Insurance You Can Trust in Kentucky

We provide a full range of insurance solutions for individuals, families, and businesses throughout Lexington and the surrounding areas. Our coverage options include home insurance, auto insurance, business insurance, life insurance, toys insurance, Medicare supplements, and group health insurance. Whether you need to protect your property, vehicles, business, or loved ones, we have a policy designed to fit your needs. Our team works with top-rated carriers to find affordable and comprehensive coverage options that provide real protection when you need it most.

Home insurance policies in Kentucky typically cover the structure of your home, personal belongings, liability protection, and additional living expenses in case your home becomes uninhabitable due to a covered loss. Depending on your policy, home insurance may also include coverage for condos, townhomes, apartments, and rental properties. Common risks covered include fire, windstorms, hail, theft, and vandalism. Since Kentucky is prone to severe weather, including tornadoes and heavy storms, we can help you explore policy options that provide the best protection against these risks. If you’re a renter, we offer renters insurance to cover your personal belongings and liability.

Standard home insurance policies do not cover flood damage. If you live in a flood-prone area or want additional peace of mind, we can help you obtain flood insurance through the National Flood Insurance Program (NFIP) or private insurers. Flood insurance is especially important for homeowners near rivers, creeks, or low-lying areas that may experience heavy rainfall or flash flooding. Even if you are not in a designated flood zone, flooding can still occur, making additional coverage a smart investment.

Kentucky requires drivers to carry a minimum amount of auto insurance, including liability coverage for bodily injury and property damage, as well as Personal Injury Protection (PIP). This helps cover medical expenses for you and your passengers, regardless of fault. We offer a range of auto insurance options, including liability, collision, comprehensive, uninsured/underinsured motorist coverage, and more. If you drive a motorcycle, RV, or other recreational vehicle, we also offer specialized insurance to keep you covered. Our goal is to provide customized policies that fit your budget while ensuring you meet Kentucky’s legal requirements.

Several factors influence auto insurance rates, including your driving history, age, credit score, vehicle type, location, and the coverage limits you choose. In Lexington, the cost of auto insurance may also be affected by local traffic conditions, crime rates, and weather-related risks such as ice storms or heavy rainfall. If you want to lower your premiums, we can help you find discounts for safe driving, bundling home and auto insurance, installing anti-theft devices, and more. Our team is committed to finding you the best rates without sacrificing quality coverage.

Owning a business comes with risks, from property damage and liability claims to employee injuries and cyber threats. Business insurance helps protect your company’s financial stability in the event of unexpected losses. In Kentucky, businesses may be required to carry workers’ compensation insurance if they have employees. Other important coverages include general liability, commercial property insurance, professional liability, and business interruption insurance. Whether you run a small business or a large enterprise, we tailor insurance solutions to your industry, ensuring you have the right protection to keep your business running smoothly.

If you or your employees use vehicles for business purposes, you may need commercial auto insurance. Personal auto policies typically do not cover accidents that occur while using a vehicle for work-related activities. Commercial auto insurance provides liability protection, physical damage coverage, and additional benefits tailored to businesses. If your company owns multiple vehicles, fleet insurance may be a cost-effective solution. We can help you determine whether you need commercial auto insurance based on your operations and risk exposure.

Toys insurance provides coverage for recreational vehicles such as motorcycles, ATVs, boats, RVs, and other specialty vehicles. Since these vehicles are often high-value assets used for leisure activities, they require specialized insurance to protect against accidents, theft, and damage. If you own a boat, for example, you may need coverage for liability, physical damage, and accessories like trailers or fishing equipment. Our toys insurance policies are customized to ensure you have the right protection for your recreational vehicles so you can enjoy them with confidence.

Medicare supplement plans, also known as Medigap policies, help cover the out-of-pocket costs that Original Medicare does not pay, such as copayments, coinsurance, and deductibles. These plans are especially beneficial for seniors who want more predictable healthcare expenses and additional coverage for medical services. If you are enrolled in Medicare Part A and Part B and want to reduce your out-of-pocket costs, we can help you compare different Medigap plans available in Kentucky. Our team will guide you through your options so you can find a plan that meets your healthcare and budget needs.

There are several ways to lower your insurance costs without sacrificing coverage. Bundling multiple policies, such as home and auto insurance, can lead to significant discounts. Maintaining a good credit score, driving safely, and installing security features in your home or vehicle can also help reduce your premiums. For businesses, implementing risk management strategies and choosing the right coverage limits can optimize your insurance costs. At Summit Insurance Group, we work closely with you to explore all available discounts and customize a policy that provides the best value for your needs.

As a veteran-owned, locally based insurance agency, we are committed to serving the Lexington community with integrity, expertise, and personalized service. We take the time to understand your unique insurance needs and find the best coverage at the most competitive rates. Our team prioritizes transparency, making sure you fully understand your policy and feel confident in your protection. Whether you need personal or business insurance, we are here to guide you every step of the way, ensuring you have the right coverage for every stage of life.