Co Rd 1267, Martin Luther King Blvd, Mark Ave$736
W Lowry Ln, Octavian Way, Star Gaze Dr, Faulkirk Ln, Mc Connells Trace Blvd, Balmoral Ct, Raven Creek Ct, Eastbrook Ct, Strawberry Ct, McKinley St$763
Jennifer Rd, Ballard St, Adams Rd, Breckenridge St, Astaire Dr, Maxima, Ami Ln, Robin Spring Ct, Lindberg Dr, Middlesex Ct$728
Branchwood Pl, Somersly Cv, Co Rd 1973, Hunters Rest Ct, Jacquelyn Ln, Allegheny Way, N Broadway Park, Palomar Trace Dr, Viley Rd, Manassas Dr$883
Waterstone Ln, Drew Ln, Chesapeake Ct, The Oaks, Palmyra Ave, Glass Aly, Keller Ct, Boardwalk, Woodlark Ave, 3rd Ave$719
Mariposa Ct, Heritage Pl, Canterbury Green Way, Atoma Dr, Alexandria Ct, Bryanwood Pkwy, Drexel Pass, Featherston Ct, Sierra Dr, Liberty Ridge Ln$766
Sandwood Pl, Baird Ct, Healy Ln, River Park Dr, Movado Ct, Overland Ct, Oak Hill Dr, Palmer Ct, Easthills Dr, Mapleleaf Dr$781
Polk Ln, Wedgewood Rd, Millcreek Ct, Tatton Park, Paul Ave, Shagbark Ln, Elverton Rd, Seeger Ln, Lockhurst Rd, Baltusrol Ln$720

Fayette County, KY Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Fayette County$118 to $120
Lexington-Fayette urban county$118
Lexington-Fayette Central$117
Lexington-Fayette Northwest$116

Fayette County, KY Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Lexington-Fayette urban county, Kentucky $99 $131 $197
Lexington-Fayette Central CCD, Fayette County, Kentucky $98 $131 $196
Lexington-Fayette Northeast CCD, Fayette County, Kentucky $99 $132 $198

Fayette County, KY Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Fayette County, KY5.1%16.6%
Lexington-Fayette urban county5.07%16.56%
Lexington-Fayette Central5.41%16.52%
Lexington-Fayette Northeast4.74%17.05%

Fayette County Renters Insurance as a Percentage of Rent

Fayette County Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 1,155 2.0% $333
$200 to $299 1,633 3.0% $783
$300 to $499 5,745 11.0% $1233
$500 to $749 18,240 35.0% $1908
$750 to $999 13,101 25.0% $2658
$1,000 to $1,499 8,314 16.0% $3783
$1,500 or more 3,023 5.0% $5433

Average Cost Of Home Insurance By Company In Areas Nearby Fayette County For Different Scenarios

Home value ($) Construction type Age of home Company premium ($)
250,000 Masonry 9 years First Liberty Insurance Corporation (The) 1,356
125,000 Frame 29 years Shelter Mutual Insurance Company 1,010
250,000 Masonry 9 years Aioi Nissay Dowa Insurance Company Of America 559
125,000 Frame 29 years Auto Club Property-Casualty Insurance Company 684
150,000 Brick Veneer 19 years Hartford Insurance Company Of The Midwest 1,485
150,000 Brick Veneer 19 years Hartford Underwriters Insurance Company 615
125,000 Frame 29 years Kentucky National Insurance Company 377
250,000 Masonry 9 years Trumbull Insurance Company 907
150,000 Brick Veneer 19 years West American Insurance Company 850
125,000 Frame 29 years Westfield National Insurance Company 387