Louisville Homeowners Insurance
Shopping for Louisville home insurance?
Call Family Select Insurance today for the best prices on Louisville home insurance. We serve both Kentucky and Indiana and have licensed agents ready to give you the best possible prices on your next homeowners policy.
Like auto and renters insurance, home insurance prices are based on "risk" and the "losses" an insurance company has had to pay out to cover a "risk". However, these prices are affected more by different risks like exposure to mudslides, tornadoes, hail storms, wildfires and other natural disasters.
Additionally, the size and age of the home, age of the electrical and plumbing, the age of the roof, building materials used, distance from the fire department, installed alarms and shut off valves all play a part in determining homeowners insurance prices. Many of these components are out of your control and are what they are on an existing home.
However, you can take advantage of the discounts an insurance carrier offers by upgrading some of these items or by having fire and burglar alarms, fire suppression, adequate locks, slip resistant surfaces, secured hazardous areas like fenced in pools and adequate clearance from trees that could fall and brush that can burn.
Although homeowners claims are usually not as frequent as auto claims, they can be extremely costly for an insurance company to pay due to the size of the loss. Any efforts to reduce the likelihood of a loss by you will help in reducing the cost of the insurance. Also, packaging or “bundling” your homeowners with your auto insurance can trigger some good discounts. There are other elements involved but this is essentially how it works.
Family Select Insurance has a nice variety of quality, name brand, low cost homeowners insurance companies to choose from which increases our chances at finding you the lowest price insurance coverage for one of your biggest, if not the biggest investment you have.
Call 502-454-7283 to immediately connect with a licensed agent and receive our best prices!