Sharp Insurance & Financial Services

Personal Lines Insurance

At Sharp Insurance & Financial Services, we provide personal insurance solutions for families across the Tri-State. Whether you’re in Ashland, Russell, Flatwoods, Ironton, Huntington, or surrounding areas, our local team understands the unique needs of homeowners and drivers in our community. From protecting your home and car to covering rentals, valuables, and recreational vehicles, we make it simple to find affordable coverage with the right protection—all across KY, OH, and WV

Home Insurance

Your home is one of your biggest investments—protect it with the right coverage. At Sharp Insurance & Financial Services, we help homeowners in Kentucky, Ohio, and West Virginia find affordable policies that safeguard against storms, fire, theft, and more.

Auto Insurance

Stay protected on the road with coverage that fits your needs and budget. At Sharp Insurance & Financial Services, we help drivers across Kentucky, Ohio, and West Virginia find affordable auto insurance with reliable protection for accidents, liability, and more.

Umbrella Insurance

Get extra peace of mind with added liability protection beyond your home and auto policies. At Sharp Insurance & Financial Services, we provide affordable umbrella insurance for families across Kentucky, Ohio, and West Virginia, helping you safeguard your future from unexpected costs.

Recreational Insurance

Protect your fun and your freedom with coverage for the things you enjoy most. From motorcycles and ATVs to boats, campers, and RVs, Sharp Insurance & Financial Services helps you stay safe on every adventure across Kentucky, Ohio, and West Virginia.

Renters Insurance

Even if you don’t own your home, your belongings deserve protection. At Sharp Insurance & Financial Services, we help renters across Kentucky, Ohio, and West Virginia find affordable coverage for personal property, liability, and peace of mind.

Rental Property Insurance

Protect your rental properties and your investment with the right coverage. At Sharp Insurance & Financial Services, we provide insurance solutions for landlords across Kentucky, Ohio, and West Virginia, covering property damage, liability, and lost rental income so you can rent with confidence.

Flood Insurance

Standard home insurance doesn’t cover flood damage—leaving many families unprotected. At Sharp Insurance & Financial Services, we help homeowners across Kentucky, Ohio, and West Virginia secure affordable flood insurance to protect against rising water, storm surges, and Ohio River flooding.

Mobile & Manufactured Home Insurance

Protect your manufactured or mobile home with coverage designed for your lifestyle. At Sharp Insurance & Financial Services, we provide policies for mobile homes across Kentucky, Ohio, and West Virginia, covering your home, belongings, and liability at an affordable rate.

Classic & Antique Car Insurance

Your collector car deserves more than standard auto coverage. We partner with top carriers, including Hagerty, to provide specialized classic and antique car insurance for drivers across KY, OH, and WV, ensuring your prized vehicle is protected on and off the road.

Condo Insurance

Protect your condo and everything inside it with coverage tailored to your needs. At Sharp Insurance & Financial Services, we help condo owners across Kentucky, Ohio, and West Virginia find affordable policies that cover personal property, liability, and interior unit upgrades not protected by your HOA.