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Auto insurance

Your car is one of the most valuable possessions you own, and one of the most important. Choosing the right insurance policy in Okolona Kentucky, can protect your investment and keep you on the road in case of accidents, theft, lawsuits or other auto-related damage. High-quality coverage shouldn't have to break the bank.

Our elite network of independent insurance agents can show you a range of coverage options and prices. We are licensed to work with multiple auto insurance providers, and that means we make the big guys compete for your business. Find an agent above to start shopping, whether you need state-mandated minimums or maximum protection with low premiums and deductibles.

Home insurance
Renter's insurance
Condo insurance
Motorcycle insurance
Life insurance
Business insurance
And more...

There are two big myths about renters insurance. One is that it’s too expensive and the the second is that it’s not needed.

Not having renters insurance is a pretty big gamble, considering that without it you face the cost of replacing your personal belongings after an event such as fire or theft. . Furthermore, you could face the possibility of defending yourself in a lawsuit because of some accident for which you might be held legally responsible.

Usually for just a couple hundred dollars annually you can protect your personal belongs. But many renters still don’t believe they need such renters insurance. A survey conducted by Cambridge Reports, Inc. for the Insurance Information Institute found that fewer than three out of every 10 renters have renters insurance.

Many renters mistakenly believe their landlord’s insurance will cover their own belongings. In fact, it would be extremely rare for a landlord’s policy to insure atenants’ property.

To determine the amount of insurance coverage you’ll need, take a thorough inventory of your personal items. An insurance agent can help with this by estimating the total value of your property. You’ll also need to decide whether to purchase depreciated or limited replacement cost coverage. Depreciated coverage is the cost to repair or replace your belongings minus depreciation. Let’s say you bought a quality sofa with an expected useful life of 10 years. If it’s now five years old and would cost about 1,000 to replace, you could expect to receive about $500 (less deductible) if your sofa was destroyed by fire. You would pay slightly more for limited replacement cost coverage, but you could expect to receive $1,000 for your sofa minus your deductible.

Keep in mind that many types of personal property coverage are limited in terms of dollars. Renters insurance also gives you personal legal liability coverage and medical payments to others who are accidentally injured while in your home, apartment or elsewhere if the injuries are caused by your actions. And, if you are forced to live elsewhere because of destruction to your residence because of a covered loss, renters insurance covers additional living costs.

Remember, you may not own the building in which you live, but you still need to have insurance to protect your property in the case of fire, theft or other hazards. Contact your insurance agent for further information.

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