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Homeowner Insurance

from Bilz Insurance

Homeowner Insurance

If you are a Kentucky homeowner, your property isn’t just your greatest asset — it’s your shelter and the hub of your family activities. If something were to happen to it, what would you do?

Luckily, you don’t have to worry about that with the right homeowner policy tailored for your needs.

A home insurance policy reimburses you if your dwelling has to be repaired or rebuilt from the ground up after unexpected disasters like fire and storms. It also protects you in the event of vandalism and theft.

The interior of your home is covered as well. You will be able to replace your furniture, appliances, electronics, clothing, and other personal items without depleting your savings. Otherwise, you would be forced to use your retirement accounts or other financial assets to cover your loss.

Home Insurance Offers Extra Benefits

Home insurance goes far beyond simply protecting your structure and its contents. Most policies offer other perks, such as:

  • Liability coverage if someone is injured on your property
  • Additional living expenses (also known as loss of use coverage) if you need to live elsewhere while your home is made habitable again
  • Coverage that can be customized for landlords who live on the premises or renters who don’t own their dwelling

We can easily add scheduled coverage for valuables such as jewelry, furs, collectibles, antiques, artwork, precious metals, or firearms. We can also increase your liability protection with a personal umbrella policy — perfect for high-net-worth individuals and dog owners.

Our Independent Agents Personalize Home Insurance for You

We understand our clients want to find the right balance between adequate coverage and budget-friendly policies. That’s why we work with every policyholder to find a premium and deductible that work for their unique needs.

The premium is what you pay for your policy. The deductible is a small amount you pay out of pocket before your home insurance kicks in after filing a claim. Usually, the higher your premium, the lower your deductible, and vice versa.

We also help our clients find the right amount of coverage for their property. You can take an inventory of your home with your mobile device to help us calculate how much coverage is necessary.

At Bilz Insurance, we’re independent agents, which is how we are able to give you so many options at reasonable prices. We have many more insurance products available for you than you will find with big-name insurance companies where you’re just a number. Once you experience our personalized service, we guarantee you’ll want to work with us for all your insurance, like auto, motor toys, and business.

Don’t let your home go without the protection it should have. Call us today at 859-431-1235 or reach out online for a fast quote.