Category Archive for : ‘Louisville Insurance Blog’

Mobile Home Insurance

Mobile Home Insurance

With over 1200 mobile home parks in the state of Kentucky, it is clear that residents here see the value in living in mobile or manufactured housing. While mobile home insurance has some similarities to traditional homeowners insurance, there are some notable differences because of the unique needs and concerns of a mobile home.

Types of Coverage

There are two basic types of mobile home insurance coverage: personal liability and physical damage. These are very similar to the coverage options with traditional homeowners.

Personal liability protects you as the

Start off the New Year with Complete Protection

Start off the New Year with Complete Protection

The New Year is the perfect time to start fresh, renew resolutions, and make a goal. Start this New Year with peace of mind by taking on a new tradition.

Experts recommend that policyholders review their policies at least once a year. Throughout the year, there may be changes in the company policies, procedures, or coverage limits. There may be changes in your own life which require you to change your coverage.

Each year, reading through your homeowners, auto, and life insurance policies is the best way to ensure

The Top Don’ts of Home Insurance Claims

The Top Don’ts of Home Insurance Claims

When disaster strikes, many homeowners work off of pure adrenaline and emotion when filing and dealing with homeowner’s claims. From a leaky pipe to a four-alarm fire, it is important to deal with insurance claims correctly in order to receive a fair settlement. Here are some of the most basic mistakes to avoid when filing an insurance claim.

Don’t Be Vague:

Saying, “My TV is busted” does not give the insurance company adequate information to provide coverage.  Your insurer needs to know exactly what has been damaged or stolen.

Renters Insurance FAQ

Renters Insurance FAQ

According to the U.S. Department of Justice, burglary is nearly 80% more common among rentals such as apartment, condos, and rental homes. Still, less than half of renters carry adequate renters insurance. Generally, most renters believe that it is the landlord’s responsibility to provide adequate protection for the tenants.

This is not the case and for the millions of individuals and families who are renting an apartment or condo, they are left at high risk of loss. Understanding the basics of renter’s insurance can help renters to protect themselves.

Storm Insurance Tips to Protect Your Home

Storm Insurance Tips to Protect Your Home

When Mother Nature rears her ugly head, violent storms can tear apart homes, families, and neighborhoods. Being the victim of a violent storm can be a terrifying experience. From hurricanes, torrential rain, wind, or hail, violent storms can occur anytime at nearly anywhere in the country.

Without adequate coverage, storm damage can leave you with no way to pay for repairs to your home. Unfortunately for many, this means they are still making mortgage payments on a destroyed home. To avoid this situation, it is crucial to carry adequate