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Erlanger Homeowner Insurance

Homeowner Insurance

Protect Your Property in Case of the Unexpected

For most folks in Erlanger, their home is their biggest asset and greatest investment. You should protect your property with a homeowner insurance policy in case of emergencies. This keeps you from having to cover repairs or reconstruction out of your own pocket. In fact, most mortgage lenders these days require this coverage.

Homeowner Insurance Is a Fantastic Value

You get a lot for your money with homeowner insurance. Of course, it protects your home’s structure in case of fire, storms, and most natural disasters. It also covers the inside of your home for damage or loss to these things, as well as against vandalism or theft. Your furniture, appliances, electronics, clothing, and personal items are all covered.

You also receive liability protection with most homeowner policies. This is good to have in the event someone has a slip-and-fall injury while on your property. Your insurance covers their medical bills, so you don’t have to pay for this on your own. Liability coverage is typically extended around the globe to you and all the members of your household.

Be sure to ask about loss of use coverage, aka alternative living expenses. This coverage pays for the cost of living elsewhere following a claim where your home needs serious repairs or rebuilding.

You Can Add Coverage to Your Homeowner Policy With Ease

We’ve found many of our Erlanger clients need additional coverage for special conditions. These things are easy to add to your homeowner policy for a reasonable cost:

  • Scheduled coverage for valuables like artwork, antiques, furs, jewelry, firearms, collectibles, and precious metals
  • Earthquake insurance
  • Flood insurance
  • Personal umbrella insurance for increased liability coverage (encouraged for dog owners)

Not Sure What You Need? Ask Our Independent Agents

Our independent agents can help you determine how much coverage you need for peace of mind. We have a huge menu of homeowner products, unlike those big companies, where you only get to choose from a handful. And as always, we make personalized service a number one priority.

To get the home protection you need, call Old Kentucky Insurance at 502-451-8800 today. You can also start a policy any time online, or reach out via our contact form.