Personal Insurance

We provide insurance for all your personal needs including homeowners insurance, auto insurance, and other coverages such as boat, theft, renters, and personal property. We specialize in helping individuals save money and time by packaging their insurance plans into one easy plan.

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Personal Insurance

  • Private Passenger Cars
  • Primary Homes
  • Pick-up Trucks & Vans
  • Fine Arts
  • Rental Dwellings
  • Personal Liability
  • Sport Utility Vehicle
  • Condominium Units
  • Furs
  • Tenant Property
  • Personal Computers
  • Medical Payments
  • Personal Property
  • Trailers
  • Snowmobiles
  • Silverware
  • Mobile Devices
  • Uninsured Motorists
  • Underinsured Motorists
  • Coins & Stamps
  • Antique Cars
  • Tools
  • Money & Securities
  • Replacement Cost on Home & Personal Property
  • Guns
  • Motor Homes/Trailer Homes
  • Home-Based Businesses
  • High-Performance Cars
  • All-Terrain Vehicles
  • Umbrella Liability
  • Musical Instruments
  • Boats & Yachts
  • Motorcycles
  • Seasonal & Secondary Homes
  • Personal Watercraft
  • Sewer Backup
  • Jewelry
  • Refrigerated Contents
  • Motorcycle Trailers & Sidecars
  • And Much More…


Policy Covers:

  • Cost to repair or rebuild your house
  • Your personal property
  • Increases in your living expenses while your home is uninhabitable after a covered loss
  • Your liability to others because of bodily injury or property damage arising out of your premises or the personal activities of you and your family
  • Medical expenses of guests injured at your home

Optional Coverage Package Endorsement includes:

  • Tree debris removal
  • Loss to refrigerated contents from power interruption
  • Liability coverage for libel, slander, false arrest or detention, invasion of privacy, and other forms of personal injury
  • Personal property against additional risk of physical loss, subject to certain exclusions
  • Loss of securities
  • Theft, misplacement, or loss of jewelry or furs
  • Theft, misplacement, or loss of firearms
  • Theft, misplacement, or loss of silverware
  • Loss from theft of credit cards
  • Door lock replacement
  • Recharge of fire extinguishers
  • Arson reward of $1,000
  • Waterbed liability
  • Damage to property of others

In addition to primary residences, specialized coverage is available for:

  • Seasonal & Secondary Homes
  • Condominium units
  • Tenants


Optional coverages:

Lease/Loan Payoff

  • Covers the gap that may exist between the amount owed under a lease or loan and the actual cash value of the car in the event of a total loss

Replacement Cost Coverage

  • If your car is totally destroyed in a covered loss, we will replace it with a brand new car
  • Partial losses are guaranteed to be repaired with brand new parts


  • Multi-Car
  • Good Student/Graduate
  • More Cars Than Drivers
  • Safe Driver
  • Auto / Home (Multiple policy)
  • Telematic Tracking
We have found Russ and Lynda Flynn to be trusted partners.

D.H., customer since 2006

Our company appreciates knowing that the Flynns are knowledgeable, skilled and experienced.

S.B., customer since 2015

We would never consider any other agency for our insurance needs.

M.G., customer since 2000

I am very grateful for having a great insurance company, but even more so for having an awesome insurance agent.

R.M., customer since 2006

It’s very comforting to know for certain that my insurance agent is always looking out for my best interests and is always on the job.

B.P., customer since 2016

It's nice to know people in the insurance business who go the extra mile for you. They always put your needs first!

R.H., customer since 1996

I appreciate Henneberger Flynn's personal attention to detail through personal contact with reminders regarding policies, premiums, or other issues.

P.L., customer since 2011

Henneberger Flynn is always there when we need advice. It's nice to have a knowledgeable agent who cares about her clients.

M.K., customer since 2013

Henneberger Flynn will always have my business and I don't say that lightly!

J.J., customer since 2008

We moved out of the Paducah area but stayed with Henneberger Flynn Insurance because of their great service.

M.L., customer since 2010

Henneberger Flynn is always very receptive and responsive to questions.

R.J., customer since 2015