Business Details
Lawton Insurance: Independent Insurance Experts for Kentucky Residents
Lawton Insurance has served Kentuckians since 1899 with unwavering commitment to personalized insurance solutions. Established by Clyde Allison Lawton Sr. in Central City, our fourth-generation family-owned agency combines century-old tradition with modern innovation. As an independent agency, we represent multiple top-rated carriers to provide comprehensive coverage options for homes, vehicles, businesses, and life insurance.Our locally-based agents prioritize client relationships over sales, offering tailored advice that reflects deep community understanding. We operate across Bowling Green, Owensboro, Central City, and Hartford, maintaining core values of honesty, trust, and respect that have earned us lasting customer loyalty. Progress drives our methods, but our foundational principles remain unchanged through generations of service.
Services
Auto Insurance
Home Insurance
Business Insurance
Life Insurance
RV Insurance
Boat Insurance
Commercial Insurance
Specialty Insurance
Employee Benefits
Policy Services
Highlights and features
- We have over 120 years of experience serving Kentucky families and businesses
- Our independent agency model provides access to multiple top-rated insurance carriers
- We prioritize client needs over sales with personalized insurance solutions
- Our locally-based agents offer tailored advice to each community
- We represent 1899-established family business values combined with modern innovation
Services
Auto Insurance
Lawton Insurance provides comprehensive auto insurance solutions tailored to individual driving needs. Our independent agency compares multiple carriers to find optimal protection at competitive rates. With coverage options for standard vehicles, specialty cars, and high-risk drivers, we ensure personalized solutions that adapt to changing life circumstances while maintaining affordability.
Business Insurance
Customized business insurance packages protect Kentucky enterprises of all sizes. We assess operations to recommend BOP policies, liability coverage, workers' compensation, and cyber protection. Our agency specializes in creating bundled solutions that safeguard physical assets, legal liability, and business continuity while ensuring compliance with state and federal regulations.
Home Insurance
Comprehensive home insurance options cover primary residences, vacation homes, and rental properties. Our agents help clients navigate coverage tiers for property damage, liability protection, and personal possessions. We offer specialized policies for unique housing situations including condos, manufactured homes, and historic properties throughout Kentucky's diverse communities.
Life Insurance
We help clients establish financial protection for loved ones through term and permanent life insurance policies. Our approach considers family needs, debt obligations, and future planning. We provide policy analysis to ensure appropriate coverage amounts and assist with policy reviews to maintain relevance through life's changing circumstances.
Specialty Insurance
Tailored insurance solutions for unique assets including recreational vehicles, boats, motorcycles, and specialty equipment. Our agency creates customized policies that address specific risks associated with leisure vehicles and hobby-related property. We offer bundling opportunities to maximize discounts while maintaining comprehensive protection for clients' valuable assets.
People
Ross Richey
Current Owner
Fourth-generation steward of Lawton Insurance, Ross Richey upholds the agency's 1899-established values while integrating modern innovations. With deep Kentucky roots and extensive insurance expertise, he leads a client-focused team dedicated to providing personalized solutions across multiple coverage areas.
Questions
How do I get an insurance quote?
Visit our website quote center or contact any of our four Kentucky offices to speak with licensed agents who'll help complete detailed forms for accurate coverage comparisons.
What insurance services do you offer?
We provide auto, home, life, business, and specialty insurance including coverage for boats, RVs, and motorcycles to individuals and businesses across Kentucky.
Do you handle commercial insurance?
Yes, our business insurance specialists create customized packages including BOP policies, liability coverage, workers' compensation, and cyber liability for Kentucky enterprises.
Are payment plans available?
Payment options vary by carrier. Contact our office staff who'll explain specific payment terms and available installment plans for your selected policy.
Which areas do you service?
We serve clients statewide from our four Kentucky locations in Bowling Green, Owensboro, Central City, and Hartford with local knowledge of regional insurance needs.
How do policy changes work?
Submit commercial or personal policy change requests through our website portal or contact your local office to speak with an agent about modifying coverage details.
