Find the Best Homeowners Insurance

What’s in My Home Insurance Policy?

Home insurance is designed to cover you against many of the risks you face as a property owner in Kentucky. An independent agent can help you review your dwelling and contents coverage limits to ensure that they are high enough to enable you to rebuild, repair, or replace your property following a disaster. A typical homeowners insurance policy in Kentucky will provide you with the following:

• Coverage against natural disasters: There are a number of weather risks that can damage your Kentucky home. Heavy winds and hail can damage roofs and siding; wildfires and tornadoes can destroy entire communities; and ice storms and freezing temperatures can cause burst pipes and fallen trees. Fortunately, these hazards are covered by home insurance.  
• Coverage against accidental damage: An unattended candle may lead to an out-of-control fire, or you may accidentally damage a water pipe while working on a DIY home improvement project. Damage due to accidents is typically covered by home insurance.  However, damage that is the result of long-term, ignored problems usually is not.
• Coverage against property crimes: If burglars break into your house, your insurance can cover the cost to replace your stolen items and to repair any damage the criminals may have caused. It can also cover against other property crimes like vandalism and arson. You will need a copy of the police report when you file a claim.
• Coverage against liability lawsuits: If you are responsible for another person suffering an injury, property damage, or financial hardship, you may find yourself on the wrong end of a personal liability lawsuit. If this happens, your homeowners liability insurance can cover your legal fees, court costs, and damages.
• Coverage for temporary living expenses, if needed: Your homeowners policy can cover the cost of temporary accommodations, meals, and other associated expenses if your home is rendered uninhabitable due to a covered event like a fire and you need to move out while repairs are made.

What Is NOT Covered by Home Insurance in Kentucky?

While homeowners insurance is designed to cover you against most of the risks you face as a property owner in this state, it is not all-encompassing.  The following are not covered by homeowners insurance:

• Flood damage: Flood damage caused by rising waters is excluded from your homeowners insurance coverage. An independent insurance agent can help you get coverage against this hazard by helping you secure a supplementary flood insurance policy through the National Flood Insurance Program (NFIP).
• Landslides: Landslides, mudslides, and mudflows can cause a great deal of damage to your home, but these hazards, which are caused by earth movement, are excluded from your home insurance coverage. There are, however, insurance companies that offer coverage against these hazards. If your property is at risk, your insurance agent can help you find coverage.
• Hobby farms: Many property owners in Kentucky have small hobby farms on their property. Unfortunately, nearly all home insurance policies exclude coverage for these farms. Being technically a business, hobby farms present liability risks as well as increased property coverage needs. If you have a hobby farm, your insurance agent can help you find a suitable policy.

Let a local independent insurance agent help you find the coverage you need at a price you can afford.

Top Insurance Companies that Support Independent Agents in Kentucky

There are currently 331 independent insurance agencies in Kentucky that are ready to help. Independent agents work with a variety of insurance companies so they can provide you with a selection of customized home insurance quotes that you can review and compare together. Let a local independent agent help you find the best home insurance policy to meet your coverage and budgetary needs.