Personal Insurance in Morehead & Rowan County
From everyday driving to homeownership, rentals, and weekend adventures, personal insurance helps protect the life you've built. United Agency of Kentucky offers personalized coverage solutions for individuals and families across Morehead, Rowan County, and the I-64 corridor.
Ready to Get Started?
You can request a personal insurance quote online in just a few minutes. A local agent will review your information and follow up with options tailored to your needs.
Why do you ask for my declarations page?
Your declarations page (or "dec page") shows your current coverages, limits, and deductibles. It helps us compare apples to apples, identify gaps, and look for savings - without guessing or reducing important protection.
Personal Insurance Coverage Options
Auto Insurance
Protect cars, trucks, and multi-vehicle households driving Morehead streets, wooded backroads, and the I-64 corridor.
Homeowners Insurance
Coverage for houses in town, rural homes, and properties near Cave Run Lake - including dwelling, contents, and liability protection.
Renters Insurance
Affordable coverage for apartments, duplexes, and student rentals - protecting belongings and liability even when the building isn't yours.
Condo Insurance (HO-6)
Protection for condo and townhome owners, covering interior improvements, personal property, and loss assessments.
Life Insurance
Financial protection for your family's future, including term, whole life, and final expense options.
Motorcycle Insurance
Coverage for street bikes and cruisers used for commuting or weekend rides.
ATV / UTV Insurance
Protection for off-road vehicles commonly used on rural property and trails throughout Eastern Kentucky.
Boat Insurance
Coverage for fishing boats and recreational watercraft for lake days at Cave Run and beyond.
Umbrella Insurance
Extra liability protection that sits on top of auto and home policies for added peace of mind.
Vacation & Secondary Homes
Coverage for cabins, seasonal properties, and second homes throughout Kentucky.
A Simple, Local Approach to Personal Insurance
We Compare Options
As an independent agency, we shop multiple carriers to find the right balance of coverage and cost.
We Build Smart Bundles
Auto and home bundles often save money and simplify renewals with one agent and one review.
Trusted Local Guidance Since 1997
Independent agency representing multiple insurance carriers
Established in 1997 with deep Eastern Kentucky roots
Local knowledge of Rowan County lifestyles and risks
Personalized service - no call centers
Help with claims, changes, and annual reviews
Get Personal Insurance That Fits Your Life
Whether you're bundling auto and home, renting your first apartment, or protecting a growing family, we're here to help.
