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An Insurance Agency You Can Trust!

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Home Insurance Protection in Somerset, KY

When it comes to home insurance, it can be stressful trying to figure out the best policy to fit your needs. Pearson Insurance Agency in Somerset, KY, represents numerous reputable home insurance companies. With our access to various options, we can evaluate your situation and help you pick a policy that’s best for you and keeps your property safe.

We Offer Homeowner’s Insurance Plans That Cover the Following:

  • Damage caused by natural disasters such as hurricanes, tornadoes, and wildfires
  • Damage caused by severe weather like hailstorms and lightning strikes
  • Damage caused by vandalism or theft
  • Damage caused by water or fire accidents
  • Damage caused by falling objects like trees or branches
  • Liability for accidents that occur on your property
  • Legal expenses if someone sues you for an injury that occurred on your property
  • Loss of personal property due to theft or damage
  • Additional living expenses if you need to temporarily relocate while your home is being repaired after a covered event.

Farm Insurance

Along with home insurance, our company also provides excellent farm insurance. This kind of policy is made to help the unique needs of farmers and ranchers. Regardless of the size of the farm, whether it’s dealing with crops or livestock or whether it’s owned or rented, our team can find a policy that keeps it safe and secure.

Renters Insurance

You don’t have to own your home to get proper insurance and protection. Accidents happen for renters as well, and that’s why Pearson Insurance Agency offers top-of-the-line renters insurance to protect both landlords and renters. Our skilled team handles these policies so you can always feel at ease.

Frequently Asked Home Insurance Questions

  • What does homeowners insurance cover?

    • Homeowners insurance typically covers damage to the home and other structures on the property, as well as personal belongings inside the home.
    • It may also provide liability coverage for accidents on the property.

  • How much homeowners insurance do I need?

    • The amount of homeowners insurance you need depends on the value of your home and belongings.
    • You should also consider any risks specific to your area, such as natural disasters or high crime rates.

  • What is the difference between replacement cost and actual cash value?

    • Replacement cost coverage will pay the total cost to replace your damaged or destroyed property with new items of similar quality.
    • Actual cash value coverage will pay the value of your property when it was damaged, considering depreciation.

  • Does homeowners insurance cover flooding?

    • Standard homeowners insurance policies typically do not cover flood damage.
    • You may need to purchase a separate flood insurance policy if you live in a flood-prone area.

Request Your Quote Today

Whether you need homeowners insurance or renters insurance, Pearson Insurance Agency is here to help. With our years of experience and dedication to our customers, we go above and beyond to ensure you’re always protected. Call us today at 606-679-1450 to learn more about the home insurance our team can offer you.