What We Offer

For home insurance and auto insurance in Lexington, as well as many other important insurance policies, the team to turn to is Mayne Insurance Agency. We are a local, independent agency, which means that we work for you, not the insurance companies. With us, you get the best coverage for your needs, and at the best possible cost, from one or more of the dozens of insurance agencies we work with. With years of experience in the industry and familiarity with Lexington and local laws that impact insurance coverage, we are confident that we can help you secure the best insurance package for your home. Call Us to Learn About Home Insurance in Lexington at 859-514-6541.

Homeowners’ Insurance

If you purchase your home without the help of a lender or you have paid off your mortgage, you could choose to go without a homeowners’ insurance policy—but it wouldn’t be a wise choice. Homeowners’ insurance policies are a safety net, one that allows you to avoid something as devastating as homelessness should disaster strike. Most policies cover not only the physical structure of the home, but also the items inside the home, such as heirlooms, electronics, fitness equipment, and more.Something else that many homeowners’ insurance policies cover is liability. This means that should you end up needing to pay out in a civil suit regarding injuries or property damage caused by you, your family, or your pets, the policy should end up paying it for you. While this might seem to be something you are unlikely to need, it is highly recommended if you have items in your home such as swimming pools, trampolines, or other dangerous items. Additionally, it is one of those things where you are likely better safe than sorry.Depending on your concerns, you may also want to take out special coverage for specific natural disasters. For example, most standard policies do not cover earthquake damage or flood damage. If these are a concern for you, you will need to take out additional policies to cover them. Also, it is important to note that problems related to lack of maintenance on your part are generally not covered; it is expected that you will properly maintain your home.What Are the Risks of Not Getting a Home Insurance Policy?Lexington residents frequently ask us this question because they are looking at their budget and trying to decide what to cut. While we can understand wanting to cut one of the bigger bills you have each year, the potential consequences of this decision are grave. If you are still paying off your mortgage, discontinuing your policy will result in breaking your contract with your lender, which will cost you much more than your insurance policy would. Then you must consider the costs of replacing your home should it be irreparably damaged. On top of that, you will need to replace everything inside of it; just the cost of replacing your electronics could be enough to break the bank. And that doesn’t even get into liability in civil suits, where you could potentially owe millions.In short, even when you are not required to have a homeowners’ insurance policy, you should have one.

Auto, Motorcycle & RV Insurance

Lexington residents are required to have an insurance policy on any vehicle they own and take out on the road. The minimum required is a liability policy covering at least $25,000 for bodily injury per person and $50,000 bodily injury total per accident and $10,000 in property damage per accident. As such, having an auto insurance policy is not just about protecting your finances, but preventing you from being jailed in the event of an accident.We can help you secure any of the six types of auto insurance available on the market: collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, medical coverage, and personal injury protection or PIP. These policies can cover property damage, liability, and medical coverage, depending on what you are looking for and what is required by law and by your lender, if you have one.Property damage coverage ensures that you will be compensated for your vehicle in the event of theft of the vehicle or damage to the vehicle. Liability insurance covers legal fees related to damage or injuries caused by the vehicle. Medical coverage covers fees related to bodily damages, which might cover items such as hospitalization, medication, rehab, lost wages, and funeral costs.While Lexington residents only need to have liability coverage, we recommend that you opt for the most comprehensive coverage you can afford. Most motorists will experience an accident in their lifetimes, and many will experience more than one. Because the odds are so high, it is best to be as protected as possible.

Mayne Insurance Agency

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