Kentucky insurance
Insurance Agency Serving Kentucky
Home, auto and business coverage for Kentucky families and businesses, from Louisville and Lexington to Northern Kentucky and Bowling Green.
What's different in Kentucky
Local risks we plan around
We place Kentucky policies with carriers licensed in the state and service them from our Florida office.
- Tornadoes, hail and iceSevere spring storms, hail and winter ice drive many Kentucky claims. We check how your policy settles roof damage and which deductible applies to wind and hail.
- Mine subsidenceIn parts of Kentucky with a history of underground coal mining, mine subsidence coverage is available through the state's Mine Subsidence Insurance Fund. We'll check whether your county qualifies.
- Earthquake and sinkholesWestern Kentucky sits near the New Madrid Seismic Zone, and karst areas around Bowling Green can develop sinkholes. Standard homeowners policies usually exclude both, so we look at endorsements and separate coverage.
- Choice no-fault autoKentucky is a choice no-fault state. Personal injury protection applies unless you formally reject it in writing, and that choice affects how injury claims work. We explain the trade-off before you decide.
Areas we serve
Across Kentucky
Personal and commercial coverage for clients throughout the state, including:
Business insurance in Kentucky
Commercial clients
Contractors, manufacturers and distributors, restaurants and hospitality, horse farms and equine businesses, and professional firms across the Commonwealth.
FAQ
Kentucky insurance questions
Does homeowners insurance cover sinkholes in Kentucky?
Usually not under a standard policy. Some carriers offer sinkhole or earth movement endorsements, and we'll show you what's available for your home.
What is mine subsidence insurance?
It covers damage when the ground above an old underground mine settles or collapses. Kentucky offers it through a state fund in eligible counties, usually added to your homeowners policy.
Free, no-obligation review
Get a Kentucky quote.
Most quotes come back within one business day. One conversation, every carrier we represent, no obligation.