Insurance Agency Serving Frankfort, KY | Summit Insurance Group
An independent, veteran-owned agency based in Lexington — serving Frankfort and Franklin County clients with the same multi-carrier comparison and personal service we bring to every relationship.
Serving Frankfort and Franklin County from Lexington
Frankfort sits about 25 miles west of Lexington along US-60 and I-64 — close enough that our team handles Frankfort clients regularly and knows the Franklin County market well. We serve clients throughout Frankfort and the surrounding county from our Lexington office at 236 E Reynolds Rd. There's no local office in Frankfort, but there is a local agent: one who answers the phone, knows your policy, and can meet you in Lexington when you need face-to-face service.
Frankfort is Kentucky's state capital, and a significant portion of its working population is employed by state government agencies or contractors serving those agencies. That employment profile creates specific insurance considerations that a general policy review can easily miss — and that are worth addressing before a gap becomes a problem.
Insurance Considerations for Frankfort's State Government Employees
Kentucky state employees receive a benefits package that includes health coverage and some life insurance. For many employees, that package is a strong foundation. For others — particularly those with mortgages, dependents, significant debt, or household income that exceeds what the state plan would replace — there are gaps worth knowing about.
A few areas worth reviewing if you're a state employee or contractor in Franklin County:
- Life insurance: State employee group life coverage is typically limited to a multiple of your annual salary. If you carry a mortgage, have children, or have financial obligations that would outlast your coverage, supplemental private term life insurance is worth comparing.
- Personal lines: Home, auto, and renters insurance aren't covered by your employer plan. As an independent agency, we compare carriers to find the right coverage at a competitive rate on home and auto — including bundles that lower your premium on both simultaneously.
- Supplemental health and Medicare: For state employees approaching retirement or Medicare eligibility, the transition from employer coverage to Medicare and a supplement plan is a decision point where independent guidance makes a real difference.
We review the full picture — not just the piece you called about.
Insurance Coverage We Offer to Frankfort, KY Clients
Summit is an independent agency, which means we're not tied to any single carrier. We compare options across 20+ top-rated companies for every client — whether you're insuring a home in the Bellepoint neighborhood, a vehicle on US-60, or a small business operating in Franklin County.
Home Insurance in Frankfort, KY
Coverage for homeowners, renters, and condo owners in Franklin County. We review your dwelling limits, personal property coverage, and flood exposure — Franklin County has low-lying areas along the Kentucky River and Elkhorn Creek where standard policies leave meaningful gaps.
Auto Insurance in Frankfort, KY
We compare car, truck, and motorcycle insurance rates across multiple carriers for Frankfort-area drivers. If you haven't compared rates recently, you may be paying a loyalty premium to a carrier who hasn't earned it.
Business Insurance for Frankfort, KY Businesses
General liability, commercial property, workers' comp, and BOP coverage for small businesses and contractors operating in and around Frankfort. State contractors and small businesses serving government agencies have specific liability exposures worth reviewing.
Life Insurance for Franklin County Families
Term and whole life options compared across carriers. For state employees supplementing an employer plan, term life is typically the most cost-effective way to close the gap between your group coverage and your family's actual financial exposure.
Group Health Insurance for Frankfort Businesses
Employee health benefits for small businesses and contractors in Franklin County who want to offer competitive coverage without navigating it alone.
Medicare Supplement Plans for Frankfort Residents
Plan G, Plan N, and High-Deductible G options compared across carriers. State employees transitioning from employer coverage to Medicare benefit from an independent agent who can explain the trade-offs without a carrier agenda.
Why Frankfort Clients Choose an Independent Agent Over a Captive One
When you call a State Farm or Allstate agent, you get one company's rate. When you call Summit, we run your profile across 20+ carriers and bring you the options worth considering. That comparison costs you nothing. What it often costs your current carrier is your business.
Our clients have identified savings of $750 to $1,200 by switching to coverage better matched to their situation. That kind of gap doesn't show up until someone shops the market — which is exactly what we do for every client who calls.
We're based in Lexington and close to Frankfort, offering
independent insurance serving Lexington, KY and the surrounding area. Same-day callbacks. Direct line to the agent who knows your file.
This insurance company has helped me out so much and they are right on it when you call. They even call back real quick if you leave a message! A big thank you to Amy Price my agent she is the best!!
Pamela Haynes
After our insurer decided to raise our rates to incredibly high rates for no reason other than “inflation”….we reached out to Cameron at Summit Insurance company to help us find better rates. Summit and Cameron searched for the best rates for us and our cars through several different companies and found the best rates for us!! Saves us over $750 per year!!! Easy to talk to via email, text, and on the phone and made the whole process very easy!! Highly recommend them if you are looking to shop for insurance!!
Shawn Moberly
The team at Steve's office were great when helping with the after math of the storms in 2023
Dan Stormking
When I originally checked out Summit Insurance, Steve and his team were able to save me over $1200.00. When my mother passed away, I was in need of renter's insurance and would not have thought twice. I called the office and they took great care of me. I recommend Summit Insurance to everyone I know.
Michelle Stevens
Common Questions About Insurance in Frankfort, KY
Does Summit Insurance Group have an office in Frankfort?
Our office is located in Lexington at 236 E Reynolds Rd, Suite C2 — about 25 miles from Frankfort. We serve Franklin County clients by phone, email, and in person at our Lexington office. Most clients handle everything remotely, but in-person meetings are available.
Can I bundle home and auto insurance as a Frankfort resident?
Yes. Most carriers offer meaningful multi-policy discounts when you carry both home and auto coverage with the same company. As an independent agency, we identify which carrier offers the best bundled rate for your specific combination and compare it against what you're paying now separately.
Do state employees in Frankfort need additional life insurance?
It depends on your specific coverage and your financial obligations. State group life plans typically cover a limited multiple of your salary. If you have a mortgage, dependents, or income your household depends on, that coverage may not be sufficient. We review your existing plan against your actual exposure and recommend supplemental coverage only when it's genuinely warranted.
Is an independent insurance agent better than going directly to a company?
An independent agent compares options across multiple carriers on your behalf, which a captive agent cannot do. For clients who haven't compared rates recently or who have had life changes — new home, new vehicle, retirement approaching — an independent review often surfaces better coverage at a lower price than the current policy.
Get an Insurance Quote for Frankfort, KY
Summit Insurance Group serves Frankfort and Franklin County from our Lexington office. We compare home, auto, business, life, and Medicare coverage across 20+ carriers — and we answer the phone when you call.
