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Louisville Insurance Blog

9 Things Home Insurance Doesn’t Cover

9 Things Home Insurance Doesn’t Cover

Sometimes knowing what is not included in your policy is just as important as knowing what is included in your policy. Experts in the insurance industry recommend evaluating your homeowner’s insurance policy at least once a year, but between the fine print and tiny typeface, it can be difficult to truly see what is covered, and more importantly, what is not. The sheer length of many insurance policies may fool you into thinking that you are covered. After all, a dozen or more pages of coverage ought to cover

Business Property Insurance 101


Every business has property. Even if you work from home, you most likely use a computer, printer, and office desk or table. Whether you are working out of your basement, or you have an industrial factory and warehouse, where you do business matters. Protecting the equipment, inventory, and the walls that surround your business is crucial.

When disaster strikes, many individuals worry about their home and their family. But what about your business and your employees? Most families take adequate steps to protect their home, but few provide adequate

Cheap Business Insurance Options


When starting a new business, there is no question of whether or not you need coverage. A brand new business is vulnerable to a mountain of liability and protecting your life savings, your dream, and your passion is not debatable. Every entrepreneur needs some form of small business insurance, but most new CEO’s are working to pinch pennies, stretch every dollar, and get their business of the ground.

At the end of the day, there is generally not a lot left in the budget for a large insurance policy.

Remodeling Your Policy


An update to your home often means updating your insurance policy to match your new space. Weekend warriors are often eager to remodel the kitchen or renovate a bathroom, but forget that those new stainless steel appliances require higher insurance coverage, and that jetted tub needs to be included in the policy as well.

Before Demolition

Prior to making any renovations, it is always recommended to contact your local insurance agent and inform them of your plans. Of course, this is not to ask permission, but merely get advice,

The Importance of Motorcycle Insurance

The Importance of Motorcycle Insurance

Because of the inherent risks that come with driving a motorcycle, insurance coverage should be a no-brainer. Unfortunately, for many bikers, insurance is left by the wayside resulting in devastating consequences.

Here are a few of the startling statistics that make it easy to see why motorcycle insurance is crucial, even for seasonal or occasional riders:

1. Rates of Death: The National Highway Traffic Safety Administration reported that 4,798 motorcyclists died in crashes in 2006.

2. Rates of Injury: The National Safety Council estimates a motorcycle accident that causes

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