Personal insurance Rates

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Auto Insurance in Richmond and Lexington

If you reside in Kentucky, you are legally required to carry car insurance on your vehicle. This explains why you see so many internet ads for cheap Lexington car insurance or affordable auto coverage in Richmond. But where can you turn to find good prices and great customer service?

Gartman Insurance has been providing great local service since 1999, and we take the time to get to know our customers. Our experienced insurance agents live and work in your community. We understand your concerns, and we’d like the opportunity to help you shop for the right auto coverage.

By partnering with several top insurance carriers, we are able to shop around for you. We’ll look for discounts based on your situation and your insurance needs.

Kentucky Homeowner Insurance

Whether you are a first-time homebuyer or an established local resident without a mortgage, you need the protection of a homeowners policy. Your house is more than a significant financial investment. It’s the place you go to unwind after a long day, the place where you raise your children, the place where you entertain friends and family, the place you call “home.”

As an independent insurance agency serving Richmond and the surrounding area, Gartman Insurance understands that your home is as unique as you are. We don’t sell one-size-fits-all homeowners policies. Instead, we rely on an extensive network of insurance providers to help us find the right policy for each individual situation.

Our homeowners policies come with a variety of limits and deductible options. Most policies include medical treatment coverage for guests injured in the insured home as well as personal liability protection. Specialized coverage options include:

  • Landlord insurance
  • Vacation home coverage
  • Vacant home insurance
  • Flood and earthquake insurance
  • Scheduled personal property floaters
  • Extended limits and personal umbrella protection

Other Personal Insurance Options in Kentucky

Gartman Insurance is a full-service, independent insurance agency. That means, we can help you with all your personal insurance needs. Other insurance products available through our network of providers include; Health insurance, Life insurance, Scheduled personal property coverage, Personal umbrella coverage, Boat insurance, Motorcycle insurance, RV and camper insurance, and Travel insurance

Many of our customers qualify for multi-policy discounts by purchasing all their personal insurance products through a single carrier. Other customers benefit from the option to purchase policies from multiple carriers without switching insurance agencies. When life changes require changes in your insurance, you can turn to us for rate reviews and apples-to-apples comparisons across several different carriers.

About Gartman Insurance

Our experience is your asset - we're here for you.

As a family owned and operated business, Gartman Insurance enjoys the freedom of being an independent insurance agency. We partner with nearly 30 top-rated insurance carriers in order to find great solutions for each of our customers. Yet at our office, we know our customers by name.

We take the time to get to know each of our clients. With Gartman Insurance, you get the convenience of a local insurance agency with the purchasing power and stability of the large, national organizations. Our experienced agents will be happy to assist you with your needs.


We only work with quality insurance companies.

Let us help you

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Note: leave the Subject field blank if you are a real person. If this field is filled in, your request will be ignored. This helps us protect against automated form posts (spam).