As is the case in virtually every other state, insurance companies in Kentucky don’t offer flood insurance to homeowners. Instead homeowners who are interested in this type of coverage can speak to their insurance agent about buying a flood insurance policy separately. This should really only be a consideration if the home is located in an area of the state where flooding poses a real risk.
If you are looking for a standard homeowner’s insurance policy in Kentucky a great place to turn to is the Internet. There are many resources available that directly relate to this particular type of insurance. Not only will you be able to find quotes, but you’ll also find valuable information pertaining to saving money on the insurance.
One of the most effective ways to get cheap homeowner’s insurance online in Kentucky is by taking advantage of discounts. Discounts are available for every type of insurance and home and renter’s insurance is no exception.
Some of the common discounts, that almost all companies offer, include those for deadbolt locks on exterior doors, smoke alarms, fire extinguishers and storm shutters. Some companies in Kentucky also offer a percentage reduction for homes that are located near fire hydrants or fire houses as these homes have less of a risk when it comes to fire damage.
If you are a senior or you work from home, consider yourself lucky. The majority of homeowner’s insurance companies in Kentucky will offer a premium reduction for folks who are at home most of the time. If this is the case with you, be certain to make note of it when looking for quotes.
Once you do decide on a company, do a little background research on them to ensure that they have a solid reputation in the state. Although you do want to find a cheap insurance policy you also want to be certain that the company you choose will be there to back you up when you need them.