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About Us

Franklin Goins Insurance Agency is a longstanding 3rd generation family-owned insurance business with a rich history that spans over seven decades. The agency was originally founded in 1949 by Franklin Goins, with a focus on providing fire insurance to farmers in the local community. This humble beginning marked the inception of a legacy that has continued to thrive and evolve.

In the mid-60s, Edward Goins joined his father, Franklin Goins, in the insurance industry, laying the foundation for a successful career in the field. By 1970, Edward established his own insurance agency, Edward F. Goins, Jr., and Associates, and in 1972, the agency moved to its current location 600 East Main Street, Frankfort, KY. The family tradition continued in the mid-70s when Kenneth Goins joined his father’s agency Goins Insurance located downtown Frankfort next to what is now Hoggies Ice-cream.

In 1980, Edward and Kenneth joined forces, changing the name to Goins and Goins Insurance Agency, Inc. a testament to their commitment to serving their clients with excellence. Over the years, the agency faced various changes and challenges, including Edward’s son Frank’s departure in 2008 to become the Director of Property and Casualty at the Department of Insurance. However, in 2015, Frank returned to the insurance business, and in 2019, he acquired Goins and Goins Insurance and is operating under the DBA of Franklin Goins Insurance, as a heartfelt tribute to his grandfather and a celebration of the “generational blessings” that have enriched the agency’s history.

Today, Franklin Goins Insurance Agency continues to provide insurance solutions such as Auto, Home, Business Insurance, and Life insurance with the same dedication and family values that have defined its legacy since 1949.

An Independent Advantage

We are Independent Agents in Frankfort, Kentucky, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. Franklin Goins Insurance Agency represents a carefully selected group of financially strong, reputable insurance companies. Therefore, we are able to offer you the best coverage at the most competitive price.

What is an Independent Insurance Agent?

When you decide to buy a car, you wouldn’t purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn’t have a choice!

The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family’s financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, you wouldn’t have a choice. The only solution would be going to that one company.

With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision.

An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible.

When you buy insurance, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, because it’s up to you to make the final choice.

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Customer Reviews

Great people. Very good rates and quality service.

Brandon W

Very great place to get car insurance.

Carol B

Goins Insurance has been with my family for over fifty years.

Deborah M

Great coverage at a great price. Best customer service in town.

Charlie S

These folks really go the extra mile!

Will M