C.M. Space & Associates, Inc.
231 North Main Street, Nicholasville, KY 40356
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231 North Main Street, Nicholasville, KY 40356
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30 Avenue of Champions, Nicholasville, KY 40356
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103 Wind Haven Dr, Suite 200, Nicholasville, KY 40356
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270 Limestone Street, Nicholasville, KY 40356
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Learn about insurance coverage options specific to Nicholasville residents.
Complete insurance guide for Nicholasville, Kentucky covering auto requirements, flood risks, home coverage, and local agents in Jessamine County.
Home InsuranceHome insurance in Nicholasville, KY averages $1,265/year. Learn about tornado, hail, and flood coverage for Jessamine County homes and horse farms.
Car InsuranceComplete guide to auto insurance in Nicholasville, Kentucky. Learn about 25/50/25 minimums, choice no-fault system, US-27 commuter coverage, and average 2026 rates.
Kentucky requires all drivers to carry 25/50/25 liability coverage ($25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage) plus $10,000 in Personal Injury Protection (PIP). However, these minimums often aren't enough to fully protect your assets, and many agents recommend at least 100/300/100 coverage for better protection.
No, standard homeowners insurance policies do not cover flood damage anywhere in Kentucky, including Nicholasville and Jessamine County. You need a separate flood insurance policy through the National Flood Insurance Program or private insurers. Only 84 residents in Jessamine County currently have flood coverage despite recent severe flooding in the area.
Flood insurance in Kentucky typically ranges from $680 to $2,056 per year depending on your location and flood risk level. In high-risk areas, annual premiums average around $1,300. Even if you're not in a designated flood zone, you should consider coverage since 20% of flood claims come from properties outside high-risk areas.
If you own a home or have significant savings in Nicholasville, umbrella insurance is worth considering. It provides an extra layer of liability coverage above your auto and home policies, typically starting at $1 million for just $150 to $300 per year. This affordable protection shields your assets from catastrophic lawsuits that could exceed your standard policy limits.
Most Nicholasville residents can save 15% to 25% by bundling auto and home policies with one insurer. Other discounts include installing security systems, maintaining a claims-free record, taking defensive driving courses, and shopping around annually. Get quotes from at least three different sources including independent agents, captive agents, and online comparison tools to find the best rates.
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