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Find Home Insurance Agents Near You in Berea, KY

Browse home insurance agents serving Berea, Kentucky. Updated 2026-07-14.

The top-rated home insurance agent in Berea, Kentucky is Craig Loftis - State Farm Insurance Agent, rated 5.0 stars across 716 reviews. Other highly rated options include Shelter Insurance - Kim Maupin, Kentucky Farm Bureau Insurance, Charles Cromer: Allstate Insurance. This directory lists 12 home insurance agents serving Berea.

Showing 12 home insurance agents in Berea, KYListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Craig Loftis - State Farm Insurance Agent145 Plaza Dr(859) 986-2371
2Shelter Insurance - Kim Maupin208 Pauline Dr Ste C(859) 986-1979
3Kentucky Farm Bureau Insurance216 Pauline Dr(859) 986-2318
4Charles Cromer: Allstate Insurance219 Prince Royal Dr Ste 18(859) 228-0007
5Sammy Castle Insurance327 Chestnut St #3(859) 985-1986
6Derrick Shawn Isaac427 Chestnut St(859) 985-0330
7Insurance Co631 Chestnut St #1(859) 800-2917
8Harbor Insurance KY101 Morningside St(859) 592-8426
9EliteLegacy Insurance KY401 US-25(859) 694-5408
10American National Insurance Co711 Chestnut St(956) 404-0844
CL
145 Plaza Dr
Craig Loftis - State Farm Insurance Agent
Home Insurance Agent · Berea, KY

Craig Loftis - State Farm Insurance Agent serves the Berea, Kentucky area, providing home insurance coverage to local residents. The agency helps homeowners protect their property and personal belongings against common risks such as fire, theft, and severe weather. Clients can obtain policies tailored to the unique needs of homes in this region, including mobile home insurance options. The office also assists with bundling home and auto insurance for simplified management. Policy reviews are another specific service offered here.

SI
208 Pauline Dr Ste C
Shelter Insurance - Kim Maupin
Home Insurance Agent · Berea, KY

Shelter Insurance - Kim Maupin provides a full range of home insurance services for the Berea area, including coverage for property damage, personal liability, and additional living expenses. Its agency helps clients understand and customize their policies to fit individual needs, offering clear explanations of deductibles and coverage limits. The firm services a variety of property types, including single-family homes, apartments, retail spaces, and restaurants.

KF
216 Pauline Dr
Kentucky Farm Bureau Insurance
Home Insurance Agent · Berea, KY

With the changing seasons in Berea, Kentucky Farm Bureau Insurance helps local homeowners address risks from spring storms to winter freeze damage. This agency provides home insurance policies to protect houses and personal property in the surrounding area. Clients can receive guidance on standard coverage options, which typically include dwelling protection and liability insurance. The process begins by scheduling an in-home inspection to assess the property and discuss specific protection needs.

CC
219 Prince Royal Dr Ste 18
Charles Cromer: Allstate Insurance
Home Insurance Agent · Berea, KY

Charles Cromer: Allstate Insurance provides home insurance solutions for residents and property owners in Berea, Kentucky, offering coverage that protects dwellings and personal belongings. The agency can add specialty endorsements for valuable items and liability protection. Its policies assist commercial sectors that require property coverage, including offices, warehouses, and food service operations, helping to secure their physical assets against common risks like fire and weather damage.

SC
327 Chestnut St #3
Sammy Castle Insurance
Home Insurance Agent · Berea, KY

Homeowners, businesses, and property managers in Berea, KY rely on Sammy Castle Insurance for their home insurance agent needs. The agency assists clients in selecting appropriate coverage for a variety of residential and commercial properties. It also offers guidance on protecting assets against common regional risks like storms and fire. Sammy Castle Insurance additionally serves customers throughout Madison County and the nearby Richmond area, ensuring comprehensive local support.

DS
427 Chestnut St
Derrick Shawn Isaac
Home Insurance Agent · Berea, KY

Derrick Shawn Isaac serves clients in Berea, Kentucky, and the surrounding communities, handling comprehensive home insurance policies. It covers standard homeowners protection, including dwelling coverage, personal property, and liability options tailored for local residences. The typical job involves first assessing the client’s property risks and coverage needs, then explaining available policy endorsements before finalizing a customized plan. It applies a thorough and consultative approach to ensure each homeowner understands their specific protections and deductibles.

IC
631 Chestnut St #1
Insurance Co
Home Insurance Agent · Berea, KY

Insurance Co in Berea, KY offers home insurance agent services that can be either one-time for specific policy adjustments or recurring for annual renewal reviews. Coverage options typically include dwelling protection, liability coverage, and personal property insurance tailored to local homes. Since homeowners have varying needs, agents assess individual property risks, recommend appropriate policies, and help file claims. This service runs on an as-needed basis, with clients contacting the agent whenever they require a policy change, a new quote, or assistance after a loss.

HI
101 Morningside St
Harbor Insurance KY
Home Insurance Agent · Berea, KY

Harbor Insurance KY specializes in tailoring home insurance policies to cover dwelling, personal property, and liability protection. The agency assists Berea homeowners in evaluating coverage options for common risks, including fire, theft, and weather-related damage. Its general service work involves reviewing policy details to ensure adequate limits and explaining deductibles to clients. During the spring storm season, the agent helps residents understand how to secure supplemental coverage for potential hail or wind damage to roofs and structures.

EI
401 US-25
EliteLegacy Insurance KY
Home Insurance Agent · Berea, KY

When winter storms or spring rains threaten homes in Berea, KY, securing proper coverage becomes essential. EliteLegacy Insurance KY provides guidance on home insurance policies, helping homeowners protect their properties against unexpected damage. Agents work with clients to assess coverage needs specific to local risks, from frozen pipes to wind events. After discussing available options and answering policy questions, they conduct a thorough review of the home’s condition, completing an initial walk-through to accurately document the property.

AN
711 Chestnut St
American National Insurance Co
Home Insurance Agent · Berea, KY

American National Insurance Co serves residents in Berea, Kentucky, by providing standard homeowners coverage that protects dwelling structures and personal belongings. It also offers specialty add-ons such as extended replacement cost and sewer backup protection to address local weather and infrastructure risks. The agency customizes policies for homeowners, renters, and landlords, ensuring financial security against fire, theft, and storm damage. Commercial sectors served include offices, warehouses, and food service establishments.

TI
1049 Jd Cir
TKO Insurance Agency, LLC
Home Insurance Agent · Berea, KY
(859) 780-2711
HI
421 Ellis St
Humana in Berea
Home Insurance Agent · Berea, KY
(866) 227-5456

What Does a a Home Insurance Agent in Berea Cost?

The average cost of home insurance in Kentucky is around 1,400 to 2,200 dollars per year for a typical policy. Rates in Berea may be slightly lower than state averages due to lower crime rates. Your actual cost depends on your homes age, construction type, location, and coverage limits. This is general information and not insurance advice.

About home insurance agents in Berea

Home insurance agents in Berea Kentucky help you find coverage for your house and belongings. Kentucky law requires insurers to offer certain coverages like windstorm protection. A local agent can explain how Kentucky insurance regulations affect your policy and help you compare options from different companies.

Frequently Asked Questions

What does a home insurance agent in Berea do?

A home insurance agent helps you shop for policies from different insurance companies. They explain coverage options like dwelling protection and personal liability. They also assist with filing claims and updating your policy when your needs change.

Do I need flood insurance in Berea Kentucky?

Standard home insurance policies do not cover flood damage. Berea is near creeks and low-lying areas so flood insurance may be required if you have a mortgage from a federally regulated lender. Ask your agent about separate flood policies through the National Flood Insurance Program.

How do Kentucky insurance laws affect my home policy?

Kentucky law requires insurers to offer coverage for windstorm and hail damage. The state also has a 15-day grace period for late premium payments. Your agent can explain how these laws apply to your specific policy and what to do if you have a dispute with your insurer.

Home Insurance Agents in Other Kentucky Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each home insurance agent's credentials and current standing with your state Department of Insurance.