Louisville has a complicated relationship with water. Sitting along the banks of the Ohio River, this city has weathered some of the most dramatic flooding events in American history. Louisville continues to face real flood risk today. Yet when most…
You bought the policy. You paid the premium. But do you actually know what’s covered by your homeowners insurance policy? Most homeowners have never read past the declarations page — and that’s okay. Insurance policies are long, technical, and not…
Louisville is a city with character — and a lot of that character lives in its housing. From the grand Victorian homes of Old Louisville to the cozy bungalows of Germantown and the brick Craftsmans of the Highlands, this city’s…
Spring weather, in the mid-west, is unpredictable If you’ve lived in Kentucky for any length of time, you already know the weather here doesn’t pull its punches. Tornadoes, severe thunderstorms, damaging hailstorms; the Bluegrass State sees it all, and often…
Spring is finally here, and with it comes the annual ritual of walking around your property and taking stock of what winter left behind. Most homeowners think of spring maintenance as a to-do list for curb appeal or comfort —…
If you have owned a home in the post COVID era, you are well aware of the rising costs associated with insuring your home. Many of the factors that are causing these increases are out of your control. However, some…
Learning how Kentucky weather affects your home insurance should be a top priority for all homeowners in our state. Kentucky is one of the most weather-volatile states in the nation. From spring tornadoes tearing through the Bluegrass region to catastrophic…
Congratulations on taking steps toward homeownership! Home insurance for first-time home buyers require careful consideration. As you navigate the final stages of your home purchase, securing the right insurance policy is crucial. It’s more nuanced than simply accepting the first…
Your standard home insurance policy doesn’t cover earthquake damage. Insurance companies expressly exclude earthquake damage from your policy without this endorsement. One of the largest fault lines in the United States sits just outside western Kentucky near New Madrid, Missouri.…
In this blog, we will break down Replacement Cost vs Market Value: What Should You Know? When is the last time you have looked at your home insurance declaration page? Did you look at the Dwelling/Coverage A protection and think…
