Homeowners Insurance
Owning a home is an amazing accomplishment and the result of hard work and careful planning. When you buy a home, it only makes sense to protect your investment with homeowners insurance. Our agents at Daniel Fabulic Agency listen to our clients’ needs to find them the best-suited homeowners insurance options. As an independent agency in Louisville, KY, we are not limited to any single carrier as captive agents are. Our team will shop various carriers to find you the combination of coverage and price that meets your exact needs. We promise to go above and beyond to ensure that your property is protected and you feel secure without breaking the bank. Additionally, bundling your home and auto insurance is an excellent way to save even more money on your insurance needs! Contact us to speak privately with an agent and receive a free quote for your home.
The Right Level of Homeowners Insurance Coverage
Your homeowners insurance is designed to protect your home and property financially after the unexpected occurs. It also protects you financially if someone else sustains an injury or property damage while in your home or on your property.
When you work with an agent at Daniel Fabulic Agency, we can help you choose the right level of coverage for your home and personal property. We help our clients make detailed, itemized lists of their belongings so we can set coverage limits appropriately. We will also help you choose limits for medical and legal coverage if someone is injured or sustains property damage while on your property.
Property Coverage and Additional Living Expenses
Your policy is designed to protect your home; that is, the structure that is your house or condo and any other structures on your property. It also protects the belongings within your home, including your electronics, furniture, jewelry, collectibles and items of sentimental value. Your insurance policy will pay out a claim to repair or replace your home and personal property if they are listed in your coverage agreement. It will also help pay for additional living expenses, including costs for housing and relocation while your home is repaired.
You are probably curious what events are caused by your homeowners insurance policy. Most policies in Kentucky cover damage or loss caused by:
- Fire
- Hail
- Wind
- Lightning
- Robbery
- Vehicle or aircraft collision
- Vandalism
It is important to note that flood insurance is most commonly not covered in a homeowners insurance policy. Your agent at Daniel Fabulic Agency can help you apply for flood insurance through the National Flood Insurance Program so you are fully covered against disaster.
Personal Liability and Medical Coverage
Personal liability and medical coverage are designed to protect you from potentially enormous costs relating to an injury or property damage another person incurs on your property. Personal liability coverage covers fees for legal representation if you are sued because of an incident and will pay the claim if you are found responsible. We can help you determine what limits make sense for your family to protect you from serious financial obligation after an incident.
Medical coverage financially protects you if a person sustains an injury on your property, regardless of if the injury was your fault or the individual’s fault. Keep in mind, medical coverage does not cover you or your family members. You should ensure that you have proper health insurance to cover these types of costs.
Trust Us to Protect Your Most Valuable Assets
We offer the personalized service that can make the difference between a great and a subpar experience choosing a homeowners insurance policy. Our independent agents are here to answer your questions and support you at every step of the way. In the unfortunate event that you need to find a claim, we can help facilitate the process so that you can get back to living your life, sooner. Contact Daniel Fabulic Agency today about your insuring your home Louisville or nearby Kentucky.
