Coverage Options
Personal insurance products
Each product page explains what the coverage is, who needs it, what it costs, and what it doesn't cover - in plain language.
Home Insurance
Covers your home, belongings, and liability. Required by most mortgage lenders. Does not include flood or earthquake.
Learn moreAuto Insurance
Liability, collision, and comprehensive coverage. Kentucky requires minimum 25/50/25 liability plus $10K PIP.
Learn moreRenters Insurance
Protects your belongings and liability as a tenant. Typically $15–$30/month. Many landlords require it.
Learn moreUmbrella Insurance
Extra liability protection above your home and auto limits. $1M coverage for around $200–$400/year.
Learn moreFlood Insurance
NOT covered by standard homeowners. Separate NFIP or private flood policies. Required in FEMA flood zones.
Learn moreMotorcycle Insurance
Liability, collision, and comprehensive for your bike. Kentucky requires same minimums as auto (25/50/25).
Learn moreBoat Insurance
Covers your watercraft, equipment, and liability. Not required by Kentucky law but typically required by marinas and lenders.
Learn moreClassic Car Insurance
Agreed value coverage for collector and antique vehicles. Requires limited mileage and enclosed storage.
Learn moreEarthquake Insurance
Western KY sits on the New Madrid Seismic Zone. Standard homeowners excludes earthquake damage.
Learn morePet Insurance
Reimburses vet costs for accidents and illness. Avoid choosing between your pet's health and a $3,000+ surprise bill.
Learn more