Independent Insurance Agency Serving Lexington, KY

Kentucky is one of a few choice no-fault states. When you purchase auto insurance in Kentucky, you choose between the no-fault option (where your own PIP coverage pays for your injuries regardless of who caused the accident) or the tort option (where you retain the right to sue the at-fault driver for damages beyond your PIP). The tort option typically costs more but gives you greater legal recourse after a serious accident. We explain both options during every auto quote for Lexington drivers.

Lexington homeowners insurance costs vary by home age, construction type, roof condition, coverage limits, and carrier. Kentucky's statewide exposure to severe thunderstorms, hail, and winter ice storms can affect rates for some properties in Fayette County. As an independent broker we compare 30 plus carriers to find the most competitive rate for your specific property and location in the Lexington area.

Lexington and the rest of Kentucky do not face a single standout catastrophic peril the way some coastal or river cities do. Instead, the main statewide risk factors are severe thunderstorms, hail, damaging straight-line wind, and winter ice storms, all of which are leading causes of home and auto insurance claims across Kentucky each year. Standard homeowners and auto policies generally cover wind and hail damage, but coverage limits, deductibles, and roof-age provisions vary by carrier. We review your policy's storm and hail coverage during every home and auto quote for Lexington clients.

Most Lexington small businesses need at minimum a General Liability policy. Many benefit from a Business Owner's Policy (BOP), which bundles general liability and commercial property at a lower combined cost. Kentucky requires workers compensation for most employers with one or more employees under KRS 342.630. Service businesses should also consider Professional Liability. We identify the right combination for your industry and business size.

Yes. Renters insurance covers your personal belongings against theft, fire, wind and hail damage, and other covered perils, provides liability protection if someone is injured in your rental, and includes loss-of-use coverage if your unit becomes uninhabitable. The building structure is your landlord's responsibility. Coverage cost depends on the limits and deductible you choose, so we compare options across 30 plus carriers to find the right fit for Lexington renters, including those near the University of Kentucky campus.

Kentucky is a choice no-fault state, which is different from a pure no-fault or pure at-fault system. Drivers in Kentucky choose at policy purchase whether to remain under the no-fault system (using PIP for injuries) or to opt out and retain full tort rights. This election is made once and stays in effect for the policy term. We walk every Lexington client through this decision during their auto quote.

Yes. Dragon Insurance is licensed in Kentucky and serves clients throughout the state including Louisville, Bowling Green, Owensboro, Covington, and the broader Lexington metro area. We handle all quotes by phone and online, with no office visit required. Call 717-229-5115 or request a quote online to get started.