Most Kentucky homeowners are overpaying and underinsured
We often save our customers 30-50% a year on their insurance.
3 quick questions. No payment details.
- Free policy review - we compare 8+ carriers
- A local Ashland agent who picks up the phone
- No obligation to switch, ever
How it works
Three simple steps
- Step 1
Answer 3 quick questions
Tell us a little about your home. It takes less than a minute.
- Step 2
A licensed local agent calls you
One quick call with an Ashland agent to confirm the details of your home and coverage.
- Step 3
We review it and find a better rate
We compare your coverage across the 8+ carriers we represent and show you the gaps and the savings.
What our clients say
Rated 5 / 5 on Google
“Gave this new agency a chance after having the same insurance company for 20 years and they saved me a ton of money. Receiving the quote was an easy process and the agents have been great and quick to respond with any and all questions. Switching agencies was the right move. Give them a try.”
Stephanie Huff
“Mike and Montana are amazing at what they do. They are thorough, diligent, and very customer service friendly. I'm blessed to be insured by them and to be able to call them friends.”
Amanda Duelley
“I wish I could give more than 5 stars. The best business & best people. Truly always looking out for your best interest in all that they do. Couldn't recommend them more for any/all of your needs!!”
Shae Parde
Why it matters
Independent agent versus one carrier
A single carrier agent
- Can only offer the policies that one company sells.
- If that company raises rates, your choices are limited.
- Shopping around means starting over with someone new.
An independent agent
- Compares several carriers side by side for you.
- Works for you, not for one insurance company.
- Can shop your policy again at renewal without you starting over.
Our promise
What we will not do
No spam
You hear from us about your quote and nothing else.
No selling your data
Your information stays with our agency.
No pressure
If the numbers do not work for you, we will say so.
Plain language
Three terms worth knowing
- Deductible
- The amount you pay out of pocket on a claim before your insurance pays the rest. A higher deductible usually means a lower premium, and the reverse is also true.
- Dwelling coverage
- The part of your policy that pays to repair or rebuild the structure of your house itself, including the roof, walls and attached parts like a garage.
- Replacement cost
- Coverage that pays what it would cost to rebuild or replace something today, rather than what it was worth after age and wear are subtracted.
Who is behind this
Thoroughbred Agency Inc
Thoroughbred Agency Inc is an independent insurance agency based in Ashland, Kentucky. We are licensed in Kentucky, and we work with homeowners across the state who want a second set of eyes on their policy.
Because we are independent, we are not tied to a single company. Our job is to compare carriers, explain the differences in plain language, and help you choose what fits your home and your budget. Services include homeowners insurance, auto insurance, bundled home and auto, renewal rate reviews and ongoing policy servicing.
Thoroughbred Agency Inc
1152 E 16th St, Ashland, KY 41101
Phone: (606) 325-2491
Email: info@tbredagency.com
Hours: Monday to Friday, 9:00am to 5:00pm ET
By providing your phone number to Thoroughbred Agency Inc you agree to receive calls and text messages about your insurance quote and policy. Consent is not a condition of purchase. Message frequency varies and message and data rates may apply. Reply STOP to opt out or HELP for help. No mobile information is sold or shared with third parties or affiliates for marketing purposes. See our Privacy Policy and Terms of Use.