Home & Property Insurance

Home & Property Insurance

Whether you own a house or condo, or you rent, we have an insurance program to protect you, your home, and your belongings.

How can I save money when getting homeowners insurance?

One of the best ways to reduce your premium is by making minor investments to your residence. If you have deadbolt locks on your outer hinged doors, smoke detectors on every floor, and a fire extinguisher you will not only make your residence safer but receive a discount on your policy. Furthermore, you may be eligible for addition discounts.

Decide what coverages you need. If you are unsure we can help.

First Second Third
Decide what type of policy you need based on your residence. Do you own or rent? If you own do you have a home, condominium, or mobile home.

Understand which coverage elements are common among all property insurance policies:

  • Personal Property: Details the insurance coverage for the contents of your home. Many specifics regarding "personal property" coverage are defined in your homeowners policy. Included in these definitions are what exactly is, or is not, covered under "personal property" as well as specific dollar amounts of coverage for specific items. It is possible to add certain endorsements to alter the limitations in your personal property coverage.
  • Family Liability Protection: To pay for covered damages which you are legally obligated to pay.
  • Guest Medical Protection: To pay medical expenses for your guests who are accidentally injured on your property as a result of a covered loss.
  • Loss of Use: In the result that your home is uninhabitable
    because of covered property damage, your homeowners policy provides "additional living expenses". "Additional living expenses" generally include hotel or restaurant bills; specific dollar amounts or percentage of coverage are usually defined.
Finally, tailor you policy and coverages to your needs and personal risk level.
  • Some of the common additional coverage’s in Louisville are water back up, and earthquake coverage.
  • Replacement Cost Coverage: For many of your contents (subject to applicable underlying policy coverage limits).
  • Scheduled Personal Property Coverage: With increased protection for your personal property including, but not limited to: jewelry, watches, furs, stamp and coin collections, fine arts, computers, cameras and sporting equipment.
  • Increased Building Code Coverage: For example, if your home is damaged or destroyed you'd need protection to bring it up to today's code standards as it is repaired.
  • Portable Cellular Communication Systems Coverage.
  • Satellite Dish Antennas Coverage.

Finally
Since most Homeowners, Condominium, Mobile Home,* or Renters Insurance Policies don't cover a flood, find out if you're eligible for Flood insurance! 

Home Information
Name:
Address:
City:
State:
Zip:
Day Phone:
Evening Phone:
Mobile Phone:
E-mail Address:
Best Time To Contact: AM PM
Method of contact: Day Phone Eve. Phone Beeper
Cell Email

Current Policy Information
Address to Insure (if other than current address)
Do you Own or Rent the property:

Type of Property:



Street Address:
City:
State:
Zip:
Current Provider: (optional)
Expiration Date: (optional)
Annual Premium: (optional)
Amount of Coverage Desired:
Year Built:
Roof Type:
Age of Roof:
years
Basement:
Square Feet (not including basement):
Number of Stories:
Type of Construction:
Alarm:
Have you made any claims in the past 5 years?
Credit History:
County: (if applicable)
Additional Comments:

I understand that filling out and submitting this form DOES NOT bind coverage in any way. I further understand I must meet all underwriting guidelines. In addition, I acknowledge that coverage can only begin when a policy has been approved by Underwriting and issued by the Agent representing me.

I have read and agree with the above disclaimer
(It is mandatory to check box before request can be sent)

subject to policy guidelines & underwriting

* subject to policy change and/or policy limits