Your Home is Your Biggest Asset. Let Us Protect It.
We are experts at Homeowners Insurance. It’s important that your most valuable asset – your home – is fully protected, and that your Homeowners Insurance is managed by a team that fully understands the coverages you need, and build a program that is completely tailored to you.
Innovators Insurance Group can help you find the best homeowners insurance that balances your unique needs and provides the most valuable combination of coverage, cost, and service.
Note: if you are looking for homeowners insurance for a rental property, or home that is unoccupied, you cannot use traditional homeowners insurance. You need a “specialty dwelling” policy which we can also help you with.
Customers in Jeffersonville, Louisville, KY, and all of Southern Indiana work with us because, as an independent agency, we offer choices and options. We partner with more than a dozen of the best, most top-rated Homeowners insurance companies in the country.
The programs we build to protect the homes of our customers offer elite protection at competitive prices, with unique coverages, endorsements, and valuable add-ons to bring even more value to home-owners.
We also LOVE working with new home-buyers, as well as lenders and realtors!
Choices and Options Equals Savings and Better Coverage.
Whether you’re in Jeffersonvile, Louisville, KY, or Southern Indiana, if you’re not using an independent agency, it can be hard, if not impossible, to tell the difference between two homeowners insurance policies.
Having the right coverage program in place helps protect you financially if you have a claim due to fire, wind, theft, vandalism, or other covered losses. The right Homeowners protection will also cover you in the event someone is injured while on your property, or you’re sued due to something that was your fault.
Homeowners insurance policies differ by which types of claims are covered, which coverages you choose, and what type of residence you own. We help build the Homeowners insurance that’s best for you, one that fully protects your dwelling, your other structures and your personal property, while also providing coverage for personal liability.
Common Homeowners Insurance Coverages
These are some common coverages you typically see on a policy:
Dwelling — this is the portion of your policy that covers the actual structure (main house). The cost to replace your home can fluctuate from time to time based on the cost of raw material and labor, and of course, supply and demand.
We’ll run a replacement cost analysis on your home to see how much it would actually cost if the worst happened and you had to rebuild.
Other Structures — this covers any structure on your property that is not permanently attached to your house, like fencing, driveways, sidewalks, and detached buildings like sheds and garages. Usually this coverage is 10% of whatever your Dwelling limit is, but can be increased if you need more coverage.
Personal Property — this covers all of your personal belongings like clothing, furniture, electronics, and appliances. Basically anything that would fall out of your house if you turned it upside down and shook out the contents.
Loss of Use — this covers your living expenses if you need to live somewhere else temporarily because your primary home is uninhabitable due to a loss – like during a rebuild after a major disaster.
Medical Expense —this covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.
Personal Liability — this applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world. When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued. In some situations, an Umbrella policy may be necessary to provide extra coverage.
Scheduled Personal Property — there are some situations where you might want special coverage for valuables, or collectibles like jewelry, guns, collectibles, rugs, etc..
How to get started with your homeowners quote:
Every home is unique, and that requires a policy that’s crafted with care and expertise.
If you’d like us to review your current policy and provide you with a no-obligation quote or coverage review, call our office or enter some basic information in the fields below to get started online. Either way, we will make the process super simple!