Home Insurance in Kentucky

For many Kentuckians, their home represents their most valuable asset. Empower Financial Group, your local insurer, provides a variety of homeowner's insurance options to protect your residence from damage and perils. We offer policies perfectly suited to the needs of our friends and neighbors in Florence, KY and nearby northern Kentucky communities.

Covering Your Kentucky Abode

Whether you seek insurance for a home you plan to purchase or are considering your coverage options for a residence you already own, the team at Empower Financial Group looks forward to discussing the options available to you.

Homeowners with mortgages must maintain adequate coverage required by their lender. Although the law does not require coverage for homes without mortgages, home equity loans, or similar lines of credit, a policy from Empower Financial Group offers protection from possible liability lawsuits, hazards, and catastrophic weather events.

Policy Considerations

The price and availability of home insurance coverage depend on a variety of factors. These include:

• Age and location of the home.
• The physical condition of the structure.
• Contents within the residence.

Policies generally cover the costs of repairing or replacing your dwelling after a covered event takes place, offer funds to replace some items that may be stolen or damaged, and provide some level of personal liability coverage for incidents involving injury or property damage. Policies often include provisions for loss of use if you need to leave your home and endorsements for some medical costs after certain injuries.

You should consider risk factors that may affect your property. These include wild weather events, such as hail and tornadoes. Earthquakes and sinkholes are usually not covered, though endorsements that cover these events are often possible. Flood insurance also requires separate coverage.

Get An Obligation-Free Quote

The professionals at Empower Financial Group are able to assist you with your home insurance needs. We understand the homeowner insurance needs of the Florence, KY community.