Do I need it? With today’s society, it is common place for you to hear about someone being sued. Could that person be you? Possibly. Do you have enough money to cover the damages? Maybe. Can you buy extra coverage just in case? Yes. Is it expensive? No. Something really big is punitive damages. We all know about the case where the lady … [Read more...]
Personal Umbrella Insurance – What is it? Do I need it? Part 1
Those are two really good questions and neither one is a simple answer. What is an Umbrella policy? An Umbrella policy is designed to give you additional liability coverage, should you find yourself in a lawsuit due to an accident or claim and your home or auto policy does not have enough coverage for the damages being sought. All policies are not created equal, so … [Read more...]
Texting while driving – Driving while distracted
Ok, a lot of us can admit that we have all done something that has caused us to take our eyes off the road while driving. Be it eating a fast food sandwich, changing the radio station, answering or placing a call on your cell, but this video released about Texting while Driving is a real eye opener. Take a moment and watch this video below. Then take a moment and … [Read more...]
Surface Mining – Blasting in your neighborhood?
Eastern Henderson County (Hebbardsville KY Area) has some above ground mining going on presently (2009). Mining companies are using explosives to mine the coal out of the open area. Several of our policyholders are concerned. Our best advice to the policyholders is to document the condition of the home prior to the blasting with pictures and … [Read more...]
Ice Storm Causes Entire City to be "Under state of Emergency"
Due to the entire county of Henderson Kentucky (KY) being under a state of emergency our physical office is closed today. We do offer multiple client service options for our clients to communicate with our agency: 1. Telephone: Our main switchboard line 270.827.3505 is staffed by licensed agents awaiting your calls to answer questions about claims. 2. Internet: We maintain … [Read more...]