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Phone: 270.444.7278 Toll Free: 800.682.8861 Fax: 270.444.0630 |
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Personal Insurance
We provide insurance for all your personal needs including homeowners insurance, auto insurance, and other coverages such as boat, theft, renters, and personal property. We specialize in helping individuals save money and time by packaging their insurance plans into one easy plan.
Personal Insurance
- Private Passenger Cars
- Primary Homes
- Pick-up Trucks & Vans
- Fine Arts
- Rental Dwellings
- Personal Liability
- Sport Utility Vehicle
- Condominium Units
- Furs
- Tenant Property
- Personal Computers
- Medical Payments
- Personal Property
- Trailers
- Snowmobiles
- Silverware
- Mobile Devices
- Uninsured Motorists
- Underinsured Motorists
- Coins & Stamps
- Antique Cars
- Tools
- Money & Securities
- Replacement Cost on Home & Personal Property
- Guns
- Motor Homes/Trailer Homes
- Home-Based Businesses
- High-Performance Cars
- All-Terrain Vehicles
- Umbrella Liability
- Musical Instruments
- Boats & Yachts
- Motorcycles
- Seasonal & Secondary Homes
- Personal Watercraft
- Sewer Backup
- Jewelry
- Refrigerated Contents
- Motorcycle Trailers & Sidecars
- And Much More…
Homeowners
Policy Covers:
- Cost to repair or rebuild your house
- Your personal property
- Increases in your living expenses while your home is uninhabitable after a covered loss
- Your liability to others because of bodily injury or property damage arising out of your premises or the personal activities of you and your family
- Medical expenses of guests injured at your home
Optional Coverage Package Endorsement includes:
- Tree debris removal
- Loss to refrigerated contents from power interruption
- Liability coverage for libel, slander, false arrest or detention, invasion of privacy, and other forms of personal injury
- Personal property against additional risk of physical loss, subject to certain exclusions
- Loss of securities
- Theft, misplacement, or loss of jewelry or furs
- Theft, misplacement, or loss of firearms
- Theft, misplacement, or loss of silverware
- Loss from theft of credit cards
- Door lock replacement
- Recharge of fire extinguishers
- Arson reward of $1,000
- Waterbed liability
- Damage to property of others
In addition to primary residences, specialized coverage is available for:
- Seasonal & Secondary Homes
- Condominium units
- Tenants
Auto
Optional coverages:
Lease/Loan Payoff
- Covers the gap that may exist between the amount owed under a lease or loan and the actual cash value of the car in the event of a total loss
Replacement Cost Coverage
- If your car is totally destroyed in a covered loss, we will replace it with a brand new car
- Partial losses are guaranteed to be repaired with brand new parts
Discounts!
- Multi-Car
- Good Student/Graduate
- More Cars Than Drivers
- Safe Driver
- Auto / Home (Multiple policy)
- Telematic Tracking