A reliable Kentucky homeowners insurance policy should include coverage for the things you keep at home, not just the structure of your house (though that's important!). At Esurance, we provide an extensive mix of coverages that come standard with your home policy.
Personal property protection
Worried about the safety of your electronics, fancy kitchen appliances, first-edition hardcovers, and more? Your policy protects your everyday items — in addition to clothes and furniture — so you don't need to worry about paying to replace your stuff if they're damaged or stolen.
Not sure how much personal property protection you'd like? Take a home inventory and see how much stuff you have and what it would cost to replace everything.
Kentucky is prone to scorching summers and below-freezing winters, which could leave your house vulnerable to the elements. Fortunately, your policy guards against hazards like hail, wind, and more, and pays for repairs to your home if it's damaged by certain types of severe weather.
When deciding on your dwelling protection limit, consider getting at least enough coverage to cover the total cost of rebuilding your house.
Additional living expense coverage
What if a covered loss like a kitchen fire leaves your home temporarily uninhabitable and you need to stay elsewhere in the meantime? We'll help cover your hotel bill, food costs, and other reasonable expenses for up to 12 months (up to your limit), or until it's safe for you to move back in.
Other structures coverage
When you choose an Esurance policy, you even get protection for other structures on your property, like a gazebo or carport. Greenhouse gets damaged by a hailstorm? This coverage can help pay to restore it to its former greatness.
Family liability protection
Your policy covers accidental injuries or damages you (or someone on your policy) cause to someone else's property. This coverage even helps pay liability costs like legal fees, medical bills, and settlements.
There's no deductible associated with this coverage, so you can keep that money in your pocket. Plus, you can always increase your liability coverage limit if you'd like.