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How Renters Insurance Works to Protect You

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There are many advantages to renting a home in Fisherville, KY as opposed to buying. You have greater freedom to move when you want and less financial responsibility. You also have the benefit of purchasing renters insurance to protect your valuables. Renters coverage is practical, affordable, and flexible, making it a smart investment in protecting your assets. Here’s how a renters policy from TruePoint Insurance can work for you.

Protection for Personal Belongings 

Whether you’re renting a house, apartment or condo, chances are your landlord will have insurance to protect his property. His coverage, however, doesn’t include your belongings. By purchasing a renters policy, you can get the insurance protection you need.

Renters insurance offers various types of protection to protect you from financial loss. Property coverage protects your belongings. If your rental home is broken into and valuables stolen, property coverage helps cover their replacement cost. It also covers your goods if they’re damaged by vandalism, fire, water due to leaky pipes and other disasters.

Protection against Liability Claims

As a renter, you’re responsible for accidents that occur on your rental property. If someone gets injured while visiting your Fisherville, KY home, you could be held liable for his medical costs. Liability insurance covers accidental injuries to protect your personal funds. It also covers accidental damage to visitors’ personal property.

Protection against Loss of Use

If your rental home is damaged by fire, tropical storm, or other disaster and you have to live somewhere else temporarily while the house, condo or apartment is being repaired, loss of use coverage helps cover these extra costs. This includes hotel bills, restaurant bills, transport bills, etc.

These are just a few ways renters insurance in Fisherville, KY can work for you. To purchase a renters policy, call or visit TruePoint Insurance today.

Tips on how to adequately insure an RV

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An Rv is not just a luxury vehicle, but a home on wheels. During your tours in Fisherville, KY, many things can happen, including a road accident. Have you figured out how much loss that would be if you didn’t have any form of insurance? 

Well, Rvs are pretty expensive. On top of that, they carry your valuables just like home. Speaking to an insurance expert in TruePoint Insurance can be a great idea as we will help you find out how much coverage is adequate for you.

Why do you need RV insurance?

We have already mentioned that RVs are like our homes on wheels, which means they carry a lot of value on the roads as well as when packed. While many states do not require drivers to have RV insurance, it makes sense to have a substantial amount of coverage in case anything happens to you out there. While they require ordinary driving skills, Rvs are bigger cars. You will need to make accurate estimations when driving or packing.

Factors that impact Rv insurance premiums

While insurance rates are different for every Rv owner, insurance companies use various criteria to calculate based on the information that you provide. Providing truthful information is a requirement as failure to do so can result in fines. Your Rv insurance premiums will be calculated based on the following factors:

  • The size of your RV
  • The age of the RV
  • Whether you are living in it or not
  • How long you will be using your Rv
  • Where you pack or store your Rv when not in use
  • Your location/address and many more

Your RV is a huge investment that needs to be protected at all costs. Large vehicles can cause significant damages and injuries to the parties involved. You don’t want to risk taking a tour in an uncovered car.

Do you need help buying Rv insurance? TruePoint Insurance can arm you with the right information to help you make a wise decision. Visit us at Fisherville, KY today.

Ready to Ride? Not Without Insurance

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If you need insurance for a Harley or any other bike in Kentucky, Call TruePoint at (502) 410-5089 or visit are website at www.insuringky.com
Need insurance for a Harley in Kentucky?

If you’re looking to buy motorcycle insurance, you’ve come to the right place! Whether you need guidance choosing your first plan, are looking to upgrade your existing one, or just have general questions, the agents at TruePoint Insurance in Fisherville, KY are happy to help! With decades of experience in the industry, the agents at TruePoint Insurance are extremely knowledgeable and prepared to answer your questions. Here are a few tips to help you get started:

Know the Requirements: Motorcycle insurance is mandatory in Kentucky. Whether you just moved here or purchased a new bike, your motorcycle needs to be insured. Since rules and requirements vary by state, it’s important to know what is defined as a motorcycle in Kentucky. This includes the number of wheels on the vehicle, the size of the cylinder(s), etc. The agents at TruePoint Insurance have locations in Fisherville and Lawrenceburg, KY. If you’re a Biker in Kentucky, you will find them to be a valuable resource. Drop by either office and a TruePoint Insurance professional we help you pick the plan that is best for you and your bike while complying with state laws (1).

Kentucky's TruePoint Insurance has become one of the most trusted names ins motorcycle insurance. Find out why other's are placing their trust in TruePoint.
Call TruePoint for Kentucky Motorcycle Insurance

Meet the Minimum: In Kentucky, motorcyclists are required to carry (at a minimum) liability insurance (2). You will need additional coverage to protect the bike itself and for personal medical expenses (2). These options vary greatly and can include protection for damage not caused while on the road. The experienced agents at TruePoint Insurance will be able to explain these additional options to you.

Be Prepared for the Unexpected: Let’s face it – accidents happen. Purchasing insurance will give you peace of mind if you ever run into a bump in the road. Having served Kentucky motorcycle enthusiasts in the area for years, the agents at TruePoint Insurance know not only the basic requirements of motorcycle insurance but also the additional coverage that’s the most beneficial.

Don’t delay – call TruePoint Insurance for your perfect plan today!

The Importance of Home Insurance

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Buying a home is a very exciting time. Whether you’re just purchasing yours or you’ve lived in it for a long time, you want to make sure it’s properly protected. That’s where a home insurance policy comes in. At TruePoint Insurance, we’re dedicated to helping all our Central, KY area homeowners get the policies they need to feel safe and secure. Having peace of mind is extremely important, and it’s much easier when you know you have the right insurance coverage. Since your home is such a large and important asset, coverage for it and your belongings is a vital part of building a strong and stable future.

If you’re not sure what kind of home policy to get, or you don’t know the exact type and level of coverage you need, you’re not alone. Plenty of people have questions about insurance on their home. Fortunately, we have agents who can help you get the proper kind of coverage, at a level that works for the assets you have and the way you want to protect them. While an insurance policy can’t stop something from happening to your home, it can help you make needed repairs and get back to living life again. If you’re in Central Kentucky, TruePoint Insurance wants to help you by making sure you have the right home insurance policy for your needs, current situation, and future goals. You don’t have to settle for less than a great policy that will help you feel good about your home and its level of protection. Reach out to us today, and ask any questions you have about insurance for your home. We’re here and we want to help you have confidence in your insurance policy. Whether you’re getting a new policy or reviewing an old one, our professional agents can meet your needs.

Who should get flood insurance in Kentucky?

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How much do you know about Flood Insurance? Learn more here.
Learn about flood insurance before the waters start to rise.

Anyone that lives in the Fisherville, KY area needs to carefully consider their home insurance needs. One form of insurance that should be considered is flood insurance, which will provide specific coverage if your home is damaged by a local flood. There are several situations when someone should get flood insurance on their property in this area of Kentucky

Anyone with Lender Requirement

Understanding mortgage requirements for flood insuranceFlood Zone, Flood Zone C, Flood Zone A, Flood Zone X, Flood Insurance. Kentucky Flood insurance
Does your home mortgage require flood insurance?

The first situation when someone in Kentucky should get a flood insurance policy is if they are required to have it by their lender. Mortgage lenders are aware of how serious flood damage can be. Due to this risk, lenders often require borrowers to carry flood insurance if they are in a flood zone. Depending on what flood zone you are in, the lender could require you to escrow payments monthly to ensure coverage. 

Needs to Cover Against Risk

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Flood Loss versus Cost. You do the math!

Even if there is a small risk for flood damage in your area, you should still consider getting flood insurance. If you do not have a mortgage or are not required to carry it, you should still carefully assess your risks and current insurance coverage. If you are near a waterway that could flood, you should consider getting an additional flood insurance policy to ensure you are fully covered at all times.

When you are looking to learn more about flood insurance in the Fisherville, KY area, you should speak with the team at TruePoint Insurance. Choosing a flood insurance policy can seem quite complicated and challenging. When you call TruePoint Insurance, the team of insurance professionals will be able to provide you with a full assessment to help you determine what type of insurance is right for you. They can then help you get into a policy that provides adequate coverage. 

Life Insurance for Seniors: What are Your Options?

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As you approach your golden years, you may find that your plan to provide for your dependents isn’t as solid as you’d like. In these cases, a customized life insurance strategy from TruePoint Insurance can help you create a better future for those you may leave behind. While age is an important factor, older residents in the Fisherville, KY area still have life insurance options that can build a stronger foundation for their dependents.

Be Realistic

Your age isn’t the only factor agents look at when considering life insurance coverage. Your agent will also look at your:

  • History of tobacco use
  • Gender
  • Health history
  • High-risk lifestyle activities
  • Driving record

Senior citizens with the right combination of factors can still find affordable and adequate life insurance coverage. Your insurance agent can help you understand how these factors affect your current options.

Try a Term Policy

Term life policies are contracts that provide coverage for a short period of time. The coverage period can be anywhere from a few months to several years. These contracts come with very specific coverage requirements. Your insurance agent can help you create a contract that covers your most likely scenarios to ensure your dependents receive full payment.

Bulk Up Existing Policies

Your existing life insurance coverage may not be enough to cover current circumstances. In that case, your insurance company may be willing to work with you to expand coverage.

Think About Survivorship Insurance

Survivorship life insurance is a highly flexible option for married couples with dependents. The shared risk generally decreases premiums and maximizes potential benefits. These contracts are designed to pay out when the last covered subscriber passes away.

Find the Best Strategy for Your Family’s Financial Future

TruePoint Insurance agents can help you find the life insurance coverage you need for your family’s future. We offer customized policies for residents in the Fisherville, KY area. Call us to talk about your life insurance options.

3 Tips to Stay Safe on the Water

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Boating season can bring out the best in Kentucky residents, especially those residing around Fisherville, KY. At TruePoint Insurance, we understand the water life and enjoy it with our clients. While we all enjoy days and afternoons out on the water, we also want you to remember three tips to stay safe while out on the water. 

Keep Your Life Jacket On

It is not uncommon to travel the Kentucky waters and catch boaters riding without their life jackets. In the event of an accident, the riders could potentially be thrown from the boat. With a life jacket, they will surface to the water and be able to breathe while getting to safety. 

Keep the Crowding Minimal

Each boat comes with a weight limit and a capacity amount based upon its size. A common issue that happens with boaters in Kentucky is overloading the boat with either people, supplies, or both, causing it to flip from the stress it is under. If you are planning to use your boat for fishing and hauling equipment, make sure sure that you do not carry too many people out with you. 

Leave the Alcohol Onshore

While you are operating your boat, you should not be drinking. The pressure and influence to drink while operating the boat are limited if it never comes onto the boat with your passengers. Leave the alcohol onshore and stock your boat instead with fresh bottled water and sports drinks to keep everyone hydrated while enjoying the water. 

Top it Off with Boat Insurance

One of the best ways to secure your boat, however, is to have boat insurance should you find yourself in an accident while out on the water. If you live in the vicinity of Fisherville, KY, call our agents at TruePoint Insurance for more information on our policy offerings. 

 

5 Expectations of Commercial Insurance Policies

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All insurance policies have unique ways of protecting you against financial loss. TruePoint Insurance can answer specific questions about coverage for your business. For now, this list of expectations of commercial insurance gives you an idea of the peace of mind your policy can provide.

1. Protection against the cost of property damage

This could include a combination of coverages depending on the policy type. In some cases, the commercial premises and expenses related to customer damages might be covered.

2. Absolution of production error financial loss

Sometimes mistakes happen that cost a company time and money because of product recalls. Other times, work may have to be redone if a failure takes place during service. Whatever the case, a business always benefits from having insurance that pays toward expensive mistakes.

3. The payout for equipment repair

Sometimes, a machine might stop while running a production line. Other times, point-of-sale systems or computers might stop working. These examples illustrate the kinds of repairs needed that some commercial insurance policies might cover.

4. Funding during a business interruption

Anything could happen in Fisherville, KY. In the unfortunate incident that a place of operation experiences a forced closure because of construction, a robbery, natural disaster, or other cause, some types of commercial insurance policies, in conjunction with other types of insurance, could pay for these types of expenses.

5. Money for unexpected legal fees

Workers’ compensation laws include requirements for Fisherville, KY employers. Usually, this includes provisions for any financial hardships that could occur if a worker has an injury on the job. However, a business often will obtain insurance that can cover the costs of legal fees in the event of a lawsuit. Certain law insurance inclusions would also pay for customer or competitor lawsuits.

Do you have questions about what kind of specific commercial insurance would benefit you while operating in Fisherville, KY? If so, contact a TruePoint agent today and find the peace of mind you need from day to day.

What Should I Do If I’m Involved in an Auto Accident?

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If you’re involved in an auto accident, there are several things you need to do before you leave the scene. Aside from calling the police and your insurance agent, the following steps are significant and will help you when you file your insurance claim. The agents from TruePoint Insurance can help residents of Lawrence and Fisherville, KY get the process started.

Pull Over to the Side of the Road

If you are involved in an accident on a busy street, the first thing you should do is move your vehicle (if possible) to the side of the road and out of the way of traffic. Move the cars a safe distance off of the road to prevent further injury or damage to your vehicles.

Exchange Information

The next step is to exchange your insurance information with the other driver. You will also have to share the information with the police officer for the accident report. Always make sure to get the other driver’s contact information, as well.

Take as many Photographs as You Can

If you want to document the accident properly, take pictures of both the scene of the accident as well as the vehicles involved. Photos that accurately show all of the damage to your car are beneficial, especially if you have to go to court.

In Fisherville, KY, the agents of TruePoint Insurance can walk you through the steps you need to follow if you are ever involved in an auto accident. Talk to the agents today so that you are fully prepared if and when an accident does occur.

 

How Having an Electric Vehicle Affects Insurance Rates

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Slow down your about to run out of cord
Why do electric vehicles cost more to insure?
Should electric vehicles cost more to insure

Did you know that your auto insurance rates can be different if you own an electric vehicle? In fact, in most instances, your insurance will be higher for an electric vehicle. Let’s take a look at some of the reasons why this is the case from TruePoint Insurance in Fisherville, KY.

Higher Costs of the Vehicle

On average, electric vehicles cost a great deal more than the more conventional automobiles. They can cost around 70 percent more on average, according to studies conducted by Nerd Wallet. The higher price tag means that the insurance company has to pay more if the vehicle is stolen or damaged.

High Repair Costs

It tends to cost more to conduct repairs on an electric automobile. This is because they have expensive battery systems and you have to bring the vehicle to a specially trained mechanic. Though these vehicles usually don’t need repairs as often, this definitely has an effect on how much its insurance is going to cost. 

Size of the Car

Electric vehicles typically are smaller than other automobiles. Since smaller cars often don’t offer as much protection in the event of a collision, they are sometimes deemed as higher risk vehicles. This can increase the amount you’ll be asked to pay for your car’s insurance coverage.

Even with the fact that you’ll almost certainly have to pay more for insurance, there are many benefits that come along with owning an electric vehicle. Your car may qualify for a federal tax credit of around $7,500, a big plus as it will offset what you pay for insurance. 

Be sure to ask plenty of questions to understand insurance for your electric vehicle. The team at TruePoint Insurance, serving the greater Lawrence and Fisherville, KY area, can answer your questions to make signing up for auto insurance less of a stressful experience.

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