Personal insurance Rates

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Auto Insurance

All Kentucky drivers are required by law to carry auto insurance. Residents of Hebron, Burlington and Petersburg are constantly assaulted by ads for cut-rate coverage. How can you choose the best option? A local insurance agency like Joe Spalding Insurance can help.

We work with a variety of insurance carriers, so we can shop around for you. This way, we can help you find a better value for your insurance premiums. In addition to liability insurance, which is legally required in Kentucky, we offer optional car insurance protection for less than you might expect.

No one plans to have an accident, but when one happens, you need to get back on the road as efficiently as possible. Get started today with a free online quote.

Homeowner Insurance

Most homeowners are required by mortgage companies to carry homeowners insurance. However, protecting your home is more than a requirement. Your home is the center of your life. You spend time there making memories with family and friends. You probably keep most of your possessions there as well. Regardless of its size or value, your home needs to be a safe place where you can rest and relax.

As an independent insurance agency in Boone County, Joe Spalding Insurance works with several insurance carriers, and we can shop around to help you find an affordable homeowners policy that addresses your insurance needs. Your home is as unique as you are, so we offer a full range of customizable policy options.

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

Personal Insurance Options

Joe Spalding Insurance offers a full selection of personal insurance products for residents of Hebron, KY, and surrounding communities. In addition to auto and home insurance, we offer; Health insurance, Life insurance, Scheduled personal property coverage, Personal umbrella coverage, Boat insurance, Motorcycle insurance, RV and camper insurance, and Travel insurance

As an independent insurance agency, we are more flexible than direct agencies that only provide products through a single carrier. We partner with around 30 different insurance providers in order to find affordable prices and customizable coverage options for all our customers. This means that when life changes, you can turn to us for pricing comparisons and rate reviews without facing the hassle of switching insurance agencies.

Joe Spalding Insurance

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

Joe Spalding Insurance is a family owned and operated insurance agency serving Boone County Kentucky and the surrounding area. Our experienced local agents live and work in your community, and we understand your needs and concerns.

As an independent agency, we are free to keep your best interests in mind at all times—not the interests of a single, big insurance provider. We work directly with our customers in order to understand what matters most to you.


We only work with quality insurance companies.

Let us help you

Learn more about our agency

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