Agency website
About us
Your Premium, Our Promise
Established in 2013, the Downs Insurance Agency, is a locally owned and operated, Independent Insurance Agency. Our friendly team offers all lines of insurance. Our mission is to find you the best possible service, price, and advice-- for protecting your family, and assets. We are family owned and operated. Bethany and Tommy Downs founded the agency together, and have gathered a staff of well trained and educated insurance experts. We would love the opportunity to discuss your insurance needs, and do a risk analysis. Contact us today to schedule an appointment in person at our office, or the location of your choice. We are happy to come to your home, or business, and you are welcome to come to ours. Our relationships with the people we serve are the foundation of what we do.
What our clients are saying
"Tommy and Bethany and their staff is amazing! They saved me a TON of money!!"
"I absolutely love the people, customer service how much they care about me and my family. How easy it is to get anything taken care of. I highly recommend."
"Rates are great, but service is exceptional. Downs Agency has been quick to answer any questions and is very responsive when help is needed. I have had two claims since I've been insured through Erie and they have been very fair with their settlement offers. Highly recommend."
"The Downs Agency has exceeded our expectations in every way possible. We recently had an accident and never having one, we took the vehicle to a body shop that didn't do the best at repairing the car. After that, we had to use a dealership and they were very helpful in every way possible. The adjuster was amazing as well."
"Great people who want to make sure you pay the lowest insurance premiums available. They are always so willing to talk and help in any way they can."
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Personal and Commercial Lines insurance professionals
Ask me about these types of insurance...
Having the right car insurance is so important, even more important is understanding all the ins and outs of your coverage to help protect you.
Request an automobile insurance quoteAn independent insurance agent will make sure that your business is covered in the event of a catastrophe or sudden loss.
Request a business insurance quoteGet multiple quotes on your homeowners insurance with one phone call. Let an independent agent shop for you.
Request a homeowners insurance quoteIf a data breach does happen, it's a wise decision to have a cyber liability insurance policy to help your company stay secure.
Request a cyber liability quoteAn independent insurance agent will walk you through top umbrella policy options to make sure you have the proper coverage to tackle above and beyond claims.
Request an umbrella insurance quoteRestaurant insurance is a combo platter of coverage that protects your customers, employees, property and inventory.
Request a restaurant insurance quoteWhy choose The Downs Agency LLC
States we serve
- Kentucky
Our insurance coverages
Personal insurance coverage
- ATV
- Automobile
- Boat
- Builders Risk / Construction
- Collectible Auto
- Condo
- Earthquake
- Farm
- Flood
- Home
- Landlord
- Mobile Home
- Motorcycle
- Other
- Personal Watercraft
- RV / Motorhome
- Renters
- Special Event
- Travel Trailer
- Umbrella
- Vacant Land
- Valuable Items
Business insurance coverage
- Bonds
- Builders Risk
- Business Owners Package (BOP)
- Business Vehicle
- Contractors Equipment
- Cyber Liability
- Directors & Officers
- Employment Practices Liability
- General Liability
- Inland Marine
- Other
- Professional Liability
- Property
- Umbrella / Excess
- Workers' Compensation
Life & Annuties coverage
- Annuities
- Life
Industries we serve
- Accommodation and Food Services
- Administrative and Support and Waste Management and Remediation Services
- Agriculture, Forestry, Fishing and Hunting
- Arts, Entertainment, and Recreation
- Construction
- Educational Services
- Finance and Insurance
- Health Care and Social Assistance
- Information
- Management of Companies and Enterprises
- Manufacturing - Food / Beverage / Textiles / Apparel / Leather
- Manufacturing - Metal / Machinery / Computer / Electrical / Transportation / Furniture
- Manufacturing - Wood / Paper / Paper / Mining / Plastics
- Mining, Quarrying, and Oil and Gas Extraction
- Other Services (except Public Administration)
- Professional, Scientific, and Technical Services
- Public Administration
- Real Estate and Rental and Leasing
- Retail - Sporting Goods / Hobby / Music / General / Misc.
- Retail - Vehicle / Home / Furniture / Building / Garden / Food / Health / Gas / Clothing
- Transportation - Air / Rail / Water / Truck / Transit / Ground / Pipeline / Scenic
- Transportation and Warehousing
- Utilities
- Wholesale Trade
Recommended insurance company partners
Other companies we work with:
Dairyland Insurance Company, Erie Insurance Company, Hagerty, Mutual of Omaha, TrexisThe Downs Agency LLC Team
The Downs Agency LLC Reviews
Customer Reviews
Tommy and Bethany and their staff is amazing! They saved me a TON of money!!
I absolutely love the people, customer service how much they care about me and my family. How easy it is to get anything taken care of. I highly recommend.
Rates are great, but service is exceptional. Downs Agency has been quick to answer any questions and is very responsive when help is needed. I have had two claims since I've been insured through Erie and they have been very fair with their settlement offers. Highly recommend.
The Downs Agency has exceeded our expectations in every way possible. We recently had an accident and never having one, we took the vehicle to a body shop that didn't do the best at repairing the car. After that, we had to use a dealership and they were very helpful in every way possible. The adjuster was amazing as well.
Great people who want to make sure you pay the lowest insurance premiums available. They are always so willing to talk and help in any way they can.
