United Agency of Kentucky

Local Insurance Agency in Morehead KY & Eastern Kentucky

Based in Morehead, we help families, farmers, and local businesses across Eastern Kentucky protect what matters most with coverage that fits real life.

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Built on Local Roots and Real Relationships

Since 1997, United Agency of Kentucky has been a neighbor you can count on in Morehead, Rowan County, and the surrounding Appalachian communities. As an independent insurance agent, we partner with multiple trusted carriers to match you with auto, home, farm, business, and life insurance that truly fits your needs. From the hills near Daniel Boone National Forest and Cave Run Lake to small towns like Campton, Jackson, Sandy Hook, Louisa, and Lexington, we understand the risks that come with rural roads, working land, and growing families. Life's too short to waste - get it right the first time with a local team that takes the time to listen.

Insurance Services for Home, Farm, and Business

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Auto Insurance

Protect your everyday vehicles, motorcycles, motorhomes, and classic cars with auto insurance tailored to Eastern Kentucky roads and weather. As an independent insurance agent, we compare coverage and pricing across multiple carriers to help you feel confident every time you drive.

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Home Insurance

Safeguard your home, belongings, and liability with homeowners insurance built for small-town and rural living in and around Morehead. From first-time buyers to long-time homeowners, we help you choose coverage that fits your property, lifestyle, and budget.

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Farm Insurance

From family farms to hobby operations, we understand the unique risks of Appalachian agriculture, outbuildings, livestock, and equipment. Our farm insurance options help protect both your property and your livelihood, so you can focus on the work at hand.

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Business Insurance

Local small business owners across Eastern Kentucky rely on us for commercial insurance that keeps operations running smoothly. We help you build the right mix of general liability, property, workers' compensation, and specialized coverages for your industry.

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Life Insurance

Life insurance is a simple way to protect the people who depend on you, whether you are just starting a family or planning ahead. We'll walk you through term and permanent options so you can make a clear, confident decision.

Your peace of mind matters to us more than any policy - our job is to make sure your coverage feels clear, complete, and comfortable.

Why Eastern Kentucky Clients Choose United Agency of Kentucky

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Independent and Client-First

As a fully independent insurance agency, we work for you - not for any one company. That means we can compare policies, prices, and options across multiple carriers to help you get it right the first time.

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Deep Rural and Farm Expertise

We understand the realities of Appalachian life, from farm property and barns to specialized vehicles and equipment. Our team knows how to structure coverage for working land, gravel drives, and back roads.

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Local, Neighborly Service

When you call or visit our Morehead office, you talk to real people who live and work in the same communities you do. We take the time to explain your options in plain language, so you never feel rushed or pressured.

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Coverage for Every Stage of Life

Whether you are buying a first home, adding teen drivers, starting a business, or protecting your legacy with life insurance, we can grow with you. One local team, many ways to protect what you've built.

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Efficient, Straightforward Process

Your time is valuable, and insurance shouldn't be confusing. Our motto, "Life's too short to waste - get it right the first time," guides how we quote, explain, and finalize your policies.

Serving Blue Ash & Greater Cincinnati

We're proud locals with deep roots in the Blue Ash community. Our agency has been recognized for performance and service, and we partner with leading carriers to bring competitive rates across the Tri-State. Whether you're in Blue Ash, Mason, West Chester, Loveland, Hyde Park, or Oakley, you'll work with a real person who picks up the phone and follows through.

How Our Simple Insurance Process Works

We keep the insurance process straightforward, so you always know what comes next. From your first quote request to signing your policy, our team guides you step by step with clear communication.

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Initial Conversation

We start with a quick conversation by phone, online, or in person at our Morehead office to learn about your vehicles, home, farm, business, or life insurance needs.

Coverage Review and Options

We review your current policies (if any) and gather a few details, then shop multiple carriers to find coverage options that fit your situation and budget.

Personalized Recommendations

We walk you through the choices in plain language, explaining what each policy covers and where it might leave gaps, so you can decide with confidence.

Finalize and Support

Once you choose the right coverage, we handle the paperwork and carrier setup, and we stay with you over time to answer questions, handle changes, and support you at claim time.

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Insights and Resources for Eastern Kentucky Policyholders

Stay informed with helpful tips, FAQs, and updates designed to make insurance feel less complicated and more manageable.

Teen Drivers in Kentucky: What Parents Should Know

Teen Drivers in Kentucky: What Parents Should Know

Preparing a teenager to get behind the wheel is a major milestone for any family. In Kentucky, where rural roads, changing weather conditions, and long drives between towns are common, helping a...
Read more
Life Insurance for Young Families and New Homebuyers

Life Insurance for Young Families and New Homebuyers

Building a life—whether welcoming a new child or buying your first home—comes with a mix of excitement, responsibility, and planning. One of the most important pieces of that plan is making sure...
Read more
Protecting Your Business from Lawsuits: Insurance Basics

Protecting Your Business from Lawsuits: Insurance Basics

Running a business in Eastern Kentucky comes with a lot of moving parts—managing customers, protecting your property, hiring employees, and keeping everything running smoothly. One lawsuit, even an...
Read more
Teen Drivers in Kentucky: What Parents Should Know

Teen Drivers in Kentucky: What Parents Should Know

Read more
Life Insurance for Young Families and New Homebuyers

Life Insurance for Young Families and New Homebuyers

Read more
Protecting Your Business from Lawsuits: Insurance Basics

Protecting Your Business from Lawsuits: Insurance Basics

Read more
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Why We Ask For Your Declarations Page (For New Customers)

  • What is a declarations page and where do I find it?

    Your declarations page is the one-page summary of your current insurance policy. It lists coverages, limits, deductibles, endorsements, and discounts. You can download it from your carrier’s online account, request it from your current agent, or snap a clear photo. Sharing this page helps Kyler-Moore Insurance understand your starting point without guesswork.

  • Why should I send my dec page before getting a quote?

    It lets us compare apples to apples so you see real savings at the same or better coverage. We catch gaps and extras you might not notice, like water backup or low liability limits. With the dec page, Kyler-Moore Insurance can re-shop more precisely across our carriers. That usually means faster quotes and fewer follow-up questions.

  • How does Kyler-Moore use my dec page to save me money?

    We map your current limits, deductibles, and endorsements against multiple insurers to find a better fit. If you are paying for coverages you do not need, we will flag them; if you are light on protection, we will show smart upgrades. Then we bundle where it makes sense to unlock discounts. You decide, and we lay out the tradeoffs clearly.

  • Is my information secure if I send a dec page?

    We only use your declarations page for the quoting and review process. Files are handled by our licensed team members and stored in our secure agency systems. We never sell your data or use it for unrelated marketing. If you prefer, you can redact sensitive numbers before sending and we will still get the insights we need.

  • What if I cannot find my dec page or it is out of date?

    No problem. We can start with basic details and request the page later, or contact your current carrier on your behalf. Even an older dec page helps us benchmark coverage while we confirm anything that changed. Kyler-Moore Insurance will guide you step by step so the process stays quick and simple.

Ready to Get Your Insurance Quote?

We're here to help drivers, homeowners, farmers, and business owners in Morehead, Rowan County, and Eastern Kentucky find coverage that fits their lives. Tell us a little about what you need, and our independent insurance team will get to work comparing options for you.