Find the Best Home Insurance Providers in Lexington, TN 38351

Searching for home insurance in Lexington, TN? This local directory is designed to help homeowners, renters, and landlords connect with nearby home insurance agents and companies offering competitive coverage options. Whether you’re a first-time homeowner, protecting a vacation home, or renewing your existing policy, this page connects you with a range of service providers in your area.


Home Insurance Options in Lexington, TN

Protecting your home in {City} starts with choosing the right insurance provider. Based on coverage options, affordability, and customer satisfaction, these top-rated home insurance companies offer trusted protection for homeowners in {City}.

Parsons Mortuary

433 Twin Oaks Road, Lexington, TN
Other Services (except Public Administration)

Napa Auto Parts

28 West Church St, Lexington, TN
Retail Trade

Elk Valley Health Service

, Lexington, TN
Health Care and Social Assistance

Eastern Shores Homeowners Association Inc

517 Lakeshore Drive, Lexington, TN
Other Services (except Public Administration)

Carnal Roberts Agency

31 Natchez Trace Drive South, Lexington, TN
Finance and Insurance

Henderson County Farm Bureau

82 South Broad St, Lexington, TN
Finance and Insurance

Modern Woodmen of America

580 Meadowbrook Circle, Lexington, TN
Finance and Insurance

Clayton Homes

827 West Church St, Lexington, TN
Retail Trade

Carnal Roberts Agency Inc

, Lexington, TN
Finance and Insurance

Mercer Brother Funeral Home

85 Barnhill St, Lexington, TN
Other Services (except Public Administration)

Wood Cole

31 Natchez Trace Drive South, Lexington, TN
Finance and Insurance

Bates Jason A

16520 Highway 104 North, Lexington, TN
Finance and Insurance

Caldwell Leigh Ann

31 Natchez Trace Drive South, Lexington, TN
Finance and Insurance

Nick K Hart-Allstate Agent

75 West Church St, Lexington, TN
Finance and Insurance

F C Of Tennessee Inc

421 West Church St, Lexington, TN
Health Care and Social Assistance

Felicia Potts Insurance

590 W Church Street # C, Lexington, TN

Advanced Insurance

75 West Church St, Lexington, TN
Finance and Insurance

Lexington Insurance Center Inc

1017 East Church St, Lexington, TN
Finance and Insurance

Bray's Mobile Home Service

10420 Highway 412 West, Lexington, TN
Retail Trade

Henderson Cnty Conservation

90 Rush St, Lexington, TN
Public Administration

Salmon And Johnson Agency

23 North Main St # A, Lexington, TN
Finance and Insurance

Railway Claim Service Inc

52 South Main St, Lexington, TN
Finance and Insurance

Fleming Christopher

610 West Church St, Lexington, TN
Finance and Insurance

Salmon Johnson & Gaddie Ins

23 North Main St # A, Lexington, TN
Finance and Insurance

State Farm Insurance

16520 Highway 104 North, Lexington, TN
Finance and Insurance


Home Insurance Options in Lexington, TN

The providers listed in this directory offer a range of home insurance products, which may include:

  • Standard HO-3 policies (dwelling, liability, and personal property)

  • Condo insurance (HO-6)

  • Renters insurance (HO-4)

  • Landlord or rental property insurance

  • Flood and earthquake coverage (where applicable)

  • High-value home policies

  • Vacant home insurance

  • Umbrella liability protection


Types of Coverage You May Need in Lexington

Basic Homeowners Insurance (HO-3)

This standard policy protects the physical structure of your home, your belongings, and provides liability coverage in case someone is injured on your property.

Common searches:
“Home insurance quotes in Lexington”
“Best homeowners insurance companies near me”


Renters Insurance (HO-4)

If you're renting, renters insurance protects your personal property from fire, theft, or vandalism and may include liability coverage.

Related queries:
“Cheap renters insurance TN”
“Do landlords require renters insurance in Lexington?”


Condo Insurance (HO-6)

Covers the interior of your condo unit, personal property, and liability protection. Often used alongside the condo association’s master policy.

Searched as:
“Condo insurance in 38351”
“HO-6 insurance policy for condos”


Landlord Insurance

Provides coverage for rental properties, including the structure, liability protection, and loss of rental income.

Also searched:
“Rental property insurance Lexington”
“Landlord insurance policies near me”


Additional Coverage Options

  • Flood Insurance (especially if your property is in a FEMA-designated flood zone)

  • Earthquake Insurance (depending on region)

  • Scheduled personal property (for jewelry, collectibles, etc.)

  • Umbrella Liability Policies for broader protection


Popular Home Insurance Searches in Lexington, TN

This page is structured to align with common local user intent, such as:

  • “Compare home insurance quotes 38351”

  • “Best homeowners insurance for new homebuyers”

  • “Cheap home insurance in Lexington”

  • “Do I need flood insurance in TN?”

  • “Top-rated home insurance companies near me”


What Impacts Home Insurance Rates in Lexington?

Home insurance premiums can vary significantly based on:

  • Age, size, and rebuild cost of your home

  • Proximity to fire stations and hydrants

  • Local weather and natural disaster risks

  • Claims history (yours and the home’s)

  • Your credit score (in most states)

  • Bundled policies (home + auto = discount)

  • Deductible amount and coverage limits

Providers listed here may offer free quotes, local risk assessments, and assistance with selecting policy add-ons.


Why Use This Home Insurance Directory for Lexington?

  • Neutral Listings: No promotions or paid placement

  • Search Engine Optimized: Designed to match common queries and ranking signals

  • Local Focus: Specifically for Lexington, 38351, and surrounding areas

  • User Friendly: Contact providers directly—no account required


Frequently Asked Questions (FAQ)

What is the average cost of home insurance in Lexington?

Homeowners insurance costs vary by property size, location, and risk factors. Use this directory to compare providers and request accurate quotes for your specific situation.

Can I bundle my home and auto insurance in TN?

Yes, many providers offer discounts when you bundle multiple policies. It’s one of the most effective ways to lower your total premium.

Do I need flood insurance in Lexington?

It depends on your home’s location. Standard policies don’t cover flood damage. If your home is in a flood zone, you may need a separate NFIP-backed or private flood insurance policy.

Are there home insurance policies for rental properties?

Yes. Landlord or rental dwelling policies cover the structure, liability risks, and may include loss of rental income coverage.

How do I compare home insurance quotes?

Reach out to several local providers listed on this page. Be sure to ask about deductibles, exclusions, replacement value vs. actual cash value, and available discounts.


Start Comparing Home Insurance Providers in Lexington, TN

Whether you're buying a new home or renewing your coverage, use this directory to explore local and national home insurance providers. Many offer free estimates, customizable policy options, and discounts for bundled services. Protect your investment with the right coverage tailored to your needs.