Hurst Home Insurance · Lexington, Kentucky
Serving our policyholders since 1891.
Financially sound protection for Kentucky homes and farms — from a mutual company owned entirely by the people it insures.
A mutual company
Owned by our policyholders, not by shareholders
Hurst Home Insurance prides itself on providing financially sound insurance protection at the lowest cost possible to its members. Rates are stable and often go years without being increased. Because we are organized as a mutual company, we are owned entirely by our policyholders — any profits are retained for the benefit of the members or may reduce future premiums.
What we insure
Our products
Homes
Owner-occupied homes, rental homes and modular dwellings — written on an Actual Cash Value basis, so you never pay to over-insure.
Farms
Farm buildings, blanket coverage for farming implements, livestock against specified perils — and housed tobacco until it’s sold.
Liability
Home and farm liability, available alongside your property coverage for complete peace of mind.
Pay your premium online
Have your policy number handy — payment takes about two minutes through our secure IMT payment portal.
Prefer the phone? Call (859) 233-0884 to pay by credit card.
Since 1891
Founded by farmers at the Carlisle courthouse
On July 13, 1891, a group of Kentucky farmers organized a mutual protection association to fight unfair claim practices and excessive premiums. More than 130 years later, we still work from the same office we built at 189 North Upper Street in Lexington — and we still answer our own phones.
A.M. Best Rating: A− (Excellent)
Talk to a real person
189 North Upper St. · P.O. Box 1580 · Lexington, KY 40588
Phone: (859) 233-0884 · Fax: (859) 388-9734 · [email protected]