Home Insurance in Kentucky

It can be frightening to enter the home market. It is a huge investment, probably the biggest one you will ever make. It can be a short-term investment or a home you will live in for many years. It needs to be protected from all the things that can and will go wrong. Roark Insurance Agency in Flatwoods, KY will give you the protection you require.

Protect Your Home

Home insurance is not mandated by the state, which means if you don't have a mortgage, you are not required to insure it. If you have a mortgage, your lender will require that you carry home insurance. Even if you are not mandated to carry home insurance, it is a good idea to protect your investment.

Home insurance covers your home for many hazards that could damage it. Some basics that it provides coverage for include:

  • Theft
  • Vandalism
  • Fire
  • High wind
  • Lightening
  • Smoke damage

Home Insurance Coverage Options

The four basic types of coverage provided by home insurance are property, content, liability, and loss of use.

Property insurance covers the physical building itself. It also covers other structures on the property or attached to the primary structure, such as garages, sheds, etc. What it won't pay is wear and tear so it will replace a roof that is damaged by a tree limb, but not one that is just old.

Content insurance covers your personal possessions, electronics, jewelry, furniture, small appliances that are not built-in, and more.

Liability insurance protects you from legal action against you by someone who is injured at your home or by a member of your family. It also covers legal fees.

Loss of use covers lets you go to a hotel after a covered hazard makes your home uninhabitable. It does have limits, so it may require that you find a rental if it is going to take a while.

Get A Free Quote

Contact us at Roark Insurance Agency in Flatwoods, KY to get a home insurance quote today. You can also use the tool on our website. Give us a call, and we will be happy to discuss your options.