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Quick Home Quote

Compare homeowner rates & lock in savings.

Lexington Office

Office Location

828 Allen Road, Ste 219
Lexington, KY 40504 (Fayette County)

Direct Phone

(763) 766-7744

Email Inquiries

info@updateyourquotes.com

Home Insurance Quotes Lexington KY
Flagship Coverage

Complete Homeowners Insurance & Property Protection

Your home is your sanctuary and your greatest financial investment. At Update Your Quotes, we match homeowners across Lexington, Fayette County, and nationwide with top-tier insurance policies that shield against storms, fires, liability claims, and unforeseen structural damage.

Comprehensive Homeowners Protection Pillars

Our policies ensure you are protected from the roof down to the foundation with true replacement cost coverage:

Coverage A - Dwelling: Pays to repair or rebuild your home after damage from fire, hail, lightning, or severe weather.
Coverage B - Other Structures: Covers detached garages, sheds, gazebos, fences, and swimming pools.
Coverage C - Personal Property: Replaces furniture, electronics, clothing, and appliances if stolen or damaged.
Coverage D - Loss of Use: Covers hotel stays, meals, and temporary living costs if your home is uninhabitable during repairs.
Coverage E - Personal Liability: Protects your assets if someone is injured on your property and sues.
Coverage F - Medical Payments: Covers medical bills for guests who sustain accidental injuries at your residence.

Kentucky Weather & Endorsement Highlights

Living in Kentucky brings unique weather patterns including spring thunderstorms, severe wind, hail, and winter freezing. We ensure your policy includes vital endorsements:

Water Backup & Sump Pump

Standard policies exclude sewer/drain backup. We add this vital endorsement to protect finished basements and sump systems.

Windstorm & Hail Deductibles

We help you choose clear, affordable flat deductibles rather than high percentage deductibles on roof hail claims.

Bundle Home & Auto for Up to 25% Off

The single fastest way to lower your insurance cost is bundling your homeowners and auto insurance under one carrier. Our Lexington agents handle the entire transition seamlessly.

Single consolidated deductible option
New home & renovation discounts
Central security alarm credits
Claims-free renewal bonuses
Get Bundle Quote (763) 766-7744

Homeowners Insurance FAQ

Rates are based on replacement cost to rebuild, roof age and materials, proximity to the nearest Lexington fire station/hydrant, your claims history, security systems, and chosen deductibles.

Switching is effortless! We notify your mortgage lender and provide them with the new policy binder and billing schedule. Your lender will pay the new premium from your escrow, and any refund check from your old policy is mailed directly to you.

Protect Your Home For Less

Speak directly with a licensed insurance advisor at our Lexington KY office.

Request Free Quote (763) 766-7744