First Insurance Group
Home Page

Free Insurance Quotes Auto Insurance Home Insurance Commercial Insurance Life Insurance Health Insurance

Home With Green LawnIf you own a home, a home insurance policy really is a must. Home insurance policies can protect you against property damage and liability expenses on your premises, which can ease the financial burden these incidents might otherwise bring.

Still, home insurance doesn't cover everything. Here are some things that are either excluded from home insurance coverage entirely or only covered in a limited scope.
  • Valuables: Certain valuables — such as jewelry, furs, silverware, firearms and fine artwork — have coverage limitations. If your valued items are worth more than a standard policy will cover, you can purchase extra coverage in the form of policy endorsements or contents coverage.
  • Flood Damage: Flood coverage is excluded from most standard home insurance policies. If you live near the coast or in an area prone to floods, you'll need to purchase a separate flood policy in addition to your home insurance policy. Remember, flood insurance has a 30-day waiting period, so do not wait to buy it in the days before a flood is predicted.
  • Personal Medical Expenses: While home insurance covers the medical expenses of guests who are injured on your property because of liability responsibilities, it does not cover your own personal medical expenses. Get a health insurance policy to cover these expenses.
  • Mold Damage: You are responsible for repairs and upkeep of your home and property. Since mold damage is often the result of poor upkeep (or a leaky pipe), it isn't covered under home insurance policies. However, if mold becomes a problem after a flood, your flood insurance can cover the damages.
Protect your home with a home insurance policy today. Call First Insurance Group at (502) 348-5921 for more information on Lexington home insurance.
Share |

No Comments

Post a Comment
Required (Not Displayed)

All comments are moderated and stripped of HTML.
Submission Validation
Change the CAPTCHA codeSpeak the CAPTCHA code
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015
  • 2014

View Mobile Version
First Insurance Group
Home | Get a Quote | About | Customer Service | Claim | Contact

First Insurance Group
Main Office 2520 South Highway 27 | Somerset, KY 42501 | Phone: (606) 679-3570
Bardstown 107 Lincoln Way | Bardstown, KY 40004 | Phone: (502) 348-5921
Frankfort 1510 Louisville Rd | Frankfort, KY 40601| Phone: (502) 223-5100
Nicholasville 508 North Main St, Suite C | Nicholasville, KY 40356 | Phone: (859) 885-9454
Richmond 312 Jason Dr Suite 3 | Richmond, KY 40475 | Phone: (859) 623-6692
Glasgow 605A Happy Valley Road | Glasgow, KY 42141 | Phone: (270) 651-5723
Danville 811 S Fourth Street | Danville, KY 40422 | Phone: (859) 236-5192

© Copyright 2017. All rights reserved. Powered by Insurance Website Builder
Get A Quote Find an Agent Locations
Facebook Twitter LinkedIn google maps for somerset