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GEICO Insurance Agent
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Business Profile
Dawn Stice - State Farm Insurance Agent
No One Takes Care of You Like A State Farm Agent. Get A Quote Today!
Tophan Kulkriwes - State Farm Insurance Agent
No One Takes Care of You Like A State Farm Agent. Get A Quote Today!
Stewart Perry - State Farm Insurance Agent
No One Takes Care of You Like A State Farm Agent. Get A Quote Today!
David Lovejoy - State Farm Insurance Agent
No One Takes Care of You Like A State Farm Agent. Get A Quote Today!
Debra Hensley - State Farm Insurance Agent
No One Takes Care of You Like A State Farm Agent. Get A Quote Today!
Dick Perry - State Farm Insurance Agent
No One Takes Care of You Like A State Farm Agent. Get A Quote Today!
Jeff Briggs - State Farm Insurance Agent
No One Takes Care of You Like A State Farm Agent. Get A Quote Today!
Bob Pitman - State Farm Insurance Agent
No One Takes Care of You Like A State Farm Agent. Get A Quote Today!
Russ Tucker - State Farm Insurance Agent
No One Takes Care of You Like A State Farm Agent. Get A Quote Today!
Important Terms Insurance Agents and Agencies Use
The following are some important – but lesser known – insurance terms that may be used by your insurance agent or agency.

Binder: A binder is an initial or limited agreement between an insurance agent or agency and a client. Binders are a way of offering temporary coverage to an individual before a permanent policy is drafted or signed.

Comprehensive Coverage: Comprehensive coverage reimburses a policyholder for uncontrollable occurrences. Comprehensive coverage can be included in auto and homeowners insurance policies and includes events like vandalism, theft, fire, and damages caused by natural disasters like storms and floods.

Endorsement: An endorsement, or rider, is a change made to an insurance agreement that adds or eliminates certain coverage.

Incontestable Clause: An incontestable clause is a part of certain kinds of insurance policies that removes an insurance company’s ability to argue a claim. For example, if someone with life insurance commits suicide, the insurance company cannot deny coverage if the policy has been in effect for a certain amount of time. Incontestable clauses usually take effect after about two years.

Lapse: A lapse is an end to insurance coverage due to nonpayment. Most policies offer a grace period before a lapse occurs.

Mandated Benefits: These are policy benefits that must be offered to health insurance subscribers. Mandated benefits are determined by state and federal laws.

Surcharge: A surcharge is a monthly fee in addition to the usual monthly premium. Surcharges are often added to car insurance policies if a moving violation or accident has been reported.

Underwriting: Underwriting is the process of charging particular rates based on a potential or current client’s general information. This generalization is the degree of insurability of a particular group. For example, a teenage female and an elderly male are classified differently and will pay different premium rates.

Connecture
Our local Lexington area insurance agents specialize in family and individual coverage to suit your budget and needs. Let us make sure you have the coverage you need from our insurance agents.
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National Association of Professional Insurance Age
The members of our prestigious association are the most professional insurance agents available in the nation. Find the right type of provider and coverage you need with our association.
MAP
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Cooper & Associates
Our professional staff can assist Lexington-area residents with a range of Insurance Services. If you're looking for Insurance Agencies that can help maximize your retirement income, don't hesitate to contact us.
MAP
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American Association of Health Plans
If you're looking for a dependable and affordable health insurance agent or agency near you, check our association's directory. Listing only the best insurance agents and agencies in the country.
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National Center for Assisted Living
Businesses specializing in health care coverage should be a part of our nationwide association for health care. Whether you're an insurance agent or agency, you should be a part of our association.
MAP
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STANDARD LISTINGS:   INSURANCE-AGENTS-AND-AGENCIES IN/NEAR LEXINGTON
John Hancock Financial Service Write review for this local business
P.o. Box 2170, Danville, KY 40423
(859) 583-5060  
Serving the central area, life insurance, long term care insurance and financial services. Agents and agencies for workers compensation, long term management and more.
Mark Smith State Farm Insurance Agent Write review for this local business
1206 Highland Ave, Carrollton, KY 41008
(502) 732-3525  
Offering the right insurance policy for you, such as auto, homeowner's, renter's, life and business insurance. Worker's compensation available. Individuals or groups. Our agents can assist you today.
Corey Insurance Agency Write review for this local business
3832 Taylorsville Rd Ste 1, Louisville, KY 40220
(502) 473-7910  
Insuring families, churches and businesses since 1983, primarily in Kentucky and Southern Indiana. We are an independent insurance agency.
Keystone-Sills Insurance Agency Write review for this local business
210 Malabu Dr, Lexington, KY 40502
(859) 276-1881  
H I Flight Inc Write review for this local business
210 Malabu Dr Ste 219, Lexington, KY 40502
(859) 277-8707  
Milward John B Write review for this local business
317 Holiday Rd, Lexington, KY 40502
(859) 266-4910  
Mike Ison Write review for this local business
2121 Richmond Rd Ste 145, Lexington, KY 40502
(859) 268-8850  
Northwestern Mutual Write review for this local business
800 E High St, Lexington, KY 40502
(859) 523-8700  
C M Space & Associates Inc Write review for this local business
3363 Tates Creek Rd Ste 225, Lexington, KY 40502
(859) 225-5123  
Powers Insurance Agency Write review for this local business
210 Old Mount Tabor Rd, Lexington, KY 40502
(859) 269-6111  
Chuck Powers Write review for this local business
210 Old Mount Tabor Rd Ste C, Lexington, KY 40502
(859) 269-6111  
Waterville Insurance & Bloodstock Services LLC Write review for this local business
1050 Chinoe Rd Ste 112, Lexington, KY 40502
(859) 335-6200  
Ray Kenneth L Insurance Write review for this local business
1005 Richmond Rd, Lexington, KY 40502
(859) 971-0821  
Robbins William G CLU & Associates Write review for this local business
1005 Richmond Rd, Lexington, KY 40502
(859) 266-3194  
Todd & Associates Write review for this local business
929 The Curtilage, Lexington, KY 40502
(859) 269-7937  
Creech & Stafford Insurance Agency Inc Write review for this local business
210 Malabu Dr Ste 200, Lexington, KY 40502
(859) 253-1371  
Forsythe & Associates Write review for this local business
124 Kentucky Ave, Lexington, KY 40502
(859) 268-1571  
The Neuman Group Write review for this local business
3363 Tates Creek Rd Ste 204, Lexington, KY 40502
(859) 231-0400  
Strong Insurance Agency Write review for this local business
405 Hart Rd, Lexington, KY 40502
(859) 263-5840  
Joseph Federspiel Financial Services Write review for this local business
2016 Lakeside Dr, Lexington, KY 40502
(859) 276-1413  

Insurance agencies and the agents themselves may consider very different coverage plans for homeowners or commercial property brokers. Whether farmers need coverage or you need a plan for your auto, as well as medical or traveling insurance, much can be considered a liability so it’s important to hire a licensed agent who can provide general services. Whether you have specialties, such as traveler insurance or have specific health issues, finding the right group that covers federal needs as well as workers compensation and everything between can make the difference between surviving and losing everything.

  • What rate will my premiums run?
    A quote will be established and then, after everything is set into place, an insurance agency will send you rates with different coverage options. Rates vary depending state to state and whether these are high risk or require long term coverage for a business, network of offices, even national needs can be covered.

  • What property is covered?
    Be clear about the property that is being covered and what it entails. Different elements, such as water or fire, produce a higher risk for certain properties. Liabilities may spike your ratings, so any specialty needs to be addressed.

  • Do you have certification?
    Asking if all the titles are in place for homeowners, as well as automobile owners can affect both liability and management of the insurance plan.

  • Can I get a cheaper premium?
    Most of the time cheaper insurance is available, but this effects how much the insurance company will make available incase your health declines and your medical bills sore, or you have an auto accident. This effects any kind of insurance for travelers, and commercial properties as well as unemployment.


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