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Your Well-Being Matters to Us!

Insurance isn’t so bad with The Hutch Agency.

Home Insurance

Home Insurance

Safeguard your home, from foundation to roof, against the elements.

Auto Insurance

Auto Insurance

Protection that travels with you on highways across the U.S.

life

Life Insurance

Protect what matters most with life insurance built for your needs.

Business

Commercial Insurance

Safeguard your business from the risks that are most significant.

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Coverage Types

Coverage for Every Part of Your Life

From your home and cars to your business and everything in between, we'll help you find protection that fits your needs, and your budget.

Personal Insurance

Protect your home, autos, and family with coverage built around your life and budget.

Commercial Insurance

From contractors to restaurants, we protect businesses of every size and industry.

Coverage Options

Find the Exact Protection You Need

Personal Insurance Includes:

Home Insurance

Home Insurance

Protect your house and everything in it from fire, theft, storms, and the unexpected moments in between.

Car

Auto Insurance

Stay covered on every drive with protection for your vehicle, your passengers, and your liability.

Life

Life Insurance

Give your loved ones lasting financial security with a policy built around your family's future.

Business Insurance Includes:

general liability

General Liability Insurance

Shield your business from third-party injury and property damage claims that could derail your growth.

Workers compensation

Workers’ Compensation

Take care of your team with coverage for medical costs and lost wages after a workplace injury.

Commercial Insurance

Commercial Property Insurance

Protect your building, equipment, and inventory from fire, theft, weather, and other covered losses.

Why choose us?

Caring People, Professional Advice Since 1995

The Hutch Agency was founded from scratch in Proctorville, Ohio, in 1995 and we've spent 30+ years proving insurance doesn't have to be boring or cutthroat. As an independent agency, we work for you, not the carriers, shopping multiple top-rated companies to find your best fit. With 15+ industry awards and 100+ five-star reviews across our two offices, you're in good hands.

Independence

Truly Independent

Unlike captive agencies tied to one carrier, we represent multiple top-rated companies and shop for you. No cookie-cutter policies or lowball coverage, just honest comparisons tailored to your best interests.

Care

Caring People

Insurance should include a caring team of real people. From our Proctorville and Lexington offices, we take the time to understand your risks and support you every step of the way, especially when you need us most.

Advice

Professional Advice

We never make a sale just for the sake of it. Our licensed advisors clarify every recommended coverage, ensuring you understand what you're paying for. With over 15 carrier awards, our expertise is evident.

Comparison Table

A Clearer Way to Compare Insurance Coverage

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Find Assistance for Your Insurance Needs

Need Help Right Now?

Most visitors start here when they need help after hours.

Get a Quote

Chat With Us

Chat With Us

Send Us a Message

Helpful Advice From Your Local Experts

Medicare coverage

Medicare Made Simple: Parts A, B, C, and D Explained

By The Hutch Agency • June 6, 2026
Understand Medicare's different parts and what they cover. Learn the differences between Parts A, B, C, and D to make informed healthcare decisions.
Home and Auto Insurance Bundle

Bundling Home and Auto: How Much Can You Really Save?

By The Hutch Agency • June 6, 2026
Discover how bundling home and auto insurance can save you money. Learn about multi-policy discounts, coverage benefits, and whether bundling is right for you.
Insurance Policy Documents Sign

Home Insurance 101: What Your Policy Really Covers

By The Hutch Agency • June 6, 2026
Understand what's actually covered in your homeowners policy. Learn about dwelling coverage, liability protection, and common exclusions to avoid surprises.

Frequently Asked Questions

Guidance for Informed Decisions

  • What types of insurance does The Hutch Agency offer?

    The Hutch Agency offers comprehensive personal and commercial insurance including auto, home, renters, life, umbrella, flood, business liability, workers' compensation, commercial property, and specialty coverage like boat, RV, cyber liability, and pet insurance.

  • How does working with an independent insurance agency benefit me?

    Independent agencies like The Hutch Agency represent multiple carriers instead of just one company. This means we compare rates and coverage from 15+ insurance providers to find you the best value, and we advocate for you during claims.

  • Can I get multiple insurance quotes from The Hutch Agency?

    Yes. As an independent agency, we shop your coverage across our entire network of 15+ carriers. You'll receive competitive quotes from multiple providers, allowing you to compare rates and coverage options side-by-side before making a decision.

  • Does The Hutch Agency help with claims?

    Absolutely. When you work with The Hutch Agency, you have a dedicated local advocate throughout the claims process. We help you file claims, communicate with carriers, and ensure you receive fair settlements quickly.

  • How quickly can I get an insurance quote?

    Most quotes are provided within 24 hours or less. For urgent needs, call us directly and we can often provide competitive quotes from multiple carriers during your first conversation.

Our Locations

Contact Your Local Office

Ohio Office

Address

121 Ferry Street, Proctorville, Ohio 45669, United States

Business Hours

Mon - Fri : 08:30 am - 04:00 pm

Contact

Kentucky Office

Address

121 Prosperous Place, #9B, Lexington, Kentucky 40509, United States

Business Hours

Mon - Fri : 08:30 am - 04:00 pm

Contact

No obligation · No sales pressure

Still Not Sure What Your Insurance Actually Covers?

You're not alone and you don't have to figure it out by yourself. Our team will review your needs, shop top carriers, and explain every recommendation in plain English. No pressure, no jargon, just professional advice from people who care.