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HomeHome Insurance AgentsKentucky › Somerset

Find Home Insurance Agents Near You in Somerset, KY

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

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.

Showing 20 home insurance agents in Somerset, KYListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Tammy Hill - State Farm Insurance Agent3311 S Hwy 27 Suite 10(606) 676-0000
2Isaacs Insurance250 Belmont Drive Suite 3(606) 679-1590
3Charles Cromer: Allstate Insurance705 W Hwy 80(606) 677-0931
4Chad Smallwood - State Farm Insurance Agent823 S Hwy 27 Ste 2(606) 416-5072
5Stewart & Tucker Insurance3737 S Hwy 27(606) 451-2139
6Cundiff & Company Insurance Inc.525 Ogden St(606) 679-8379
7Priority Insurance Agency110 Richie Ln suite a(606) 425-4862
8Reed Brothers Insurance Services, Inc.95 E Somerset Church Rd(606) 679-6311
9Safe Harbor Insurance, LLC211 W Mt Vernon St(606) 677-0051
10Mathis Insurance Agency, Inc1340 S Hwy 27(606) 679-7836
TH
3311 S Hwy 27 Suite 10
Tammy Hill - State Farm Insurance Agent
Home Insurance Agent · Somerset, KY

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.

II
250 Belmont Drive Suite 3
Isaacs Insurance
Home Insurance Agent · Somerset, KY

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.

CC
705 W Hwy 80
Charles Cromer: Allstate Insurance
Home Insurance Agent · Somerset, KY

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.

CS
823 S Hwy 27 Ste 2
Chad Smallwood - State Farm Insurance Agent
Home Insurance Agent · Somerset, KY

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.

ST
3737 S Hwy 27
Stewart & Tucker Insurance
Home Insurance Agent · Somerset, KY

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.

CC
525 Ogden St
Cundiff & Company Insurance Inc.
Home Insurance Agent · Somerset, KY

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.

PI
110 Richie Ln suite a
Priority Insurance Agency
Home Insurance Agent · Somerset, KY

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.

RB
95 E Somerset Church Rd
Reed Brothers Insurance Services, Inc.
Home Insurance Agent · Somerset, KY

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.

SH
211 W Mt Vernon St
Safe Harbor Insurance, LLC
Home Insurance Agent · Somerset, KY

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.

MI
1340 S Hwy 27
Mathis Insurance Agency, Inc
Home Insurance Agent · Somerset, KY

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.

PI
429 Ogden St #2
Pearson Insurance Agency
Home Insurance Agent · Somerset, KY
(606) 679-1450
pearsonins.net
HB
225 Langdon St
Hays Brother's Insurance
Home Insurance Agent · Somerset, KY
(606) 679-4297
haysbrothers.com
FI
2520 S Hwy 27
First Insurance Group USA
Home Insurance Agent · Somerset, KY
(606) 679-3570
firstinsurancegroupusa.com
SI
2871 S Hwy 27
Superior Insurance Agency KY
Home Insurance Agent · Somerset, KY
(606) 442-8251
JI
150 Creek Terrace
Jarvis Insurance Agency, Inc.
Home Insurance Agent · Somerset, KY
(606) 678-4911
jarvisinsagency.com
LI
1126 S Hwy 27
Lakeland Insurance Group
Home Insurance Agent · Somerset, KY
(606) 679-5830
lakelandinsurancegroup.com
AI
4311 S Hwy 27 #2
American Insurance Agency
Home Insurance Agent · Somerset, KY
(606) 677-0717
aiasomerset.com
PI
118 N Main St
Parker Insurance Agency
Home Insurance Agent · Somerset, KY
(606) 678-5246
theparkeragency.net
SC
99 Tandy Ave
South Central Insurance LLC
Home Insurance Agent · Somerset, KY
(606) 425-4943
sciky.net
LI
207 Apache Trail
Lakeland Insurance Group
Home Insurance Agent · Somerset, KY
(606) 425-1279
lakelandinsurancegroup.com/about-our-agency

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.

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.