The best insurance carriers in Northern Kentucky and Cincinnati, OH have these few things in common: service, great coverage and great rates!

Service in insurance can be simple communication or processing requests in a timely manner- very simple! If you aren’t getting this, well, I’d suggest looking around.

Great coverage is absolutely essential in protecting YOU! Let’s go over some items to look for in your policies.

Auto insurance should have bodily injury and liability limits of at least $100,000/$300,000 and Property Damage of $100,000- these are my suggested minimums, you certainly can go higher! In addition to the liability aspect, I’d recommend Comprehensive and Collision insurance just so you have the ability to fix or replace your vehicle in the event of an accident. And of course make sure Uninsured and Underinsured Motorists is on the policy to protect against drivers without insurance!

Auto insurance policies can also carry Roadside Assistance and Rental Reimbursement- definitely coverages worth having!

Homeowner’s insurance can be a little more in depth, but I recommend the following coverages to protect your home!

REPLACEMENT COST! Replacement cost is king and your home should always have replacement cost coverage versus Actual Cash Value. Coverage A as it listed on the policy should be 1.25-1.75 times what you paid for the home for inflation and other factors that may have occurred after the purchase.

Additionally, make sure the policy has the following endorsements: Water Backup of Sewers and Drains, Equipment Breakdown, Underground Service Line and if possible protection from Fungi, Dry Rot and Bacteria (some carriers put this on automatically, some it has to be added and some don’t offer it.).

Note: these are just basic coverage recommendations, but they will better protect your home and other assets.


Everyone wants cheap rates and I agree, price is huge. However, a lot of agents and carriers will skimp on the above mentioned coverages and endorsements. Make sure you are not cutting valuable coverage to save $100- its just not worth it!

I can say that I have offered policies with all the above and the customer did in fact save money. So, it is very possible to have great coverage and great rates!

For a free review of your Auto insurance and Homeowner’s insurance call me today! 859-916-4513