Business Details
50+ Years
experience
Emergency
services
Your Trusted Insurance Partner in Paducah, KY
Hibbs Insurance has served individuals and businesses in our community for over 60 years. Founded in 1960 by Ernest R. Hibbs, our family-owned agency now operates under the leadership of Michael O. Hibbs, who brings over 45 years of industry expertise. We specialize in providing personalized insurance solutions, including auto, home, life, health, and commercial coverage, tailored to meet the unique needs of each client.Our team of licensed professionals prioritizes fast, fair claims processing and competitive pricing through partnerships with multiple insurers. With deep roots in Paducah, KY, we combine local market knowledge with a commitment to community service, ensuring our clients receive both comprehensive protection and exceptional customer care.
Services
Auto Insurance
Home Insurance
Life Insurance
Commercial Insurance
Health Insurance
Details
- Year established: 1960
Highlights and features
- We offer over 60 years of experience in personalized insurance solutions.
- Our team provides 24/7 claims support for emergency situations.
- We compare policies from multiple insurers to ensure competitive pricing.
- Our agents specialize in local market risks and coverage needs.
- We prioritize transparent communication and tailored policy recommendations.
What people say
Responsive to questions
Quick policy updates
Personal service
Trustworthy advisors
Saved money on coverage
Services
Auto Insurance
Hibbs Insurance provides comprehensive auto insurance policies protecting vehicles against accidents, theft, and natural disasters. Our coverage includes liability protection, collision and comprehensive coverage, and rental reimbursement options. We serve personal and commercial clients in Kentucky, Illinois, and Tennessee, offering tailored policies to meet state requirements and individual needs while ensuring competitive pricing and dedicated claims support.
Home Insurance
Our home insurance policies safeguard residences against damage from fires, storms, and other covered events. Coverage includes dwelling protection, personal property replacement, liability coverage, and additional living expenses during repairs. We specialize in policies for houses, apartments, and condominiums across Western Kentucky, Southern Illinois, and Northwestern Tennessee, with expert guidance on replacement value calculations and scheduled personal property coverage.
Life Insurance
Hibbs Insurance offers term, whole, and universal life insurance policies to secure families' financial futures. Our solutions provide tax-free death benefits for funeral expenses, debt repayment, and estate planning, along with living benefits through cash value accumulation. We help clients determine appropriate coverage amounts using personalized calculators and offer flexible premium options to align with long-term financial goals.
Commercial Insurance
We provide tailored commercial insurance packages including general liability, property coverage, workers' compensation, and business owners policies (BOP). Our services include risk assessment, loss prevention programs, and specialized coverage for equipment, inventory, and liability extensions. We serve small to medium-sized businesses in diverse industries, offering competitive rates through partnerships with insurers specializing in business risk management.
Claims Assistance
Our agency offers dedicated claims assistance with 24/7 emergency support for urgent situations. We guide clients through property and auto claims processes, coordinate adjuster appointments, and provide inventory management resources. For auto claims, we arrange vehicle inspections, rental replacements, and body shop referrals while maintaining transparent communication throughout the settlement process.
People
Michael O. Hibbs
President, Agent
With over 45 years in insurance, Michael leads Hibbs Insurance as President. He specializes in commercial policies and emphasizes honesty, client advocacy, and insurer independence to ensure optimal coverage solutions for businesses.
Jeffrey A. Baumgardner
Agent, Claims Specialist
Jeffrey has 30+ years of claims expertise, managing client claims and serving as Commercial Lines CSR. His deep institutional knowledge ensures efficient resolution of complex insurance issues for Hibbs policyholders.
Jason M. Hibbs
Vice President, Agent
Jason brings 22 years of experience and financial oversight expertise to Hibbs Insurance. He focuses on delivering comprehensive insurance solutions while maintaining the agency's commitment to personalized service and community values.
Jennifer Sarten
Personal Lines CSR, Agent
Jennifer has 17 years of client service experience, combining a caring approach with property-casualty licensing expertise to address personal insurance needs efficiently and compassionately.
Jennifer Lamphere
Vice President, Agent
With 16 years as a property-casualty agent, Jennifer focuses on new marketing initiatives and client relationship development, leveraging her University of Kentucky marketing background to enhance service delivery.
Questions
How do I file an insurance claim with Hibbs Insurance?
Contact us directly at 270-554-2105 during business hours to file a claim. For emergencies after hours, use the contact information provided in your policy documents.
What areas does Hibbs Insurance serve?
We provide insurance services across Western Kentucky, Southern Illinois, and Northwestern Tennessee, with specialized knowledge of local risks and coverage requirements.
Can I update my policy online?
Yes, existing clients can request policy updates online through our secure forms, ensuring convenient management of your insurance coverage from any location.
What types of commercial insurance do you offer?
We provide general liability, property insurance, workers' compensation, business owners policies (BOP), and specialized coverage for equipment, inventory, and liability extensions.
How does Hibbs Insurance help save money on policies?
As an independent agency, we compare coverage options from multiple insurers to find the best combination of price, coverage, and service for your specific needs.
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