Insurance quotes and assistance

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Auto Insurance

Commercial Auto Insurance and Personal Auto Insurance
Keeping Auto Insurance Premiums Low
Take Advantage of Insurer Websites
Am I The Only One That Thinks Auto Insurance Rates Are Freaking Ridiculous?!
Flustered About Auto Insurance?
Auto Claim DENIED…WTH!!!
How much auto insurance do I need?
Do all states have a mandatory auto insurance minimum?
How do I get the best policy value for my money?

Health Insurance

Health Insurance Decisions
Do you need health insurance?
Indemnity Plans
Health Insurance Dissected…Lighten Up!
5 Things Every Health Insurance Policy Holder Needs to Do Now
Tips for Working with Customer Service
What are the most popular types of health insurance plans available?
What exactly does my health insurance premium pay for?
What is a main hospital plans?

Home Insurance

Renters Insurance Stripped
Whose Home Insurance is Responsible?
Umbrella Insurance
Expecting Home Insurance Premium Increases
5 Steps Home Insurance Policy Holders Must Take Now
What Home Insurance doesn’t Cover
Do I have to have home insurance?
How do I get the homeowners policy that gives me the best value for my money?
What if someone is injured on my land?

Life Insurance

Don’t Screw Up Your Life Insurance!
The Case for Term Life
Lying to Insurers
It’s Time To Stop Bashing Life Insurance Coverage! Have You Got A Better Solution?
Should You Sell Your Soul To The Insurance Company In The Pale Moonlight?
Do You Need a Trust?
How much life insurance do I need?
How do I get a life insurance policy that offers the best value for my money?
Should my spouse and I have separate life insurance coverage?

Kentucky Insurance Guide

Kentucky is home to the world famous Kentucky Derby and Kentucky Fried Chicken as well as the less famous Vent Haven ventriloquist dummy museum. And while they may have a museum for dummies, Kentucky insurance regulations for auto, life, health and home are by no means dumb.

Kentucky Auto Insurance

Kentucky auto insurance regulators have created a no-fault auto insurance state that does not require uninsured motorist coverage but does require personal injury protection (PIP). In addition, Kentucky auto insurance regulations also require both bodily injury liability insurance and property damage liability coverage.

The minimum amount of property damage liability that consumers can buy is $10,000. For bodily injury liability, the minimum for a single-persona accident is $25,000 and $50,000 for a multiple person accident.

Kentucky Health Insurance

Kentucky health insurance regulators have not placed any requirements on insurers in the state to cover pre-existing conditions in individual policies. They do have a high-risk pool for those who are uninsurable and they allow Health Savings Account (HSA) contributions to be deducted from state income tax liabilities.

Small groups in Kentucky can get group health insurance coverage for groups as small as 2-people. Pre-existing conditions can be excluded from group coverage for up to 12 months if the insured has had a 63 day or longer break in coverage over the past 6 months. Small group rates are insulated from large increases by the existence of rate bands.

Kentucky Home Insurance

Unless you have a loan against your home, Kentucky home insurance is not required. And if you do have a loan, the coverage is required by your lender so make sure you read your documents to determine what coverage you must have. All Kentucky homeowners should be especially concerned with their tornado coverage since this is the most common natural disaster to cause property damage to residents.

Kentucky Life Insurance

Kentucky life insurance policyholders are protected from the sudden bankruptcy of their insurers by the Kentucky Life and Health Insurance Guaranty Association created in 1978. The association protects up to $100,000 in cash surrender value and $300,000 in death benefits if an insurer should be unable to pay claims.




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