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Shelbyville Homeowner Insurance

Homeowner Insurance

Home Protection in Case the Worst Happens

Our friends and neighbors in Shelbyville work hard for their homes. That’s why we always urge them to protect their investment with a homeowner insurance policy. Home insurance covers you in case of many disasters, like fires and storms, so you don’t have to pay out of pocket for repairs or reconstruction. You may have homeowner insurance required by your mortgage lender.

Homeowner Insurance Is a Good Value for Your Money

Homeowner insurance gives you broad coverage, so it’s well worth it. The structure of your home is protected in the event of storms, many natural disasters, fires, vandalism, and theft. Likewise, everything inside your home is covered too, including decor, appliances, clothing, electronics, sporting goods, and other belongings.

You also get liability coverage with most homeowner policies today. If a friend or delivery person slips and hurts themselves while on your property, for instance, liability protection can pay for their medical bills. Usually liability insurance covers all the members of your household wherever you are in the world.

Should your home become uninhabitable, alternative living expenses, also known as loss of use coverage, can come in handy. This part of your policy reimburses you for the expense of moving elsewhere temporarily while your home is repaired or rebuilt.

You May Want Additional Protection for Peace of Mind

Many of our clients around Shelbyville like the assurance they get from extra coverage for special needs. We’re happy to help you with any of the following, which are easy to add to your homeowner policy:

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

Ask Our Independent Agents About a Customized Policy

We pride ourselves on providing each of our Shelbyville homeowner clients with a policy tailored uniquely for them. We can do this because we’re not beholden to only a few home insurance products like the big companies. And we always offer outstanding personalized service to make you feel like family.

To learn more about homeowner insurance coverage or to discuss how much insurance is right for your property, call Old Kentucky Insurance at 502-451-8800 today. If you’d like, you can also start a policy online any time.