Insurance Agency Serving Georgetown, KY | Summit Insurance Group

An independent, veteran-owned agency based in Lexington — serving Georgetown and Scott County clients with multi-carrier comparison shopping and direct access to the same agent every time.
Black silhouette of a shoe or boot on a white background

Georgetown Is Growing — Your Coverage Should Keep Up

Georgetown is one of Kentucky's fastest-growing communities, and with that growth comes real demand for reliable home and auto coverage from people who just bought their first home, relocated for work, or are building a life in Scott County for the first time.


New residential construction has expanded rapidly along US-62, KY-32, and the corridors north of Lexington connecting Georgetown to the rest of Central Kentucky. That growth brings first-time homebuyers who need to understand their coverage options before closing day, as well as established residents whose policies may no longer reflect their current home value, income, or family situation.


Georgetown is also home to Toyota Motor Manufacturing Kentucky — one of the largest automotive manufacturing plants in North America and a major Scott County employer. For Toyota employees and contractors building careers and households in the area, home, auto, and life insurance decisions matter as much as any other financial commitment you're making right now.


Summit Insurance Group serves Georgetown and Scott County clients from our Lexington office at 236 E Reynolds Rd, about 15 miles south on I-75. We handle everything by phone, email, or in-person appointment — you'll reach the same team every time.

Insurance Coverage We Offer to Georgetown, KY Clients

Summit is an independent agency. We compare options across 20+ top-rated carriers for every client in Georgetown and Scott County — which means you get a real market comparison, not a single carrier's best offer.

A black and white icon of a house on a white background.

Home Insurance in Georgetown, KY

For first-time homebuyers and established homeowners alike, we review your dwelling limits against actual reconstruction costs, not just your purchase price or assessed value. New construction in Scott County can be underinsured if coverage is set at market value without accounting for current labor and material costs. We also review wind, hail, and flood exposure for properties near Scott County's creek systems and low-lying areas.

A black and white silhouette of a delivery truck on a white background.

Car Insurance in Georgetown, KY

Georgetown residents commuting into Lexington, Louisville, or Frankfort put real miles on their vehicles. We compare car, truck, and motorcycle insurance rates across multiple carriers for Scott County drivers — and identify bundling combinations that lower both your auto and home premiums at the same time.

Black hand holding a heart with a medical cross icon above it

Life Insurance for Scott County Families

If you've recently bought a home in Georgetown, you've taken on the largest financial obligation most families carry. A term life policy matched to your mortgage balance and income replacement needs ensures your family keeps the home if something happens to you. We compare options across multiple carriers and walk first-time buyers through the numbers before they commit to a policy.

Black building icon with windows and a smaller attached building

Business Insurance for Georgetown Businesses

General liability, commercial property, workers' comp, and BOP coverage for small businesses and contractors in Scott County. Georgetown's growth has brought new retail, service, and construction businesses to the area — each with coverage needs specific to their operations.

Black first aid kit icon with a white cross on the front

Medicare Supplement Plans for Georgetown Residents

Plan G, Plan N, and High-Deductible G compared across carriers for Scott County seniors. We explain the Kentucky Birthday Rule and what it means for your ability to switch carriers annually without underwriting.

Black bus icon with windows and wheels, facing right

Toy Insurance in Georgetown, KY

ATV, boat, RV, and specialty vehicle coverage for Scott County residents. Recreational vehicles need dedicated policies — we make it quick.

First Home in Georgetown? Here's Where to Start on Insurance

Closing day has enough moving parts. Insurance shouldn't be one of the things you're figuring out the night before.


Your lender will require a homeowners policy before you close. What they won't tell you is whether that policy is actually sufficient for your home's reconstruction cost, whether your personal property limits make sense for what you own, or whether a bundled home and auto policy from the right carrier would save you money on both.


We work with first-time homebuyers in Georgetown and Scott County on a regular basis. A quote from Summit means a comparison across multiple carriers, a clear explanation of what you're buying, and a policy in place before your closing date.

Why Georgetown Clients Work with an Independent Agent

A captive agent — State Farm, Allstate, Nationwide — works for one company and can only offer that company's products. Summit works across 20+ carriers and compares options every time we quote, as part of our independent insurance serving Lexington, KY and the surrounding region. The result is that you see what the market actually offers, not what one company is motivated to sell you.


For Georgetown residents who've seen their premiums increase at renewal without a clear explanation, that comparison often surfaces real alternatives. We've helped clients identify savings of $750 to $1,200 by switching to coverage better matched to their situation. A market comparison costs you nothing.

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 Georgetown, KY

  • Does Summit Insurance Group serve Georgetown and Scott County?

    Yes. We serve Scott County clients from our Lexington office at 236 E Reynolds Rd, about 15 miles south of Georgetown on I-75. Everything is handled by phone, email, or in-person appointment in Lexington — there is no physical office in Georgetown, but the same team handles your policy from quote through renewal.

  • I just bought a home in Georgetown. How quickly can I get coverage?

    In most cases, we can turn around quotes from multiple carriers within one business day. If you have a closing date coming up, call us at (859) 479-1234 and let us know your timeline. We've handled same-week closings for Georgetown homebuyers before and will move at the pace your closing requires.

  • How much home insurance do I need as a first-time buyer in Georgetown?

    Your lender sets a minimum, but that minimum is based on your loan balance — not on what it would actually cost to rebuild your home. We review reconstruction cost estimates as part of the quoting process and make sure your dwelling coverage reflects current labor and material costs in Scott County, not just the number that satisfies your lender.

  • Can I bundle home and auto insurance in Georgetown, KY?

    Yes. Most carriers offer meaningful discounts when you carry both home and auto coverage together. As an independent agency, we identify which carrier offers the best combined rate for your specific home and vehicle combination and compare it against what you're paying now separately.

  • I work at Toyota in Georgetown. Do I need additional personal insurance beyond my employer benefits?

    Employer benefits cover you at work. Home, auto, and life insurance are personal lines that your employer plan doesn't address. If you've recently bought a home in Georgetown or have dependents relying on your income, it's worth a review to make sure your personal coverage is matched to where you are in life — not where you were when you first set it up.

Get an Insurance Quote for Georgetown, KY

Summit Insurance Group serves Georgetown and Scott County from our Lexington office. We compare home, auto, life, and business coverage across 20+ carriers — and we're available by phone, email, or in person.