(606) 494-2240(606) 494-2240
Toll Free
(877) 567-2676(877) 567-2676
(606) 494-2260(606) 494-2260
1204 Lexington AveFlatwoods, KY 41139

Office Hours:

9:00 AM - 6:00 PM
9:00 AM - 6:00 PM
9:00 AM - 6:00 PM
9:00 AM - 6:00 PM
9:00 AM - 6:00 PM
Available 24/7 at (606) 494-2240
Other Locations:

About Kathryn Osborne - Flatwoods Insurance Agent

  • Animals
  • Family
  • Music
  • Spiritual
  • Travel
  • Youth Programs

Our family has worked closely with Allstate for years to help people with their insurance needs – from homes to auto to boats and more. Our quality, service-oriented agency is not only owned and operated by a family, customers tell us we make them feel like family too.

One of the things I like best about working with Allstate is the variety of products and services I can offer customers. More than insurance, I can offer a variety of solutions to address their financial needs – such as saving for a child’s education or retirement.

As a small business owner, I understand the importance of building a solid foundation for the future and developing long-lasting customer relationships. That’s why I’m committed to offering you the same level of service I’d expect from my own business dealings. When you leave my office, I hope you’ll feel confident, informed, assured and satisfied in your choices. The way you should feel.

  • Honor Ring-2 years
  • Agency Achievement Award-1 years
  • National Conference Award-1 years
  • 10+ Years of Service

Here to Help You

Connect With Us

Meet the Team

Brittany Miller
Sr. Licensed Agent
Brittany is one of our Sr. Agents, she grew up in the Flatwoods, graduated from Russell High School, and still lives in the community with her husband and son. Brittany is a true asset to our agency and has vast knowledge in property and casualty insurance. She specializes in billing issues and policy coverage and premium questions. Let her help you protect the things that are most important to you!
Kimberly Kerns
Sr. Licensed Agent
Kimberly is one of our Sr. Agents here in our office. Kim is a Graduate of Raceland High School and currently lives in the Ashland area with her husband and daughter. Kimberly is a true gem and we are so happy to have her as part of The Osborne Agency's team. Kim has over 15 years insurance experience including Personal lines, Commercial Lines and Supplemental Health products. Kim is also our life specialist here in the agency and she can create a life policy just for you. Give her a call and let her help you protect the things that are most important to you!
Cheri Osborne
Insurance Agent
Cheri has been a licensed agent with The Osborne Agency from the beginning, She lives in Greenup with her husband and youngest daughter. Cheri is the mother to Kathy Osborne the Agent Owner. She specializes in home and auto policies as well as customer care. Let Cheri help with your coverage selections and questions while giving you the best service in the Tri-State.
Heather Osborne
Office Manager
Heather will be the first smiling face you see and can help you get the service you deserve!
Rhonda Pickering
Marketing / Customer Service
Rhonda has been with The Osborne Agency for several years, she handles our marketing efforts and works with customers on a daily basis. Rhonda is here to see that your experience with us is great!
Sarah Traylor
Customer Service / Claims Liaison
Sarah is the newest member of our team. She graduated from Raceland High School and lives in Greenup with her husband and twin babies. Sarah brings her experience successfully working with the customer to our staff to see that you are happy with your interactions with our agency. She can help you with your general questions about your insurance, and works with our agents to consult and share information so that your answers are immediate.
Sarah is also our claims liaison and monitors all of our agency claim activity. She will be with you from start to finish fielding your questions and helping you make good decisions along the way. She will be with you through the whole process.

Request An Appointment

Want to request an appointment for a call or visit? Use the calendar to pick the date you'd like to visit and then choose a time. While we can't guarantee agency availability, your request will route to the agency inbox and we'll do our best to accommodate your schedule.
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Your Insurance, On The Go

Scan your credit card to populate payment info within the app. Access policy information, keep a digital copy of your ID card and enjoy new roadside tools with the Allstate mobile app for iOS and Android.
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Protect What Matters Most

Whether it's your home, your family, your bike or your boat, see how Allstate can help protect the things that matter most to you in life.

Insurance Products & Services

Insurance is unlike any other product out there - you pay for it and hope you never have to use it. And that makes paying more than you need to that much more uncomfortable.

With a policy from Allstate, you can help keep your insurance costs low with the wide variety of discounts we offer. Keep in mind, not all discounts are available in every state. The best way to get all that you qualify for is to get an insurance quote specific to Flatwoods.

You can get a rough "ballpark" insurance quote from many companies online, but talking with an agent allows you to ask questions and get a quote for coverage that matters most to you. As an Allstate agent, I can prepare a quote that details the coverage, deductibles (your portion of a loss) and cost (premium) of your insurance policy.

Insurance products and services offered at my Allstate agency include:

  • Auto Insurance
  • Car Insurance
  • Flood Insurance
  • Insurance
  • Life Insurance
  • Motorcycle Insurance
  • Home Insurance
  • Insurance Quote
  • Insurance Agency
  • Business Insurance
  • Annuities
  • Retirement
  • College Savings Plan

Plan Your Financial Future.
Calculator: Social Security & Retirement
Buy vs. Lease Calculator
What's the Difference Between Term and Permanent Life Insurance?
Mortgage Tax Credit Calculator

Make sure you're doing all you can to protect the life you deserve—no matter what stage you're at in life.
Is Social Security part of your retirement plan? Estimate your projected annual benefits.
What’s more cost efficient – buying or leasing a car? This calculator can help crunch the numbers.
Life insurance policies typically fall into two categories: term or permanent insurance. Which type of policy is right for you?
Calculate your potential average yearly tax savings over the life of your mortgage.
Learn moreLearn moreLearn moreLearn moreLearn more

Areas Served

Proud to serve the areas of:

  • Greenup
  • Boyd
  • Lewis
  • Carter

Quote, email, or call my agency today for your personalized insurance quote.

Kathryn Osborne is insurance licensed in the state(s) of Kentucky, Ohio, and West Virginia. If you do not reside in the state(s) of Kentucky, Ohio, or West Virginia, please go to the Find an Agent section on to search for another Allstate Agent or Personal Financial Representative.

Subject to terms, conditions & availability.

This material is intended for educational purposes only. Auto and homeowners insurance, and other property and casualty insurance products, are available from Allstate Insurance Company, Allstate Indemnity Company, Allstate Property and Casualty Insurance Company and Allstate Fire and Casualty Insurance Company (Home Offices: Northbrook, IL); Allstate New Jersey Insurance Company and Allstate New Jersey Property and Casualty Insurance Company (Home Offices: Bridgewater, NJ); and Allstate County Mutual Insurance Company and Allstate Texas Lloyd's (Home Offices: Irving, TX). Life insurance issued by Allstate Life Insurance Company: Northbrook, IL; and American Heritage Life Insurance Company: Jacksonville, FL. In New York, Allstate Life Insurance Company of New York: Hauppauge, NY. Securities offered by Personal Financial Representatives through Allstate Financial Services, LLC (LSA Securities in LA and PA). Registered Broker-Dealer. Member FINRA, SIPC. Main Office: 2920 South 84th Street, Lincoln, NE 68506. (877) 525-5727.

Check the background of this firm on FINRA's BrokerCheck website.