Renters insurance and housing data for Garrard County, KY

Name: HomeCover HQ Rates Index: Garrard County, KY
Creator: HomeCover HQ
Published: 2026-08-17
License: https://homecoverhq.com/terms

The Census counts 1,341 renter households in Garrard County.

The figures below are that county's own ACS records; state premium averages sit one level up.

renter households: 1,341
median gross rent, monthly: $793
median home value: $186,800

How this compares to Kentucky

Garrard County1,341
Kentucky568,417

Table view

Row	Value
Garrard County	1,341
Kentucky	568,417

How this compares to Kentucky

Kentucky overall: 568,417 renter households across the state, average renters premium $159.

Comparing renters insurance in Garrard County?

Get quotes from licensed local agents. One agent per enquiry, never a call list.

Get agent quotes

Sources, citation and related pages

Cite or embed this figure

Cite as: "HomeCover HQ Rates Index: Garrard County, KY", updated 2026-08-17, https://homecoverhq.com/rates/kentucky/garrard-county-ky/.

Source: NAIC Homeowners Report average premiums (2022 data year) and US Census ACS 5-year (2023) county housing records, computed 2026-08-17.

content.naic.org NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance Report (2022 data) (NAIC public report)

www2.census.gov US Census Bureau ACS 5-year (2023) tables B25003/B25064/B25077 (US Government public domain)
www2.census.gov Census 2023 Gazetteer, counties (US Government public domain)

Methodology: State average premiums by policy form (HO-3 owner-occupied, HO-4 tenant/renters, HO-6 condo, plus HO-2/HO-5 where published) are the NAIC Dwelling Fire/Homeowners report's 2022 data year, transcribed per state and cross-checked against the countrywide row; the NAIC does not publish county premiums, so county rows carry Census ACS 5-year (2023) records instead: total households, renter-occupied households, median gross rent and median home value per county FIPS. County names and centroids come from the Census 2023 Gazetteer. Puerto Rico and territory counties are excluded (no NAIC premium row). Figures describe published filings and Census records, never quotes: your premium depends on carrier, coverage and property.

Get free insurance quotesCompare rates with an agent