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Directory of home insurance agents in Somerset, Kentucky. Verify credentials with the state department of insurance before hiring.
20 agents listed
Updated May 2026
Somerset, KY
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Kentucky before hiring.
Showing 20 home insurance agents in Somerset, KY
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Tammy Hill - State Farm Insurance Agent
3311 S Hwy 27 Suite 10, Somerset, KY 42501
(606) 676-0000
tammyhill.net
Charles Cromer: Allstate Insurance
705 W Hwy 80, Somerset, KY 42503
(606) 677-0931
agents.allstate.com
Isaacs Insurance
250 Belmont Drive Suite 3, Somerset, KY 42501
(606) 679-1590
isaacsinsure.com
Chad Smallwood - State Farm Insurance Agent
823 S Hwy 27 Ste 2, Somerset, KY 42501
(606) 416-5072
insuredbychad.com
Stewart & Tucker Insurance
3737 S Hwy 27, Somerset, KY 42501
(606) 451-2139
stewarttuckerinsurance.com
Cundiff & Company Insurance Inc.
525 Ogden St, Somerset, KY 42501
(606) 679-8379
cundiffandcompanyinsurance.com
Priority Insurance Agency
110 Richie Ln suite a, Somerset, KY 42503
(606) 425-4862
piasomerset.com
Reed Brothers Insurance Services, Inc.
95 E Somerset Church Rd, Somerset, KY 42503
(606) 679-6311
rbisomerset.com
Mathis Insurance Agency, Inc
1340 S Hwy 27, Somerset, KY 42501
(606) 679-7836
mathisinsurance.org
Safe Harbor Insurance, LLC
211 W Mt Vernon St, Somerset, KY 42501
(606) 677-0051
safeharborsomerset.com
Pearson Insurance Agency
429 Ogden St #2, Somerset, KY 42501
(606) 679-1450
pearsonins.net
Hays Brother's Insurance
225 Langdon St, Somerset, KY 42501
(606) 679-4297
haysbrothers.com
First Insurance Group USA
2520 S Hwy 27, Somerset, KY 42501
(606) 679-3570
firstinsurancegroupusa.com
Lakeland Insurance Group
1126 S Hwy 27, Somerset, KY 42501
(606) 679-5830
lakelandinsurancegroup.com
Jarvis Insurance Agency, Inc.
150 Creek Terrace, Somerset, KY 42503
(606) 678-4911
jarvisinsagency.com
Superior Insurance Agency KY
2871 S Hwy 27, Somerset, KY 42501
(606) 442-8251
American Insurance Agency
4311 S Hwy 27 #2, Somerset, KY 42501
(606) 677-0717
aiasomerset.com
Parker Insurance Agency
118 N Main St, Somerset, KY 42501
(606) 678-5246
theparkeragency.net
South Central Insurance LLC
99 Tandy Ave, Somerset, KY 42501
(606) 425-4943
sciky.net
Lakeland Insurance Group
207 Apache Trail, Somerset, KY 42501
(606) 425-1279
lakelandinsurancegroup.com
A home insurance agent in Somerset Kentucky can help you find a policy that meets your needs and complies with state requirements. Kentucky law does not require homeowners insurance but mortgage lenders usually do. Local agents understand the risks specific to Pulaski County including severe weather and flooding near Lake Cumberland.
What Does a Home Insurance Agent in Somerset Cost?
The average cost of homeowners insurance in Kentucky is about 1,200 to 1,800 dollars per year for a standard policy. Costs in Somerset may vary based on your homes age construction materials and distance from a fire station. Flood insurance is separate and may cost 500 to 1,000 dollars per year through the National Flood Insurance Program. This is general information not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a home insurance agent in Somerset do?
A home insurance agent helps you compare policies from different companies. They explain coverage options like dwelling protection and personal property coverage. They also assist with claims and policy changes.
Is homeowners insurance required by law in Kentucky?
Kentucky state law does not require homeowners insurance. However most mortgage lenders require it to protect their investment. If you own your home outright you may choose not to carry insurance but it is risky.
How do I choose a home insurance agent in Somerset?
Look for an agent licensed in Kentucky with experience in your area. Ask about their knowledge of local risks like hail storms and tornadoes. Check their customer reviews and ask about the insurance companies they represent.
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Notice
BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Kentucky.