Coverage
Personal Lines
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Auto insurance is required by state law in both
Kentucky and Indiana. Coverage applies to a specific
vehicle. You can obtain more information
regarding auto insurance and request a quote from SCI
here.
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Motorcycle coverage differs significantly from auto insurance
in availability, coverage, and cost. Don't assume the lowest
premium represents the best value. You can obtain more information
regarding motorcycle insurance and request a quote from SCI
here.
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In general, homeowners insurance covers most types of damage to
your home and its contents unless the damage is specificly
excluded (earthquake and flood damage are typically excluded)
and usually includes liability coverage
for injuries or losses other occur as a result of being in or on
your property. You can obtain more information
regarding homeowners insurance and request a quote from SCI
here.
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Dont get caught thinking you don't need or can't afford renters
insurance. Premiums are cheap compared to the cost of replacing your
personal electronics, furniture, clothing, and other property in the
event of fire, theft, or other loss. You can obtain more information
regarding renters insurance and request a quote from SCI
here.
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Unlike homeowners which covers most losses with specific exceptions,
Dwelling Fire covers only damage from perils specified in the policy
(fire, hail, and lightning are typical). Dwelling
Fire policies typically do not cover contents or liability. You can obtain
more information regarding dwelling fire insurance and request a quote from SCI
here.
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Your condo association or co-op may have building and liability coverage
but that does not protect the interior of the condo, it's contents, or
your personal liability. Unlike a renter, condo owners are typically
responsible for their interior walls and fixtures. You can obtain
more information regarding condo/co-op insurance and request a quote from SCI
here.
Boat/Personal Watercraft
Insuring your boat or personal watercraft is the responsible thing to do. Boat/PWC
coverage can protect you against the cost of damage from accidents or vandalism, theft, loss
of personal property, medical coverage for you, and medical and
property damage liability coverage for others. Call us at
270-852-4846 for more information-
Your motorhome insurance needs vary significantly depending on how
you use your rv. Whether you use it for quick trips, cross country
travel, or as a permanent residence we can make sure you have
appropriate coverage. Call 270-852-4846 to discuss your needs.
Dental
A good dental policy helps eliminate the worry about unexpected expenses.
Act now as most policies have signifcant waiting periods before they go into effect.
Call Shane, Karen, or Tommy at 270-852-4846 to have your questions answered.
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Umbrella
Umbrella coverage picks up where your other policies leave off. Your auto and homeowners
liability limits are fine for most minor accidents, but what happens if liability excceds
the amount of coverage. Umbrella coverage works with your other policies to shield you
from the cost of a major accident. Call Shane to discuss your current policies and find
out if an umbrella is the right kind coverage for you.
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Floaters - Jewelry, Fine Arts, Etc.
Homeowners or similar policies typically limit the amount of coverage for personal
property in several catagories (jewelry, furs, cameras, musical instruments, antiques,
silverware, golf equipment, postage stamps, and rare/valuable coins are typical).
Floaters, also referred to as riders or endorsements, are additions to your coverage for
one or more asset type. If you're concerned your current policy does not adequately cover
your property contact one of our agents at 270-852-4846 to see if a floater is appropriate.
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In-Home Business
Many people rely on their homeowners insurance to cover their home based business or
home/office. In most cases this is a major mistake. Most homeowners policies specificly
exclude the following; business equipment over a set amount, liability coverage for
clients, employees, vendors, or others present due to the operations of a business.
In-Home Business insurance plugs these holes in your coverage and may provide other
as well. Discuss your needs with us 270-852-4846
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Long Term Care
As the U.S. population ages the cost of long-term care continues to sky rocket. It
is estimated that the odds of any individual needing long-term care during the course
of his/her life is nearly 50%. Medicare does not pay for most long-term care expenses and
Medicaid pays only for those individuals with out cash or other assets. If the potential
costs of long-term care concern you call us at 270-852-4846.
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Identity Fraud
Identity fraud or identity theft is the fastest growing criminal activity in the U.S. While
the victim of identity fraud has limited liability for the money stolen, there are significant
costs involved in proving the fraud and taking the appropriate corrective actions. Coverage
varies from carrier to carrier but typically covers lost wages, bank fees, attorneys fees,
and miscellaneous costs such as certified mail, long-distance charges, and other fees.
Contact Shane for more information about this protection.
Commercial Lines
Property
General Liability
Work Comp
Commercial Auto
Crime
Directors & Officers
Employment Practices
Contractors Equipment
Specialty Risks
Employee Benefits
Life
Health
Short Term Health
Disability
Long Term Care
Dental
