The top-rated landlord insurance agent in Lexington, Kentucky is Debra Hensley - State Farm Insurance Agent, rated 5.0 stars across 575 reviews. Other highly rated options include Carpenter Insurance Group LLC, SeibertKeck Insurance Partners, Energy Insurance Agency. This directory lists 20 landlord insurance agents serving Lexington.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Debra Hensley - State Farm Insurance Agent | 1513 Nicholasville Rd | (859) 276-3244 |
| 2 | Carpenter Insurance Group LLC | 141 Prosperous Pl Suite 26 | (859) 202-3656 |
| 3 | SeibertKeck Insurance Partners | 2011 Rambler Rd #1 | (859) 203-5353 |
| 4 | Energy Insurance Agency | 3008 Atkinson Ave #3 | (859) 273-1549 |
| 5 | Integrity Insurance Group, LLC | 1500 Leestown Rd Ste 228 | (859) 800-4946 |
| 6 | Bray & Oakley Insurance Agency | 3061 Fieldstone Way #300 | (859) 927-3743 |
| 7 | Renee Jackson Insurance Agency | 1795 Alysheba Way Suite 1101 | (859) 317-2217 |
| 8 | Greater Lexington Insurance Agency, Inc. | 1066 Wellington Way | (859) 224-2477 |
| 9 | Signature Insurance Group | 525 Darby Creek Rd Suite 29 | (859) 407-4888 |
| 10 | Sullivan Insurance Agency | 635 N Broadway | (859) 233-1637 |
Debra Hensley - State Farm Insurance Agent serves the Lexington, Kentucky metro area, specializing in landlord insurance policies for residential and commercial property owners. The agency helps local landlords protect rental properties against common risks like fire damage, theft, and liability claims. Policies are tailored to cover the building structure and any liability exposures associated with leasing property to tenants. The business handles loss-of-rent coverage and offers personal umbrella liability insurance for additional protection.
Carpenter Insurance Group LLC serves landlords, property managers, and real estate investors with coverage for rental properties in Lexington, KY. The company helps these clients protect their income streams by securing policies that address property damage, liability, and lost rent. Tailored plans are offered for single-family homes, duplexes, and small apartment buildings. Its work regularly involves navigating local insurance requirements unique to Kentucky rental markets. This agency also serves property owners in the neighboring community of Nicholasville.
SeibertKeck Insurance Partners offers a comprehensive range of landlord insurance services tailored for property owners in Lexington, Kentucky. The agency provides customized coverage plans and assists clients with ongoing policy maintenance to ensure adequate protection for their rental investments. Their service approach includes evaluating individual property risks to secure appropriate liability and property insurance. SeibertKeck Insurance Partners builds its work around serving a diverse set of rental properties, from single-family homes and apartment complexes to retail spaces and restaurants throughout the local area.
Energy Insurance Agency serves Lexington, Kentucky, and the surrounding communities. It handles a full range of landlord insurance policies designed for property owners in the area. This includes coverage for residential rental units and commercial properties. The agency works with local landlords to assess their specific needs and property risks. Its general approach to a typical job involves reviewing the client's property portfolio and recommending a tailored policy that provides appropriate coverage for potential damages and liability.
Integrity Insurance Group, LLC in Lexington, KY distinguishes between one-time landlord policies and recurring annual coverage to align with different property management needs. Their landlord insurance agent services provide protection for rental properties, including structures and liability, tailored to local regulations and market conditions. They help landlords navigate coverage options to safeguard income properties. Service runs on a one-time, scheduled, or as-needed basis to accommodate varying portfolios.
Bray & Oakley Insurance Agency offers specialized landlord insurance policies designed to protect rental property investments in the Lexington area. The agency’s general service work includes helping property owners secure comprehensive building and liability coverage suitable for single-family homes and small multifamily dwellings. A local agent understands the changing risks associated with Bluegrass region weather, such as hailstorms damaging roofs between tenant turnovers, and can adjust a policy to address that specific seasonal concern.
After heavy spring storms sweep through Fayette County, property owners in the area often face sudden roof and gutter damage. Renee Jackson Insurance Agency in Lexington, KY, helps landlords navigate claims and coverage adjustments for such rental-property losses. They specialize in policies that protect residential and commercial lease investments from common local weather-related damage and tenant liability. The initial process typically begins with a thorough inspection of the rental property’s condition.
Greater Lexington Insurance Agency, Inc. specializes in insurance policies designed for property owners who rent out residential or commercial spaces. Their services include coverage options that can protect against property damage, liability claims, and potential loss of rental income. They also offer additional endorsements tailored to specific landlord risks in the Lexington, KY area, ensuring adequate protection for diverse rental properties. The agency serves commercial sectors such as office buildings, warehouses, and food service establishments.
Signature Insurance Group, located in Lexington, Kentucky, is known for providing specialized landlord insurance agent services to property owners in the region. The company offers coverage tailored to protect rental properties, including liability and property damage policies. This agency assists local landlords in managing the financial risks of leasing residential or commercial spaces to tenants. Additionally, it can provide an add-on service for loss of rental income protection to help property owners maintain cash flow during property repairs between tenancies.
Sullivan Insurance Agency provides residential landlord insurance services in Lexington, Kentucky. Their policy offerings also extend to commercial rental properties, serving property owners throughout the broader Lexington area. Each insurance plan is tailored to address the unique liability and property risks associated with leasing dwellings or commercial spaces. After securing initial coverage, the agency assists with annual policy reviews and any mid-term adjustments needed between regular renewal visits. They handle follow-up claims support and routine account updates as rental circumstances change over time.
What Does a a Landlord Insurance Agent in Lexington Cost?
Landlord insurance in Kentucky typically costs 15 to 25 percent more than standard homeowners insurance. For a single-family rental in Lexington premiums often range from 800 to 1500 dollars per year. Factors affecting cost include property age, location, coverage limits, and deductible amount. Policies for multi-unit properties or those with higher liability limits will cost more. This is general information and not insurance advice.
About landlord insurance agents in Lexington
Landlord insurance agents in Lexington Kentucky help property owners protect their rental investments. These agents can explain coverage for dwelling damage, liability protection, and loss of rental income. Kentucky law does not require landlord insurance but many mortgage lenders do require it for rental properties.
Frequently Asked Questions
What does landlord insurance cover in Lexington Kentucky?
Landlord insurance typically covers the dwelling structure, other structures on the property, liability for injuries, and loss of rental income. It does not cover tenant personal property or intentional damage. Agents can help customize a policy for your specific rental property.
Is landlord insurance required by Kentucky law?
Kentucky law does not require landlord insurance. However most mortgage lenders require a landlord policy for financed rental properties. Some Lexington homeowners associations may also require proof of liability coverage for rental units.
How do I choose a landlord insurance agent in Lexington?
Look for an agent who specializes in rental property coverage and understands Kentucky insurance regulations. Ask about coverage for older homes common in Lexington neighborhoods. Compare quotes from multiple agents to find a policy that fits your property needs.
Landlord Insurance Agents in Other Kentucky Cities
Bowling Green · Elizabethtown · Florence · Frankfort · Georgetown · Henderson · Hopkinsville · La Grange · Louisville · Nicholasville · Owensboro · Paducah · Richmond