Insurance for the Grayson Lake Area & Surrounding Communities
Coverage built for rural living, recreation, and small-town families in Eastern Kentucky.

United Agency of Kentucky serves residents and property owners throughout the Grayson Lake region with insurance that reflects both everyday life and weekend recreation.
Serving Grayson Lake & Nearby Communities
Cave Run Lake is more than a destination-it's a community. From year-round homeowners in Morehead and Rowan County to seasonal property owners near the lake and surrounding hollows, insurance needs here are often a mix of everyday living and recreational exposure.
We regularly work with clients in and around:
Grayson and Carter County
Olive Hill
Sandy Hook and parts of Elliott County
Coverage needs here are often shaped by rural distances, multiple vehicles, and recreational equipment.
Coverages That Matter Here
Auto Insurance & Rural Driving Exposure
Protection for longer commutes, backroads, and higher wildlife collision risk.
Home & Property Insurance
Coverage for homes, mobile homes, and rural property outside town centers.
Boat & Recreational Vehicle Insurance
Insurance for boats, ATVs, and other recreational vehicles commonly used around the lake.
Umbrella Liability Insurance
Extra liability limits for households with multiple vehicles, guests, or recreational activities.
Local Risks & Considerations
Common concerns in the Grayson Lake area include:
Seasonal traffic during peak recreation months
Properties located far from town services
Multiple drivers, vehicles, and equipment on one policy
We help adjust coverage to match these realities.
How United Agency Helps
Local knowledge of Eastern Kentucky communities
Independent carrier shopping for better options
Clear explanations without insurance jargon
Ongoing policy reviews as needs change
Communities We Serve
Carter County
Elliott County
Grayson, Olive Hill, Sandy Hook, and surrounding areas
Get Coverage That Fits Life Around Grayson Lake
Whether you're insuring a home, vehicle, or recreational equipment, we'll help you get it right the first time.
