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Fayette County, KY Homeowners Insurance Quotes

Trying to find afforable homeowners insurance coverage in Fayette County can be difficult with so many options available locally and online. Plus, everywhere you turn it seems like rates are on the increase. For most of us, getting the right coverage means speaking with a home insurance professional that can help you find the right coverage at the price you can afford. Shopping online for cheaper Fayette County home insurance rates with GetHomeInsuranceQuotes.com allows you to get top quality service from the most competitive home insurance companies available in the state of Kentucky. It's important for you to know the coverage options available for your home within Fayette County, that's why our experience staff of over 20+ years can answer any questions that you may have about your current and new home insurance policy needs. And most of all, we provide ways to help you apply additional discounts to lower your premium while still getting a complete coverage package. Start your online home insurance quote today!

For Fayette County, KY homeowners, it's important to know that the average home insurance policy in Kentucky is estimated to be around $97.83 per month. That amounts to $1174 per year for a standard (HO-3) homeowners insurance policy for residents living in Fayette County. In comparison, the United States national average for homeowners insurance premiums is around 1,249 per year. Kentucky is now ranked 28 in the country in terms of highest home insurance rates. You can easily get up to 12 free home insurance quotes for your home in Fayette County, KY along with great consulting services so we can help you review which coverage policy is best for your needs. Most homeowners in your area need additional coverages based on certain preferences like a umbrella policy, extra wind and hail coverage, multiple auto insurance policies, wedding ring coverage or boat coverages. A simple HO-3 home insurance policy doesn't cover everything, that is why we can help you fine tune your Fayette County home insurance coverage to make sure you are covered when you need it the most.

For all Fayette County, KY residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.


Are you looking for a homeowners insurance quote in Fayette County? Simply enter your zip code to get your Kentucky homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Fayette County, KY Housing Demographics

With 295,803 residents living within the Fayette County area there are over 135,160 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 69,661 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Fayette County.

DemographicValues
Total Occupied Households123,043
Family Households (families)69,661
Average Owner Occupied Household Size2
Average Family Size3
Total Housing Units135,160

Fayette County, KY Home Insurance Average Premiums

Local Fayette, KY homeowners insurance quotes comparison

$886 /yr.

Kentucky's Average Home Insurance Rates Overall

For the state of Kentucky, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 28 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$578 /yr.
Current Average Cost:$886 /yr.
Maximum Range:$1174 /yr.

Kentucky Homeowners Insurance News & Information

  • Florida Homeowners Are Concerned About Property Insurance Crisis Posted on Tuesday 1st July, 2025

    Insurance rates are rising at unprecedented rates, causing millions of people to struggle with the new premiums.  In the last three years, insurance rates have doubled in some areas. Homeowners fear for their houses while their representatives in Congress struggle to help.  Insurers are pulling out of states like Florida as damaging hurricanes and powerful […]

  • Upgrading Your Home Against Disasters Can Help Save You Money On Your Insurance Posted on Thursday 26th June, 2025

    Ron Watson’s roof on his Alabama home looks the same as all his neighbors’ roofs. Yet his is saving him money every year.  With the help of nails specifically designed to stay in place during high winds, along with other construction elements, Watson’s roof is less likely to be damaged in natural disasters, like hurricane […]

  • Should I consider climate changes when buying a new home? Posted on Saturday 21st June, 2025

    Climate change is on our doorstep, so now more than ever, it’s essential to consider the local climate when buying a new home. Not only is the current climate important, but experts suggest homeowners look towards the future. How will the next 10, 20 or 30 years impact your new purchase?  The increasing frequency of […]

  • Florida home insurance and hurricanes How to Prepare Before Hurricanes Threaten Florida Posted on Monday 19th May, 2025

    Hurricane season is quickly approaching and one of the most important things to do before a storm hits is to make sure your insurance coverage is up to date and your coverage levels are sufficient in the event your home is damaged by severe weather. Regardless of whether you own a home or are renting, […]

  • New Home Insurance Company Launches in Florida, Shows Signs of Improvement Posted on Tuesday 13th May, 2025

    According to Office of Insurance Regulation and leaders in the industry, Florida may finally be emerging from the insurance crisis that it has suffered through for the last decade. Insurance companies operating in the state are starting to stabilize rates and new insurance companies are entering the Florida market.  Recently, the Office of Insurance Regulation […]

Discounts For Homeowners in Fayette County

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your Kentucky homeowners insurance.

  • Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Fayette County, this discount can save you up to 20% on your home insurance premium.
  • Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Fayette County that do combine their home and auto can save over $500 with this discount.
  • Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Fayette County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
  • Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
  • Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.

Fayette County Housing & Real Estate Data

Details:Statistics
Total Housing Units135160
Occupied Housing Units123043
Vacant Housing Units12117
Vacant Housing Units for Rent6219
Vacant Housing Units Rented Not Occupied267
Vacant Housing Units For Sale1725
Vacant Housing Units Sold Not Occupied322
Vacant Housing Units For Seasonal Occasional Use1165
Vacant Housing Units All Other Vacants2419
Housing Units Homeowner Vacancy Rate Percent2
Housing Units Rental Vacancy Rate Percent10
Housing Tenure Occupied Units123043
Housing Tenure Occupied Units Owner Occupied68818
Housing Tenure Occupied Units Owner Occupied Population165669
Housing Tenure Occupied Units Owner Occupied Averge Household Size2
Housing Tenure Occupied Units Renter Occupied54225
Housing Tenure Occupied Units Renter Occupied Population117330
Housing Tenure Occupied Units Renter Occupied Average Household Size2