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Homeowner Insurance

from Old Kentucky Insurance

Homeowner Insurance

Don’t Leave Your Residence and Greatest Asset Unprotected

When you work hard and save for a home in Kentucky, you want to make sure it’s protected in case the worst happens. Fortunately, home insurance was created just for this purpose. It’s there for unexpected emergencies, so you don’t have to pay out of your own pocket for repairs or rebuilding — not something most folks can afford these days. Your mortgage lender probably requires homeowner insurance, which is a smart idea.

Homeowner Insurance Covers Many Needs

What does homeowner insurance cover? First of all, it protects the structure of your home in case of things like fires, storms, and vandalism. It also covers the contents of your home, including for damage, loss, or theft. That means your furnishings, appliances, electronics, clothing, and other personal items are protected.

Homeowner insurance also provides liability coverage. This protects you if, for example, someone slips and falls while visiting or delivering something to your home. Liability coverage is typically extended to your entire household anywhere in the world, such as if a hotel room is accidentally damaged by a family member while on vacation.

You may also receive loss of use coverage with your homeowner policy. This reimburses you for the cost of living elsewhere if you have to move out of your home during repairs or reconstruction.

It’s Easy to Add Extras for More Protection

Some of our clients like the peace of mind that comes with additional homeowner protection. Be sure to ask us if you’re interested in:

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

Our Independent Agents Will Help You Find the Right Coverage

Working with an independent agent is ideal when seeking homeowner insurance. We have a larger array of products than big insurance companies, and we can take the time to make sure you have enough coverage for your unique home and belongings.

To inquire about a policy, call Old Kentucky Insurance at 502-451-8800 today. For your ease, you can also start a policy online any time you like.