This Independent Agency has served Lawrenceburg, Anderson County and Central Kentucky since 1950. The Humston Agency has endeavored to provide unmatched service for over 64 years and we maintain that commitment to our customers and companies into the future.

As an INDEPENDENT INSURANCE AGENCY, the Humston Agency has a great advantage over our competition because we represent several competitive companies in Personal Auto; Homeowners; and Commercial lines.  We will shop the market to find the company that is right for you, saving you time and money.

Our philosophy of paying close attention to our clients hasn’t changed since we opened our doors in 1950.  We take the time to know you and suggest how best to meet your insurance needs.

*Special note:  We freely give to all (clients or not) the best “Life Insurance Policy” available...  you pay no monetary premium!*

Our Staff

Charles O. Humston, Jr.

Charles has been an owner of this agency since its beginning.  He  is a U.S. Navy veteran WWll,  attended the University of Kentucky and Eastern Kentucky University; obtained his CLU and CPCU professional designations in 1969 and 1985 respectively, taught CPCU courses at the University of Kentucky and also at Eastern Kentucky University which included company underwriters, claims adjusters and attorneys as well as independent insurance agents. Charles is a member of Hope Community Church and serves as an Elder.

Reach out to Charles directly at


Margaret Holt

Margaret had 6 years experience with a direct writer before she came to the Humston Insurance Agency, Inc. in Nov. 1997.  She has over 20 years in the insurance business and is extremely well versed in personal and commercial lines of property and casualty insurance.  She gives special detail attention to clients’ needs and always tries to save them money without sacrificing needed coverage.  She is married to Chris Holt and they have 2 children. Most importantly they are a Christian family.


Reach out to Margaret directly at