The top-rated home insurance agent in Somerset, Kentucky is Tammy Hill - State Farm Insurance Agent, rated 4.9 stars across 158 reviews. Other highly rated options include Isaacs Insurance, Charles Cromer: Allstate Insurance, Chad Smallwood - State Farm Insurance Agent. This directory lists 20 home insurance agents serving Somerset.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Tammy Hill - State Farm Insurance Agent | 3311 S Hwy 27 Suite 10 | (606) 676-0000 |
| 2 | Isaacs Insurance | 250 Belmont Drive Suite 3 | (606) 679-1590 |
| 3 | Charles Cromer: Allstate Insurance | 705 W Hwy 80 | (606) 677-0931 |
| 4 | Chad Smallwood - State Farm Insurance Agent | 823 S Hwy 27 Ste 2 | (606) 416-5072 |
| 5 | Stewart & Tucker Insurance | 3737 S Hwy 27 | (606) 451-2139 |
| 6 | Cundiff & Company Insurance Inc. | 525 Ogden St | (606) 679-8379 |
| 7 | Priority Insurance Agency | 110 Richie Ln suite a | (606) 425-4862 |
| 8 | Reed Brothers Insurance Services, Inc. | 95 E Somerset Church Rd | (606) 679-6311 |
| 9 | Safe Harbor Insurance, LLC | 211 W Mt Vernon St | (606) 677-0051 |
| 10 | Mathis Insurance Agency, Inc | 1340 S Hwy 27 | (606) 679-7836 |
Tammy Hill - State Farm Insurance Agent serves Somerset, Kentucky, and the surrounding Pulaski County area as a home insurance agent. The agency works with homeowners to find policies tailored to their properties and budgets. It assists clients in understanding coverage options for structures, personal belongings, and liability protection. This office also helps with questions about bundling home and auto policies for potential discounts. Specific services handled here include dwelling coverage assessments and filing claims for property damage.
Isaacs Insurance provides a range of home insurance services for property owners in Somerset, KY, including coverage for dwelling protection, personal liability, and additional structures. The agency offers guidance on policy options and claims support, helping clients manage their coverage throughout the policy term. It serves a variety of property types, such as single-family homes, apartments, retail spaces, and restaurants.
Charles Cromer: Allstate Insurance in Somerset, Kentucky, is known for helping local homeowners protect their property and personal assets. The agency provides standard dwelling coverage policies and liability protection tailored to individual needs. They also regularly advise clients on the importance of adequate coverage limits for belongings and structures. In addition to basic policies, the agency can arrange additional replacement cost endorsement services for high-value personal items like jewelry or electronics.
Chad Smallwood - State Farm Insurance Agent serves homeowners, businesses, and property managers in Somerset, Kentucky, by providing home insurance policies tailored to protect residential properties and personal belongings. The agency offers typical coverage options including dwelling protection, liability coverage, and policies for additional structures on a property. Common claims assistance is provided to help clients navigate loss events such as fire, wind damage, or theft. The agency also extends its services to neighboring areas, including Burnside and the surrounding Pulaski County communities.
Stewart & Tucker Insurance serves Somerset and the surrounding Pulaski County communities, handling homeowners coverage for single-family residences, condominiums, and rental properties. The agency also addresses personal property protection and liability insurance needs for local residents. It works directly with clients to explain policy coverage limits and available endorsements. For a typical assignment, the agent assesses the property’s specific risk factors before presenting options from multiple carriers.
Cundiff & Company Insurance Inc. in Somerset, KY provides home insurance agents who help clients choose between a one-time policy review and an ongoing relationship for regular coverage updates. Their expertise includes explaining policy details, comparing coverage options for property protection, and guiding residents through the claims process after a loss. Service is available on an as-needed basis, allowing homeowners to request support for new policies, policy changes, or annual plan evaluations.
As a home insurance agent in Somerset, KY, Priority Insurance Agency specializes in tailoring coverage options to protect local residences against regional weather risks. Its general service work includes assisting clients in comparing policies to find suitable deductibles and liability limits for their properties. A typical area of focus is evaluating how standard packages align with needs. This agent helps homeowners review and update their plans before the heightened storm and hail season common to south-central Kentucky.
As storm season brings heavy rains and strong winds through Somerset, homeowners often need to review their coverage for potential damage. Reed Brothers Insurance Services, Inc. helps local residents compare policies that address common regional weather risks. They guide clients through standard dwelling protection and personal property options. A typical process begins with a conversation about the home’s age and construction materials, leading to an initial assessment of coverage limits and deductible choices. This usually includes a walk-through inspection of the property to identify any structural concerns before finalizing a policy.
Safe Harbor Insurance, LLC in Somerset, KY provides residential home insurance policies tailored to protect local homeowners. Commercial coverage is also available for small business properties in the surrounding Somerset area, including outlying communities in Pulaski County. An agent works directly with clients to review dwelling values and personal property limits based on regional construction costs and weather risks. Follow-up service is offered between regular visits to address policy adjustments or claims assistance as needed.
Mathis Insurance Agency, Inc in Somerset, KY provides home insurance agent services, assisting local homeowners with coverage for property damage and liability. They can also arrange specialty add-ons such as endorsements for valuable personal items or flood protection, which are often excluded from standard policies. This agency serves residential clients as well as various commercial sectors, including offices, warehouses, and food service operations, tailoring policies to each business’s unique risks.
What Does a 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.
About home insurance agents in Somerset
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.
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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