Disaster Planning and Emergency Preparedness

We are all glued to our television sets when tornadoes rip through Mississippi, or hurricanes plow over Florida. We cannot take our eyes off earthquakes in California, or mudslides in Washington, but what happens when the disaster is not just on tele...

Posted on: 21 August 2014 | 11:00 am

Louisville Long Term Care Insurance: Shared Benefit Rider

Without a crystal ball, it is impossible to know what the future hold for you or your spouse. Perhaps you may require long term care in a facility, perhaps your spouse will die before you, or perhaps you may need assisted living as you age. So what ...

Posted on: 28 July 2014 | 7:00 am

RV Insurance in Louisville, KY

It's not exactly your car, but it's not necessarily your home either, so where does your RV fit on your insurance coverage? Specialized RV insurance actually carry their own policies which combine the benefits of both car insurance, homeowners insu...

Posted on: 14 July 2014 | 11:00 am

Auto, Medical, and Home Insurance in Kentucky

Because each state is unique, various challenges, coverage changes, and circumstances vary depending on where you live. Insurance in Kentucky may look a whole lot different from insurance coverage in Washington or Florida. This article gives you a br...

Posted on: 23 June 2014 | 5:00 pm

Insuring Your Mobile Home

According to the American Community Survey, Kentucky ranks #7 on the list of states with the most mobile homes per capita, meaning that approximately 14 percent of all housing is mobile homes. The state with the most mobile homes per capita is South...

Posted on: 19 May 2014 | 7:00 am

Protecting Your Home from Hail Damage

When the seasons change in Kentucky, Mother Nature leads the way with strong storms. Thunderstorms carry not only rain and wind, but often hail as well. Hail can be as large as five inches in diameter and rain down on your roof at speeds around 90 ...

Posted on: 12 May 2014 | 7:00 am

Louisville Auto Insurance: Auto Insurance Discounts Guide

Insurance discounts vary depending on state laws, individual company guidelines, and how each company calculates insurance rates. Each company has its own criteria, requirements, and the savings vary between companies and location. The discounts yo...

Posted on: 15 April 2014 | 7:00 am

Understanding Church Insurance

The state of Kentucky is home to hundreds of different churches and thousands of worship buildings. Proving a place of peace and faith can be a large undertaking. It is important to protect the congregation and their meetinghouse with adequate church...

Posted on: 24 March 2014 | 7:00 am

Insuring for Severe Cold Weather

Although it's only February, this year has already been a record setting year for temperatures in the East. Much of the country has experienced temperatures well below normal, periods of freezing rain, mountains of snow and Mother Nature continues to...

Posted on: 26 February 2014 | 3:00 pm

How to Lower Your Insurance Premiums and Save Money

Getting the best price on insurance is crucial to maintaining the balance between budget and coverage. To get the most coverage at a reasonable price, consider these simple ABC's (and D) of insurance discounts. These simple steps can be used for any ...

Posted on: 25 February 2014 | 3:51 pm

Why Your College Student Needs Renters Insurance

For many college students, the end of a semester means the end of a lease contract. If your student is switching apartments, or starting college in the spring, ensuring he or she has adequate renter’s coverage is just as important as attending ...

Posted on: 30 December 2013 | 7:00 am

Business Insurance: Could This Happen to You?

Business insurance may seem unnecessary to the entrepreneur chasing a dream, but without it, those dreams may translate into disaster. Scenario #1 John opened a bakery last year and wakes up at 4 a.m. every day to make and deliver his famous Ital...

Posted on: 23 December 2013 | 7:00 am

Kentucky Home Insurance – What Is Covered and What Is Not

Insurance coverage varies by a number of factors. One important factor is location. Kentucky home insurance is unique and includes coverage for a wide range of perils, but it doesn’t protect against everything. In addition, prices for different...

Posted on: 16 December 2013 | 7:00 am

Give the Gift of Protection

If you’re still looking for a last minute gift idea for that difficult person on your list, consider something a little bit different this year. For whoever you’re shopping for, consider a gift that will really keep on giving throughout t...

Posted on: 9 December 2013 | 7:00 am

Why Home Contents Insurance Is Important

Imagine for a moment that you have to replace everything in your home. Look at every pieces of furniture, every article of clothing, every pair of shoes, every plate, cup, chair, picture frame, and every electronic, computer accessory, or gadget you ...

Posted on: 2 December 2013 | 7:00 am

So, Exactly What Does Renters Insurance Cover?

You may not realize how valuable renter’s insurance is, until you find everything you own destroyed. Many landlords require tenants to carry rental insurance to protect themselves. While this may seem like an added unnecessary expense, or a sup...

Posted on: 25 November 2013 | 7:00 am

How Insurers Calculate Business Insurance Rates

Insurance rates are always a calculation of assumed risk. Regardless of whether it is homeowners, auto, life, or business coverage, your rates are always a result of your calculated risk level. For example, if you have a history of car accidents and ...

Posted on: 18 November 2013 | 7:00 am

Life Insurance Exam

The life insurance exam is a simple process which helps to establish your risk factors, and therefore, your insurance rates. A life insurance exam is not a pass or fail test. In fact, it is very similar to a routine physical. If you are younger than ...

Posted on: 11 November 2013 | 7:00 am

Vacation Home Insurance

From a cozy cabin deep in the woods to a beach cottage in North Carolina, a vacation home is designed to be a place to relax, rejuvenate, and get away. Vacation homes often provide family memories for several generations. Those who invest in a vaca...

Posted on: 4 November 2013 | 7:00 am

Types of Motorcycle Insurance

Just like car drivers, bikers need to have adequate insurance coverage before they head out onto the road. Motorcycle policies have nearly the same options as auto insurance, and selecting the right coverage for you, your bike, and your area can be a...

Posted on: 28 October 2013 | 7:00 am

Flood Insurance

The September flooding this year in Colorado damaged or destroyed 2000 homes across the Front Range area. Covering nearly 2,000 square miles, the waters came in a hurry and washed out hundreds of miles of roads. According to experts, the chance of th...

Posted on: 21 October 2013 | 7:00 am

Term Life Insurance Basics

Term life insurance is one of the most important (and affordable) forms of insurance, but unfortunately, it is often misunderstood by many. Most people buy term life insurance to replace income that would be lost if a wage earner passed away. This is...

Posted on: 14 October 2013 | 7:00 am

Basic Business Coverage

Regardless of what type of business you are in, there is necessary insurance coverage to protect your assets. Running your own business is an inherent risk, and having adequate insurance coverage is one way to protect your investment against theft, f...

Posted on: 7 October 2013 | 7:00 am

Factors That Affect Your Homeowners Insurance Rates

Anytime you move or relocate to a new home, your homeowners rates may change. Even if you stay in the same area of town, with the same income and the same size of house, your rates may go up or down depending on a number of factors. When calculating ...

Posted on: 30 September 2013 | 7:00 am

Q&A for Renters Insurance

Renter’s insurance is often a confusing sector of insurance and often disregarded. Many renters are young adults who tend to overlook the very real threat of fire, burglary, or disaster. However, for those who rent any size of property, renter&...

Posted on: 23 September 2013 | 7:00 am