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Louisville Homeowner Insurance

Homeowner Insurance

Get the Protection Your Greatest Asset Deserves

When your Louisville home is your greatest asset, it’s a must to make sure it’s protected in the event the unexpected happens. Otherwise, you could be on the hook financially for repairs or rebuilding costs, which would break most people these days. Homeowner insurance is a wise purchase, and it may even be required by your mortgage lender.

Homeowner Insurance Covers Your Dwelling and More

Homeowner insurance gives you a complete range of protection. At its most basic, it covers your home’s structure in case of storms, fire, and other disasters. Additionally, it protects your home’s interior, such as appliances, electronics, furnishings, clothing, kids belongings, and other personal items. This includes protection in the event of theft or vandalism.

Most home policies also provide liability protection. Liability coverage pays if someone is injured on your property and successfully sues you for damages. Not only that, it usually covers your entire household around the globe when you’re traveling.

If your home becomes uninhabitable after a claim, most policies pay for loss of use or alternative living expenses. This reimburses you if you have to live elsewhere while your home is being rebuilt or repaired.

Add More Coverage for Special Situations

Many of our Louisville clients enjoy the extra protection they get from adding coverage to their homeowner policy. We can easily add any of the following:

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

Our Independent Agents Will Help You Find the Right Coverage

When you buy homeowner insurance from a big company, you’re obligated to a limited selection of their products. But when you team up with an independent agent, you have a much more varied menu of options. Independent agents are also valued for their commitment to personalized service.

Not sure how much coverage you need? We can help you figure that out and tailor a policy to you. Call Old Kentucky Insurance at 502-451-8800 today for more information. After hours, feel free to start a policy online, and we’ll catch up when the office is open.