Protect What Matters Most With a Team You Can Trust

Bringing you better insurance for less money is what we’re here for.

Meet Our TeamGet a Quote

Personal Insurance

Trusted advice and insurance solutions to protect what matters most.

Business Insurance

Coverage and risk management solutions for companies of all sizes.

Community First Insurance, Inc.

Learn more about our agency.

Trust. It’s what we strive to earn from each of our clients because we truly have their best interests at heart. In 1986, Community First Insurance, Inc. was founded upon the principles of honesty and integrity, and we continue to do everything we can to make sure we are an agency you can rely on when you need us the most. With our local office based in Winchester, KY, you can count on us to be the trustworthy insurance agency you deserve to have by your side.

When it comes down to it, insurance is more about what you need to protect than it is about the price of the policy. We understand what’s most important in your life, and we know how to safeguard it with customized coverage designed for your unique needs at affordable rates that fit your budget. We bridge the gap between finding that quality coverage while saving you money, so you can have the coverage that’s right for you without breaking the bank.

About Our Agency

Erie Insurance Logo

Community First Insurance, Inc. + Erie Insurance

We strive to uphold Erie Insurance’s long-standing commitment to service.

  • Erie Insurance Producer of the Year (2019)
  • Annual Insurance Advisor Awards
Start ERIE Quote
The Advantage of an Independent Agency Working for You
  • We represent multiple insurance companies.
  • We are licensed insurance advisors.
  • We are by your side every step of the way.
  • We offer a wide variety of insurance solutions.
  • We are there for you in your time of need.
Find Out How

A Team You Can Trust

Community First Insurance, Inc. was founded on honesty and integrity and is focused on earning your trust.

We Love Our Customers and Community
A Truly One-of-a-Kind Team
Proud to Be Involved in Our Community
Guiding Others in the Right Direction

Community First Insurance - Logo 800

Our Clients Rave About Us

Check out our reviews and see why you should switch to Community First Insurance, Inc.

Read More Reviews
Read Our Google Reviews
Read Our Facebook Reviews

Real clients. Real reviews. Real coverage.

Interactive Graphic

Click it. Read it. Cover it.

Get a glimpse of the risks you face and how your insurance can protect what matters most.

Bodily Injury Liability Coverage
Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.


Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage
Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.


The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Medical Payments Coverage and Personal Injury Protection
Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.


Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.

Uninsured / Underinsured Motorist Damage Coverage
Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.


Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage
Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.


Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Rental Coverage / Loss of Use
Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.


Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

Auto Insurance 101

Make sure you cover the unique risks you face with auto insurance.

  • Click on the hotspots.
  • Discover your risks.
  • Get the right coverage.
Not what you’re looking for?

Find even more interactive graphics for home insurance and life insurance.

Serving Winchester, KY and Beyond

We are proud to serve clients locally in Winchester, KY and Mt. Sterling, KY, as well as Fayette, Clark, Bourbon, and Madison Counties across Kentucky.

  Contact Community First Insurance, Inc.

As an independent agency, we are here to help you find the right coverage.

  • This field is for validation purposes and should be left unchanged.

Winchester, KY

103 N. Maple Street
Winchester, KY 40391

Contact Us