Louisville Home Insurance
Our agency offers a wide range of insurance plans to meet your needs and budget.
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Will my homeowners insurance cost be higher if I need to cover possessions within my home?
Most homeowners insurance policies come with coverage for personal items. However, some of the limits may be too low for those who have many valuable possessions within their home or on their property. Typically, each category of property, such as clothing or watercraft, will be reimbursed up to the low four figures.
If the standard protection for personal belongings is too low for your needs, our agency can provide you with the most competitive homeowners insurance quotes for policies with enhanced property protection. These policies may cover items such as jewelry well into six-figure amounts, with only slightly higher monthly home insurance quotes.
What things will a basic homeowners policy always cover
While it’s imperative to always read the specifics of any policy that you are considering for purchase, nearly all homeowners policies will cover basic insured events, including losses caused by:
- Fire or lightening.
- Straight-line wind, tornados or hail.
- Gas explosions or leaks.
- Vehicle or aircraft crashes.
- Snow or ice.
- Freezing or malfunctioning of pipes as well as heating or air conditioning components.
- And theft or vandalism.
Our agency can help provide you with in-person, over-the-phone or online home insurance quotes, helping you to select the right policy for your specific circumstances. Contact us by phone or online, or stop by in person today.
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