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Renters Insurance Quotes in Nicholasville, Versailles, Georgetown & Richmond, KY: How Do They Compare?

By May 13, 2026July 6th, 2026No Comments

TLDR

  • Renters insurance quotes in Nicholasville, Versailles, Georgetown, and Richmond all sit within $2 to $4 a month of one another for identical coverage

  • Most central Kentucky renters pay $15 to $22 a month ($180 to $264 a year) for $30K personal property and $100K liability with a $500 deductible

  • The city you live in moves the price far less than your building, deductible, liability limit, and bundle status

  • A renters policy paired with auto in any of these cities saves 10 to 15 percent on auto, often more than the renters policy itself costs

  • A landlord-required policy in Nicholasville or Richmond is the most common quote we run, often for someone who’s never had renters before

If you’re shopping renters insurance in Nicholasville, Versailles, Georgetown, or Richmond, the headline number is the same in all four cities: most renters in central Kentucky pay $15 to $22 a month for a policy with $30,000 in personal property coverage and $100,000 in personal liability. The carriers that dominate these markets price on a flat statewide grid, with small ZIP-level adjustments for claim history. The city you choose moves your premium less than the deductible you choose, the liability limit you carry, or whether you bundle. This guide walks through what each city actually quotes at, what the buildings and lease requirements typically demand, and how to make sure you’re not paying retail.

How Renters Insurance Quotes Compare Across Central Kentucky

The four cities most commonly searched for renters quotes around Lexington (Nicholasville, Versailles, Georgetown, and Richmond) all sit inside the same Kentucky rate corridor. Identical coverage on an identical renter usually prices within a $2 to $4 per month band across all four.

CityTypical $30K / $100K QuoteNotesNicholasville, KY$15 to $21 a monthStrong carrier appetite, lots of newer multi-family inventoryVersailles, KY$14 to $20 a monthSmaller market, fewer carrier-specific surchargesGeorgetown, KY$15 to $21 a monthComparable to Nicholasville, growing renter populationRichmond, KY$16 to $22 a monthLarger student-rental population can shift carrier ratesLexington, KY$16 to $22 a monthLargest market, widest carrier appetite, Hamburg ZIPs trend higherWilmore$14 to $20 a monthSmaller market, often best when bundled with auto

If a quote in any of these cities comes in well over $30 a month for a standard $30K / $100K policy, something else is moving the price. A high-value rider, a low deductible, an upgraded liability limit, a building flagged for above-average claims, or a credit-based score the carrier weighted heavily. Worth a 10-minute review before you sign. (For the deeper breakdown of what’s in a Kentucky renters policy and what it costs, see our pillar guide on how much renters insurance costs in Kentucky.)

Renters Insurance Quotes in Nicholasville, KY

Nicholasville has a strong supply of newer multi-family apartments, which generally price favorably with carriers. A clean-record renter, mid-20s to mid-40s, in a standard 1- or 2-bedroom apartment off Lexington Road, North Main, or near Brannon Crossing typically quotes at:

  • $30,000 personal property + $100,000 liability + $500 deductible: $15 to $19 a month

  • $30,000 personal property + $300,000 liability + $500 deductible: $18 to $22 a month

  • $50,000 personal property + $300,000 liability + $500 deductible: $22 to $26 a month

Most Nicholasville landlords now require renters insurance in the lease, with a minimum $100,000 in personal liability and proof of policy before move-in. The agency office at 99 Wind Haven Drive sits inside the same rate corridor, so quotes are usually accurate within a few dollars without an in-person review. A bundle with auto on the same policy typically discounts the auto premium 10 to 15 percent, often making the renters policy effectively free.

Renters Insurance Quotes in Versailles, KY

Versailles is a smaller market than Lexington or Nicholasville, with a quieter claim profile and fewer carrier-specific surcharges. Renters quotes here often come in slightly under the central Kentucky average. A typical Versailles, KY renters quote runs:

  • $30,000 / $100,000 / $500 deductible: $14 to $18 a month

  • $30,000 / $300,000 / $500 deductible: $17 to $21 a month

  • $50,000 / $300,000 / $500 deductible: $21 to $25 a month

Versailles renters with horse-farm-area properties or detached unit setups occasionally need scheduled personal property riders for tack, equipment, or higher-value items. A standard 1- or 2-bedroom apartment renter in Versailles is among the easiest renters quotes to write in Kentucky. Bundling with auto insurance is the single biggest price lever here, just like everywhere else.

Renters Insurance Quotes in Georgetown, KY

Georgetown’s renter market has grown sharply with Toyota’s manufacturing footprint and the steady expansion of multi-family inventory off Cherry Blossom Way and U.S. 25. Renters quotes here track closely to Nicholasville:

  • $30,000 / $100,000 / $500 deductible: $15 to $19 a month

  • $30,000 / $300,000 / $500 deductible: $18 to $22 a month

  • $50,000 / $300,000 / $500 deductible: $22 to $26 a month

Many Georgetown landlords require proof of renters insurance before move-in and specifically ask for the property management company to be listed as an “additional interest” on the policy. That listing is free, takes 60 seconds at the time the policy is issued, and sends an automatic notification to the landlord if the policy ever cancels. Worth confirming at quote time.

Renters Insurance Quotes in Richmond, KY

Richmond’s renter market is shaped by Eastern Kentucky University and a steady flow of student and recent-graduate renters. Carrier rate corridors here are essentially identical to Lexington, with small adjustments for student-heavy ZIPs:

  • $30,000 / $100,000 / $500 deductible: $16 to $20 a month

  • $30,000 / $300,000 / $500 deductible: $19 to $23 a month

  • $50,000 / $300,000 / $500 deductible: $23 to $27 a month

Two notes specific to Richmond. First, student renters under 25 sometimes face slightly higher quotes from a handful of carriers, but the spread is usually under $3 a month. Second, parents who carry a student on a parent’s homeowners policy often have a Limited form of off-premises coverage already, but that coverage is rarely sufficient for a full apartment of belongings. A standalone renters policy at $20 a month is almost always the cleaner answer.

What Actually Moves the Price (Across All Four Cities)

If your quote came in over $30 a month for $30K / $100K coverage, the city probably isn’t the reason. The five inputs that actually move a Kentucky renters quote:

1. Personal property limit. $30,000 is the realistic baseline. If a moving truck would cost $7,500 to refill your apartment, $30K isn’t enough. Round up to $50K or $75K.

2. Liability limit. $100,000 is the floor. $300,000 is the right answer for most central Kentucky renters and usually only $3 to $5 a month more.

3. Deductible. $500 is the standard. Lowering to $250 raises premium 10 to 15 percent. Raising to $1,000 lowers it 5 to 10 percent.

4. Bundling. A renters policy paired with an auto policy on the same carrier typically discounts the auto 10 to 15 percent, often $150 to $300 a year. The bundle math is usually worth more than the renters policy itself costs.

5. The building. Older buildings, buildings with prior fire-claim history, certain pet policies, and elevated-risk security profiles can shift premium by $2 to $6 a month. Most carriers price this quietly into the quote.

The Lexington Scenario: Two Roommates, Two Cities, Two Different Quotes

Sarah and Devin signed leases the same week. Sarah took a 1-bedroom in Nicholasville. Devin took a 1-bedroom in Versailles. Same age (28), same clean record, identical $30K personal property and $300K liability coverage with a $500 deductible.

Sarah’s Nicholasville quote: $19 a month, or $228 a year. Devin’s Versailles quote: $16 a month, or $192 a year.

Total spread between the two cities: $36 a year. Both renters had auto policies they could bundle. Sarah’s bundle with the same carrier dropped her auto premium $216 a year. Devin’s bundle dropped his auto premium $204 a year. Net cost of the renters policy after the bundle:

  • Sarah: $228 in renters minus $216 in auto savings = $12 a year for renters coverage

  • Devin: $192 in renters minus $204 in auto savings = negative $12 a year, the bundle saved more than the renters policy cost

That’s the entire case for bundling renters and auto in central Kentucky in one paragraph.

Bundling Renters with Auto Insurance: The Math That Almost Always Wins

In Nicholasville, Versailles, Georgetown, Richmond, and Lexington, the bundle math runs the same way. Most major Kentucky carriers offer multi-policy discounts of 10 to 15 percent on the auto premium when a renters policy is added. For a typical renter paying $1,500 a year on auto, that’s $150 to $225 in discount. (For why “cheapest” auto quotes alone almost always cost more in the long run, see why searching “cheapest auto insurance” costs you the most money, and our breakdown of Kentucky auto insurance rates.)

The simplest play in any of these cities:

  1. Pull your auto declarations page

  2. Run a renters quote with the same carrier

  3. Compare the bundled total against your current standalone auto premium

  4. Move the auto policy if the bundle wins, which it usually does

A 15-minute review with an independent insurance agency in Lexington running quotes across multiple carriers in one shot beats a single-carrier captive quote almost every time.

What a Landlord-Required Renters Policy Has to Include

If your lease in any of these cities requires renters insurance (and most now do), the policy almost always has to meet four conditions:

  • Minimum $100,000 in personal liability. Some landlords require $300,000.

  • Property management company listed as an “additional interest” so the carrier notifies the landlord on cancellation. Free to add at quote time.

  • Active before move-in. Most leases require proof of policy in the move-in package.

  • Annual or semi-annual policy term. Monthly month-to-month policies sometimes don’t satisfy lease language.

If a landlord is asking for something unusual (a specific carrier, a higher liability limit than usual, an “additional insured” designation rather than “additional interest”), it’s worth a phone call with an agent to make sure the language on the policy matches the language in the lease. A landlord rejecting your proof of insurance the day before move-in is one of the most common avoidable headaches in renting in Kentucky.

How to Get a Real Renters Insurance Quote in Any Central Kentucky City

The fastest 15-minute path to a real quote, in any of these cities:

  1. Walk through your apartment and ballpark a personal property number. $30K, $50K, $75K. Round up.

  2. Pick a deductible. $500 unless you have the cash on hand to absorb $1,000.

  3. Pick a liability limit. $300,000 unless your assets and income justify higher.

  4. Pull your auto declarations page. A bundle quote is faster, and almost always cheaper than two standalone policies.

  5. Get one conversation with Nova, running quotes across multiple carriers in a single review rather than five lead-gen forms that get sold five times. (More: how to find the best insurance agency in Lexington KY.)

Policy can usually go in force the same day, which matters when the lease requires proof of insurance before keys are handed over.

Final Takeaways

  • ✅ Nicholasville, Versailles, Georgetown, Richmond, and Lexington all price renters insurance within the same $2 to $4 a month corridor for identical coverage

  • ✅ Most central Kentucky renters pay $15 to $22 a month for $30K / $100K coverage with a $500 deductible

  • ✅ The price levers that actually matter: personal property limit, liability limit, deductible, building, and bundle status

  • ✅ A bundled auto + renters policy almost always saves more on auto than the renters policy itself costs

  • ✅ Landlord-required policies almost always need $100K in liability, the property manager listed as additional interest, and proof of policy before move-in

  • ✅ A 15-minute review across multiple carriers with an independent agent beats a single captive quote almost every time

  • ✅ A quote over $30 a month for standard $30K / $100K coverage usually has a building, rider, or credit-score factor pulling the price up

Frequently Asked Questions

How much is renters insurance in Nicholasville, KY?

Most renters in Nicholasville pay $15 to $21 a month for $30,000 in personal property and $100,000 in liability with a $500 deductible. Bundling with auto insurance typically saves 10 to 15 percent on auto, which often equals or exceeds the cost of the renters policy itself.

How much is renters insurance in Versailles, KY?

Versailles renters typically pay $14 to $20 a month for $30,000 in personal property and $100,000 in liability. The smaller market and quieter claim profile usually price slightly under Lexington or Nicholasville for identical coverage.

How much is renters insurance in Georgetown, KY?

Georgetown renters typically pay $15 to $21 a month for $30,000 in personal property and $100,000 in liability. Many Georgetown landlords require the property manager listed as an “additional interest” on the policy. That’s free to add at quote time.

How much is renters insurance in Richmond, KY?

Richmond renters typically pay $16 to $22 a month for $30,000 in personal property and $100,000 in liability. Student renters under 25 sometimes face slightly higher quotes from a handful of carriers, but the spread is usually under $3 a month.

Does my city affect my renters insurance quote in Kentucky?

Less than most renters expect. Nicholasville, Versailles, Georgetown, Richmond, and Lexington all sit within $2 to $4 a month of one another for identical coverage. Personal property limit, liability limit, deductible, building characteristics, and bundling have a much larger impact on the price than the city does.

Do I need to bundle renters and auto insurance in Kentucky?

You’re not required to, but in almost every case the math favors bundling. A renters policy added to an auto policy with the same carrier typically discounts the auto premium 10 to 15 percent, often $150 to $300 a year. That discount frequently exceeds the cost of the renters policy itself.

Can I get renters insurance the same day I sign a lease in Kentucky?

Yes. A renters policy in Kentucky can usually be bound and active the same day you quote it, often within 15 minutes. That matters because most landlords in Nicholasville, Versailles, Georgetown, and Richmond require proof of policy before they’ll hand over keys at move-in.

👉 If you’re moving into a new place in Nicholasville, Versailles, Georgetown, or Richmond and need a renters quote, or you want a real bundle comparison against your current auto policy, get a real number across multiple carriers in one conversation. Call 📞 859-687-2004 or visit Nova Insurance Group.

📞 859-687-2004, Prepared. Not panicked.

Steve Straub | Nova Insurance Group | 99 Wind Haven Dr., Suite 1, Nicholasville, KY 40356 Serving Lexington, Nicholasville, Wilmore, Georgetown, Richmond, and Danville.