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.
Kentucky is prone to scorching summers, below-freezing winters, and even averages 21 tornadoes a year, all of 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.
Family liability protection
Your policy covers accidental injuries or damages you (or someone on your policy) cause to someone else's property. This coverage could even help 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.
Other standard coverages in the Bluegrass State include:
- Personal property protection
- Additional living expense coverage
- Guest medical protection
- Other structures coverage