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Home > Home Insurance in Louisville, Lexington, and Georgetown KY

Homeowners Insurance


Homeowners Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Homeowners Quote Form

Homeowners Insurance Information

Home Insurance in Louisville, Lexington, and Georgetown KY

Your Local Kentucky House Insurance Provider


A homeowners insurance policy can help reimburse you for property damage at your home caused by covered perils. It can also assist with covering medical bills and legal fees if you’re held responsible for causing third-party bodily injury or property damage.  

Without homeowners insurance coverage, you could face costly out-of-pocket expenses. Contact Owens Insurance Agency in Morehead, Kentucky, to learn more about our homeowners insurance options.  

How Homeowners Insurance Works 

 

Homeowners insurance, also called home insurance, is a package policy that can provide financial protection from personal liability claims or property damage losses. It can also help pay for additional living expenses if property damage forces you to temporarily vacate your property.  

A homeowners insurance policy is a legally binding agreement between you and your insurance company. As long as you continue to make premium payments, your insurer agrees to pay for covered losses up to your policy limits.  

You may be able to save money by bundling your home and auto insurance with the same company. Ask your insurance agent if you’re eligible for a multipolicy discount.  

How Do Homeowners Insurance Claims Work? 

 

To be reimbursed for a loss at your property, you can file a claim with your insurance company. The claim filing process may vary with the type of claim (e.g., property damage, liability) and insurer. Your insurance company will then approve or deny your claim per your policy agreement. If your claim is approved, you will usually be assigned an adjuster who will help you receive your policy benefits.    

When Do You Need Homeowners Insurance? 

 

Homeowners insurance is not legally required in any state; however, most mortgage lenders require it to finance your home. Generally, a mortgage lender will require you to buy homeowners insurance to protect their investment in your property. The amount of homeowners insurance you need may vary depending on your lender.   

How Much Homeowners Insurance Should I Have? 

 

Even when homeowners insurance is not required, you should consider purchasing a policy, as it can help protect you and your family from financial hardship and personal liability lawsuits. When deciding how much homeowners insurance coverage to buy, you should consider the cost to repair or replace all of your belongings and to rebuild your home if it’s destroyed. If your personal assets (e.g., investment accounts, savings accounts) exceed the personal liability coverage limits set by your current policy, you may want to consider purchasing more coverage or buying a personal umbrella policy.  

The agents at Owens Insurance Agency can help you understand your risk. Contact us today for more information.  

When Do I Shop for Homeowners Insurance? 

 

If your mortgage lender requires homeowners insurance, you should begin shopping for a policy immediately after signing a contract for your new house. This should give you at least three weeks to shop around and compare homeowners insurance policies before closing on your new home. 

Where Do I Buy Homeowners Insurance? 

 

At Owens Insurance Agency, we understand that your home is more than the roof over your head. Contact us for a homeowners insurance quote. We serve customers in Lexington, Louisville and Georgetown, Kentucky. 

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10 Rodburn Hollow Rd.
PO Box 841
Morehead, KY 40351
Ph: (606) 784-3575
Fx: (888) 979-6804
E: info@owensagencies.com

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