Henderson KY Protection Class Information in the News

Vaughn Insurance had the opportunity to speak with the local TV stations about the revised protection class ratings for some of Henderson county fire departments.  We also provided information to the Gleaner to help spread the word about the revised protection class.

Below is a recap of how they covered the press information we provided.

25 News Reporter – Katie Wisely

14 News Reporter – Jessica Gavin
Tri-State News, Weather


The Gleaner – Frank Boyett

Frank’s map of the fire stations with additional details: Fire Dept. Mapping

Fire Dept Ratings

Fire Dept Letters – ISO

How has the new fire protection classes helped or affected you?

Henderson County Fire Protection Updates

After publishing our blog about Corydon fire department being reviewed by ISO and qualifying for a lower rate we found out that several fire departments were reviewed and have qualified for a lower public protection class rating from ISO.  What this could mean for you is a reduction in your property insurance premiums.

There is a new rating structure in place as well that will affect insurance premiums.  Two fire departments, Niagara & Zion, carry enough water that they have earned a rating of 6 without the requirement of a fire hydrant, but you still have to be within 5 miles of the station.  Others have a split class that will require you to be within 5 miles of the fire department and have a fire hydrant within 1,000 feet of your home to qualify for the best rating.

Here is a breakdown on the Henderson County Fire Departments and their new ratings.  The X denotes that you are within 5 miles but do not have a fire hydrant.  Anything over 5 miles is a 10 regardless of having a fire hydrant.

Fire Dept Ratings

Contact your insurance agent to find out how this rating affects your premium.  Some companies may choose to opt out of the X program, so the properties serviced by the fire departments with the X will still be rated a 9 if you don’t have a fire hydrant within 1,000 feet of your home.

Be sure and donate to your county fire department to help support them in their efforts to provide their service to your area.  Click here for contact information if you are interested in donating to your local fire department or applying to be a volunteer firefighter.

FD Service Boundaries

FD Service Boundaries


Corydon KY Fire Protection Improved

CCDFD-CollageAre you in the Corydon Civil Defense Fire & Rescue district?

If so, are you within 5 miles of the fire station?

Are you within 1,000 feet of a fire hydrant?

This could mean extra savings on your insurance premium starting November 1st. Contact our office for additional details.

Be sure and donate to your local county fire departments. They work hard to make sure they have the training and equipment to assist you in your time of need.

Read the Official Statement from Corydon Civil Defense Fire & Rescue (appeared on Facebook 8/5/2015).


Open Enrollment Explained (Health Insurance)

What does open enrollment mean? Does it have anything to do with Deer season?

Open enrollment is a period of time each year that you can or have to sign up for new health insurance benefits (if you don’t already have them) or change existing benefits. It has a lot to do with how old you are and if you receive Medicare benefits or not.

If you are on Medicare or over the age of 65 , your open enrollment for 2016 is October 15, 2015 to December 7, 2015. If you are enrolled in Medicare and a Medicare advantage plan (Part C) or have a prescription-drug plan (Part D) you can change your benefits or change carriers during this time.

If you have a Medicare supplement, you are not affected by this open-enrollment period. Many, however, that are on a Medicare Supplement carry a separate prescription-drug plan (Part D). A Prescription-Drug Plan (Part D)  can be changed during this open-enrollment period. Medicare Supplements can be changed anytime if meet health underwriting qualifications.

If you are under the age of 65 and not on Medicare, open enrollment for Kentucky kynect or Healthcare.gov runs from November 1, 2015 to January 31, 2016. If you do not have healthcare insurance, you can sign up for coverage between those dates.  If you have been on Kentucky kynect and have the carrier Kentucky Health Cooperative you will need to find a new carrier for 2016.  KHC will not renew policies for the 2016 benefit year. For more information about KHC ceasing to operate see this Kentucky Department of Insurance FAQ. You must select a new carrier (company) and plan by December 15, 2015 for coverage to be effective January 1, 2015. There are fines for not having health insurance.

If you have any questions about these “open enrollment” dates or Health Insurance, please contact us!

OK, now for what you really want. When is the open season for DEER in Henderson KY? See this document from Kentucky Department of Fish & Wildlife Resources.

Insuring Personal Electronic Articles (SmartPhone & iPhones)

iphoneA policyholder that lost his iPhone unfortunately found out that a homeowners’ policy usually does not cover losing or misplacing an iPhone (or any electronic device).  Contrary to what the Apple and ATT representatives said in comfort when the iPhone was reported missing, it is NOT covered most the time if you lose, misplace or break it.

Homeowners’ policies do cover electronic devices (including the iPhone) for such losses as fire, theft—but just losing or misplacing an iPhone is not covered.

If the iPhone was covered under one of the above perils the deductible (usually around $500 to $1,000) would apply.

So how can we go about getting electronic devices covered without having to first meet a deductible? Insurance for electronic devices can be added  to the homeowners’ policy like we do for jewelry, cameras, coin collections and firearms. The cost usually is approximately between $30 and $50 per year and varies per company.  Most all of our partner companies allow us to individually list and insure these electronic devices.  Once an item is scheduled on a homeowners’ policy no deductible will apply to the loss.

One of our partner companies, State Auto, offers and endorsement to the homeowners’ policy that provides this coverage, plus many other coverages.  Their coverage has no deductible and no hassle, plus it doesn’t go against your homeowners’ insurance if you have a claim.  State Auto’s “Prime of Life” coverage is free for Auto & Home customers over the age of 45 and is available for approximately $60 a year ($5 a month) for those under 45.  All of your phones would be covered with this, so if you are currently paying for cell phone coverage with your wireless provider this could be potential savings for you.

Did you know:

  • 35% of Americans owned a SmartPhone in 2011. Just 4 years later that figure is now 71%.
  • 92% of Americans have a cell phone of some kind… including 75% of people over the age of 65.
  • in 2005 only 6% of people aged 50-64 used Social Media. Just 10 years later it’s now 70%.

Please contact us if you would like more information about scheduling coverage for your electronic equipment.

InsWeb Blog about this issue

[VIDEO] Blues and Barbecue, Milkshakes and Magic (2015)

We had a great time volunteering with fellow Independent Insurance Agents at the Java Shake booth for our local WC Handy Blues and BBQ Festival that is going on this weekend (June 18 to June 20, 2015).

Yes, Norris Priest was showing magic tricks!  Watch the video below.

Electronics Recycling in #HendersonKY

hestcDo you have an old computer, stereo, or appliance that you are about to toss?

Henderson has a better solution to dropping it off at the landfill or placing it in the trash.

The Hugh Edward Sandefur Training Center offers to take most computer equipment and common household electronics/appliances. The items are disassembled and separated into different categories where they are sent off to recycling facilities.

They are located at 1449 Corporate Ct., just off of Sand Lane.  Phone 270.827.2401

It is recommended that you call ahead to arrange a drop off time.

Tree Safety in Storms

A single weak or diseased tree can cause danger to your home or family, and may even knock out power to your neighborhood. A Travelers Safety Specialist shares information and tips to help keep your property safe.

Start of Summer Safety Tips

Burning Down the House’ Should Be Party Soundtrack, Not Your ResultQuick question: What national event will be celebrated by millions of Americans on Memorial Day weekend?

Hint: It involves major partying, extreme danger, risk of major injuries, and bone-crushing crashes.

Another hint: “Gentlemen, start your…”  GRILLS!

Yes, friends, this year May 28 is the official kickoff to outdoor BBQ season. Maybe you were thinking the Indianapolis 500? Hah! When it comes to thrills and danger, nothing trumps a fired up, hard-partying bunch of folks gathered round the grill. Add in a pool or a crowded deck or balcony, and keep those ambulances and your homeowners insurance on call.What can go wrong?According to the National Fire Protection Association, here is the cookout track record from the last five years:
  • U.S. fire departments responded to an average of 8,200 home fires involving grills, hibachis or barbecues per year, including an average of 3,400 structure fires and 4,800 outside fires. These 8,200 fires caused an annual average of 15 civilian deaths, 120 civilian injuries and $75 million in direct property damage.
  • More than one-quarter (29%) of the home structure fires involving grills started on a courtyard, terrace or patio, 28% started on an exterior balcony or open porch, and 6% started in the kitchen.
  • In 50% of the home outdoor fires in which grills were involved, 55% of the outside gas grills, and 36% of gas grill structure fires, the fire started when a flammable or combustible gas or liquid caught fire.
The good news? That homeowners policy recommended by your Trusted Choice® independent insurance agent will cover accidental damages such as the above whether you burn down your house or the whole neighborhood. It also will respond for liability arising from that party near the pool or the deck or balcony that collapses under the strain of all those partying guests.But you, we, your guests and we really would prefer no fire or hospital trip, so here are a few safety and prevention tips:Grilling Safety
  • Grills are for outside, only. Never barbecue in your trailer, tent, house, garage, or any enclosed area. The carbon monoxide also may accumulate and kill you.
  • Use in well-ventilated area. Avoid fire hazards as well as potentially fatal carbon monoxide poisoning by setting up your grill in an open area that is away from buildings, overhead combustible surfaces, dry leaves, or brush. Be sure to avoid high traffic areas and be aware of wind-blown sparks.
  • Keep grill stable. Be sure that all parts of the unit are firmly in place and that the grill can’t be tipped over.
  • If electrically-operated accessories are used (rotisseries, etc.), be sure they are properly grounded in accordance with local codes. Electrical cords should be placed away from walkways or anywhere people can trip over them.
  • Use barbecue utensils with long handles (forks, tongs, etc.) to avoid burns and splatters.
  • Wear clothing that does not have hanging shirt tails, frills, or apron strings that can catch fire, and use flame-retardant mitts when adjusting hot vents.
  • Use baking soda to control a grease fire and have a fire extinguisher handy. A bucket of sand or a garden hose should be near if you don’t have a commercial extinguisher.
  • Never leave a grill unattended once lit.
  • Don’t allow anyone to conduct activity near the grill when in use or immediately following its use. The grill body remains hot for as long as an hour after being used.
  • Never attempt to move a hot grill. It’s easy to stumble or drop it and serious burns could result. 
Pool Party SafetyMake sure there’s a phone nearby. In the event of a life-threatening emergency, having a point of contact within arm’s reach could very well be the difference between life and death.
  • Designated a “guard.” When children are in the pool, make sure there’s always an adult supervising. If there’s more than one adult, they can alternate lookout shifts. Anyone who’s “on duty” should refrain from consuming alcoholic beverages.
  • If you’ll be playing any games during the pool party, hold them at a considerable distance from the water to prevent accidental falls.
  • Keep plenty of sunscreen, towels, and extra T-shirts on hand to protect tender skin from getting burned by UV rays.
  • Anyone with a swimming pool on the premises should be fully trained in CPR (cardiopulmonary resuscitation).
  • Instruct swimmers to remain clear of any pool drains or filters that may pose hair-catching hazards.
  • Make sure that all standard rescue equipment, such as flotation devices and safety poles, are nearby during your summer party. Although these tools should be easily accessible, they shouldn’t be kept in a place where children could be encouraged to use them as toys.
  • When serving poolside meals or drinks at your summer party, use plastic glasses and tableware rather than glass, as the latter potentially could shatter and fall onto the pool deck or into the water.
  • Nothing boosts the energy of a pool party like summer music, but be sure that all CD players, stereos, and other electronics are kept at a safe distance from the water to prevent electrocution.
  • In the event of a thunderstorm, evacuate the pool and move the party indoors.
  • Restrict diving to designated areas with sufficient depth and proper diving boards. Never let anyone dive off the edge of the pool or into shallow areas.
And to be certain your current homeowners coverage limits are equal to your grilling ambitions, talk with us here at Vaughn Insurance Agency about any questions you might have preventing summer time claims situatations.This article was written by our Trusted Choice® partners.Our offices will be closed Memorial Day however our phones are answered by a licensed insurance professional, please contact us if you need claims or policy service.
original post 5/25/201206, 6/8/14

Backup of Water/Sewer and Sump Pump Overflow

There are many endorsements that can be added to a homeowner’s policy.  One being Backup of Water / Sewer – Sump Pump Overflow.  This coverage is not automatically included under a standard homeowner policy, but can be added back in with this endorsement.  The limits usually go in $5,000 increments with some companies offering as much as $50,000 or more.


Photo courtesy of Midwest Basement Tech.


This coverage can be critical for homes with a basement, whether finished or not.  However, a home without a basement can also have a potential back up of water or sewer.


Please email or call our office to discuss this or any coverage for your home, auto, life, health or business insurance.  We appreciate your business.


Have you had a backup of water / sewer or sump pump overflow?

Vaughn Insurance Agency Co • 315 N Main St, Henderson, KY 42420 • 270.827.3505 •Trusted Choice | Privacy Notice
We are licensed to write insurance in the following states: Kentucky, Indiana & Illinois