Nova Insurance Group is an independent insurance agency serving Lexington, KY and Central Kentucky.
As an independent agency, we are not tied to any single insurance company — we shop your coverage across multiple top-rated carriers to find the best protection at the best price for you.
Whether you need home, auto, life, business, or Medicare insurance, our local team is here to make insurance simple, personal, and affordable for Lexington families and businesses.
Who We Are
Finding the right insurance shouldn’t be complicated — but with dozens of carriers, coverage options, and policy types to navigate, most people don’t know where to start. That’s where we come in.
At Nova Insurance Group, we work for you, not for an insurance company. As an independent insurance agency headquartered just minutes from Lexington in Nicholasville, KY, we’ve helped thousands of families and businesses across Central Kentucky protect what matters most. We compare rates and coverage from multiple highly-rated insurance carriers to find the right fit for your specific situation — not a one-size-fits-all policy.
We know Lexington. We know the neighborhoods, the weather risks, the traffic on New Circle Road, the flood-prone areas near Town Branch, and the unique needs of homeowners in Hamburg, Beaumont, Chevy Chase, and Hartland. That local knowledge means we give you advice that actually applies to your life — not generic guidance from an out-of-state call center.
Insurance Coverage for Lexington, KY Residents
Home Insurance in Lexington, KY
Lexington homeowners face a unique set of risks — from severe thunderstorms and hail in spring and summer, to ice storms in winter, and flooding near creeks and waterways throughout the year. A standard homeowner’s policy may not cover everything you think it does.
Nova Insurance Group shops your home insurance across multiple carriers to find coverage that protects your home’s full replacement value, your personal belongings, and your liability — at a price that makes sense for your budget. We’ll also make sure you’re not caught off guard by coverage gaps like flood exclusions or underinsured dwelling limits.
→ Common coverage we help Lexington homeowners with: dwelling replacement cost, personal property, liability, water backup, scheduled jewelry and valuables, and flood insurance.
Learn More About Home Insurance
Auto Insurance in Lexington, KY
Lexington drivers deal with heavy traffic on I-75, I-64, New Circle Road, and Man O’ War Boulevard — and Kentucky is a “choice no-fault” state with its own unique insurance requirements. Making sure you have the right auto coverage isn’t just smart — it’s the law.
We compare auto insurance rates from multiple carriers to find you the best combination of price and protection. Whether you’re a University of Kentucky student, a commuter, a family with teen drivers, or a business owner with a company vehicle, we’ll find a policy that fits.
→ Common coverage we help Lexington drivers with: liability, uninsured motorist, collision, comprehensive, gap insurance, roadside assistance, and teen driver coverage.
Learn More About Auto Insurance
Life Insurance in Lexington, KY
Life insurance is one of the most important financial decisions your family will ever make — and one of the most commonly delayed. If someone depends on your income, you need life insurance. It’s that simple.
Nova Insurance Group works with multiple top-rated life insurance carriers to find term life, whole life, and universal life policies that fit your budget and your goals. We’ll walk you through exactly how much coverage you need, what type of policy makes sense, and how to get approved — even if you have health conditions.
→ Common coverage we help Lexington families with: term life, whole life, final expense coverage, key person business life insurance, and life insurance for parents and grandparents.
Learn More About Life Insurance
Business Insurance in Lexington, KY
Lexington has a thriving business community — from healthcare and equine industries to retail, restaurants, contractors, and professional services. Every business faces unique risks, and a single uncovered claim can be devastating.
As an independent agency, we work with multiple commercial insurance carriers to build a coverage program tailored to your business — not a cookie-cutter policy. Whether you’re a solo contractor, a small retailer on Main Street, or a growing company with 50 employees, we’ll make sure you’re protected.
→ Common coverage we help Lexington businesses with: general liability, business owners policy (BOP), commercial property, business auto, workers’ compensation, professional liability, and commercial umbrella.
Learn More About Business Insurance
Medicare Insurance in Lexington, KY
Turning 65 or approaching Medicare eligibility can feel overwhelming — with dozens of plan types, carriers, and enrollment deadlines to navigate. Our team helps Lexington-area residents understand their Medicare options clearly and choose the right plan for their health needs and budget.
→ We help with: Medicare Supplement (Medigap) plans, Medicare Advantage plans, and Part D prescription drug coverage.
Annuities
Planning for retirement income? An annuity can provide a guaranteed, steady stream of income you can’t outlive — giving Lexington families peace of mind in retirement. We work with multiple carriers to find fixed, indexed, and variable annuity options that match your timeline and risk tolerance.
Get a Free Quote
Why Lexington, KY Families and Businesses Choose Nova Insurance Group
- We’re Independent — We Work for YOU
Most insurance agencies represent just one company. As an independent agency, we represent dozens of top-rated carriers. That means when you need a policy, we shop the entire market to find you the best coverage at the best price — and we do it again every year at renewal. - Local Expertise, Central Kentucky Knowledge
We’re not a national call center — we’re your neighbors. Our team knows the Lexington and Central Kentucky market, including local weather risks, flood zones, county regulations, and the specific needs of Kentucky homeowners, drivers, and businesses. When you call us, you talk to someone who actually knows your area. - One Agency for Everything
Home, auto, life, business, Medicare, annuities — we handle it all. Bundling your policies with Nova Insurance Group doesn’t just simplify your life, it typically saves you 10-20% on your premiums. One agent, one call, total coverage. - Personal Service — Real People, Real Relationships
We believe insurance should be a relationship, not a transaction. Our clients aren’t policy numbers — they’re people we know by name. From your first quote to a claim at 2am, our team is here when it matters. - Trusted by Central Kentucky Families and Businesses
We’ve helped thousands of families and businesses across Lexington, Nicholasville, Georgetown, Richmond, and Versailles protect what they’ve worked hard to build. Our clients stay with us because we deliver on our promises — year after year.
Serving Lexington, KY and All of Central Kentucky
Nova Insurance Group proudly serves clients throughout Lexington and the surrounding communities of Central Kentucky, including:
- Lexington
- Nicholasville
- Georgetown
- Richmond
- Versailles
- Wilmore
- Winchester
- Frankfort
- Berea
- Danville
- Paris
- Harrodsburg
- Mt. Sterling
We serve clients across Fayette County, Jessamine County, Scott County, Madison County, Woodford County, and beyond.
Whether you live near the University of Kentucky campus, in the Hamburg area, out in the horse farm corridors of Woodford County, or anywhere in between — we’re your local insurance agency.
What Our Lexington Clients Are Saying
“Nova is my go to insurance company for all of my commercial properties and general business insurance. Not only are they typically the best priced but they also deliver exceptional customer service. On a recent commercial property acquisition I reached out to them and a larger insurance agency in town to quote property insurance for the new property, and Nova got me a quote, talked to me about it, and got it bound before the other agency ever even responded to my initial email!”
Joseph B.
“I want to thank Nova Insurance Group for their quick and timely responses to my insurance needs. Dawson Fields worked quickly and found me an insurance carrier that I can work with. With a teenage driver, it can always be a stressful time.”
Steven S.
“Dawson was amazing to work with! Answered all my questions and kept me informed through the whole process. I would definitely recommend!”
Tracey M.
See Our Google Reviews
Visit Us or Give Us a Call
We’re conveniently located in Nicholasville — just minutes from Lexington — and serve clients across all of Central Kentucky in person, by phone, and online.
📍 99 Wind Haven Dr., Suite 1, Nicholasville, KY 40356
📞
🌐 novainsurancegroup.com
🕐 Monday–Friday: 8:30AM – 4:30PM
See Our Location
Can’t come to us? No problem. We can handle your quote, policy review, or coverage questions completely by phone or email.
Frequently Asked Questions — Insurance in Lexington, KY
Who is the best insurance agent in Lexington, KY?
Nova Insurance Group is one of Central Kentucky’s most trusted independent insurance agencies, serving Lexington and the surrounding communities. As an independent agency, we work with dozens of top-rated carriers to find the best coverage for your specific needs — unlike captive agents who can only offer one company’s products. Our local team provides personalized service and competitive rates for home, auto, life, business, and Medicare insurance.
How do I find an independent insurance agent in Lexington, KY?
An independent insurance agent, like Nova Insurance Group, represents multiple insurance carriers rather than just one. To find one in Lexington, look for agencies that specifically state they are “independent” — they should be able to compare quotes from multiple companies. You can also visit TrustedChoice.com, which lists independent agents by location. Nova Insurance Group serves Lexington, Nicholasville, Georgetown, and all of Central Kentucky.
What insurance do I need as a homeowner in Lexington, KY?
Lexington homeowners should carry at minimum a standard homeowner’s policy covering their dwelling, personal property, and liability. Given Kentucky’s weather risks — including hail, severe storms, ice damage, and flooding — we also recommend reviewing your flood insurance options and ensuring your dwelling coverage reflects your home’s true replacement cost, not just its market value. Nova Insurance Group can review your current coverage and identify any gaps.
Is Nova Insurance Group an independent agency?
Yes — Nova Insurance Group is an independent insurance agency. That means we are not owned by or exclusive to any single insurance company. We work with many top-rated carriers and shop the market on your behalf to find the best coverage at the best rate. Our loyalty is to our clients, not to any one insurance company.
How do I get a quote from Nova Insurance Group in Lexington?
Getting a quote is easy. You can request a quote online at novainsurancegroup.com, call our office directly, or stop by our location at 99 Wind Haven Dr., Suite 1, Nicholasville, KY. Most quotes take 10-15 minutes and we can often provide same-day options. We serve clients throughout Lexington, Nicholasville, Georgetown, Richmond, Versailles, and all of Central Kentucky.
Ready to Get Started? Get Your Free Quote Today.
Shopping for insurance in Lexington, KY doesn’t have to be stressful. At Nova Insurance Group, we do the shopping for you — comparing rates from multiple top carriers to find the right coverage at the right price.
It takes about 10 minutes. There’s no pressure and no obligation.
Get a Free Quote
Or, call us directly:
Nova Insurance Group
99 Wind Haven Dr., Suite 1
Nicholasville, KY 40356
Proudly serving Lexington, KY and all of Central Kentucky.
Contact Information
