Do you need flood insurance in Fisherville?

If you are looking for a nice community to move to, Fisherville, KY is a great option to consider. The entire Fisherville area has great job opportunities and a lot of recreational activities to enjoy. If you decide to buy a home in this area of Kentucky you will want to ensure that it is covered with insurance. For some, this could mean getting flood insurance. There are a few situations when you will need to have this additional protection.

When Looking to Offset Flood Risk

Depending on where you are located in this community, there is a chance that you could be by a waterway that has a risk of flooding. If you are concerned about this risk, having the right insurance is very important. Since your home insurance plan will offer nominal flood coverage getting a full flood insurance plan is a good investment as it will provide the resources needed to make repairs if your home is damaged by a flood.

When Required by Lender

You may also need to get a flood insurance plan if your mortgage lender is requiring it. Any mortgage lender today is going to pull flood searches on your property. If your home is within a flood zone the lender will want you to get proper coverage. They will likely have you escrow for this policy each month as it ensures you will not have a lapse in coverage.

If you would like to get a flood insurance plan when you are in the Fisherville, KY area, you should speak with the team at TruePoint Insurance. The team with TruePoint Insurance can help you determine which form of flood insurance is right for you. They can then help you create a plan that properly protects your property. 

What Single People Should Know About Life Insurance

More of us are staying single than ever before. Both marriage rates and childbearing rates are slowing down and happening at later ages, as people realize they have more choices for how they want to live. This is great! And if you’re among today’s strong force of singles, it’s time to consider life insurance. 

Yes, life insurance. There’s a common misconception in society today that if you’re single with no spouse or dependents, you don’t actually need life insurance. While it’s true that many people do enroll in life insurance for the sole purpose of protecting their close loved ones (who depend on them financially) after they’re gone, that is only a small portion of what a good life policy can do. Here’s what all single people should know about life insurance and why it may be a good choice for their lifestyle:

Life Insurance Can Help Cover Your Funeral Expenses

Nobody likes to think about “the end,” but the truth is that we can’t predict the future, and it can happen at any time. When someone passes without a good life insurance policy in place, their loved ones (both family and friends) often end up having to foot the bill. Even small, simple funerals can end up costing a lot, but a life insurance policy can help ease the financial burden either partially or entirely.

Life Insurance Can Pay Your Remaining Debts

Many of us live with at least some kind of debt (student loans, mortgages, car loans, and credit card debt are big ones), and so many people pass while still owing considerable amounts of money. If you don’t want your assets seized after you die, or your assets are not enough to cover the debt you owe, then life insurance can be used to pay off remaining balances. It is especially important to consider life insurance if you are a co-signer on something, as the other person will end up being responsible for everything once you pass.

You Don’t Have to Have a Spouse or Children in Order to Name a Beneficiary

You can name whoever you like as your beneficiary, and many single people choose not just family and/or close friends, but also a charity that is near and dear to them. Life insurance gives you some lasting power after you’re gone. Interested in learning more about your coverage options? Contact our team at TruePoint Insurance in Fisherville, KY today!

Three unique types of coverage you need in a boat insurance policy

As a boat owner in Fisherville, KY, it’s important that you invest in boat insurance coverage. At TruePoint Insurance, we provide boat insurance policies to consumers.

The following are three unique types of coverage you need in a boat insurance policy.

Liability coverage

Liability coverage is one of the most important types of coverage that you need when you’re boating. Liability coverage will pay for the costs of any expenses resulting from accidents that you are judged at fault for while boating.

Liability coverage can protect you if you face a lawsuit as a result of your boating activities. Liability coverage should include medical payment coverage for bodily injury that results from your boating activities. 

Salvage and wreck coverage

You should definitely make sure that your boat insurance policy includes salvage and wreck coverage. Salvage and wreck coverage pays for the costs of removing your broken down boat from the water.

It can be very expensive to remove boat debris from waterways. However, you are likely to be responsible for paying this expense if your boat is destroyed while you’re out on the water. Adding salvage and wreck coverage to your boat insurance policy can be a lifesaver if your boat is ever involved in a severe accident. 

Property coverage

You’ll definitely want to include property coverage for your own property in the terms of your boat insurance policy. This way, you know that accidental damage to your boat will be covered and you won’t have to pay for it out of pocket. 

Contact us today to learn about our boat insurance coverage options in Fisherville, KY. We provide boat insurance coverage as well as numerous other types of insurance coverage at TruePoint Insurance. 

What Does Comprehensive Auto Insurance Cover?

Comprehensive auto insurance is an excellent option for individuals who are purchasing new vehicles, as well as for those who cannot afford to replace their vehicle if it is lost to collision, theft, or natural disaster. Residents of Fisherville, KY and surrounding areas who are interested in learning about their comprehensive insurance options can consult a TruePoint Insurance agent to learn if this coverage is the right option for them. 

Comprehensive auto insurance covers losses aside from simple collisions, typically including theft, fire, natural disaster, civil unrest and rioting, and the vehicle colliding with an animal such as a deer. If you live in an area where you may experience one of these situations, it may be wise to consider adding comprehensive auto insurance to your package. This will help ensure that you’re fully protected if an unfortunate event occurs. 

If you’re purchasing a new vehicle, it’s often common for the lender to require that you carry comprehensive auto insurance due to the value of the vehicle. This helps protect both you and the lender in case of an accident or theft. You may find that you feel more secure, overall, when you carry this type of auto insurance no matter the age of your vehicle. Comprehensive coverage helps ensure that you’re protected no matter what happens, making sure that you can pay to have your car or truck repaired or even replaced as necessary. 

When you’re deciding what type of automobile insurance to carry, there are numerous decisions to be made. Consult a friendly representative at TruePoint Insurance to learn more about the best type of coverage for your specific situation. We proudly serve the Fisherville, KY area and are happy to speak with you about the insurance coverage that’s best for you and your family, depending on the vehicles you have and the situations that you frequently find yourselves in.

Does My Condo Insurance Cover Damages Caused by a Neighbor?

Condo owners who live in Fisherville, KY may be at a loss of what to do if a neighbor causes damage to their personal property or condo. The agents of TruePoint Insurance can help navigate the process. Owning a condo is similar to owning a traditional home, with one exception. Condos are connected much like apartments. This means the negligence of a neighbor can result in property damage to your condo. 

Registering a Complaint

If your condo or personal possessions are damaged due to a neighbor’s neglect, you will need to file a complaint with the property owner where your condo is located. It will be up to them to determine who caused the damage and who will eventually be held responsible for paying for any repairs that need to be made. Your insurance agent will work with the property owner to determine when repairs can be made.

Covering the Damage

In many cases, your insurance company will pay for the repairs to be made so that your condo can be returned to its original state as soon as possible. Both insurance companies will work together to ensure that the responsible party is held accountable for the damages that were caused. This is also true for accidents involving any type of injury that is caused by a neighbor or the primary property owner.

Fisherville, KY condo owners don’t have to stress over their insurance needs. By calling the agents at TruePoint Insurance, they can get all of their important questions answered. The agents understand the frustration of condo ownership, especially when it comes to certain types of risk. Call today to speak to an agent and get the answers you need. 

When should someone get motor home insurance?

For those that live in the Fisherville, KY area, owning a motor home can be a great option. When you have a motor home, you are going to have a vehicle that will allow you to drive around and tour the rest of the country. At the same time, it will also give you a place where you can relax and sleep when not on the road. If you are going to get a motor home, it is important that you get the proper insurance. There are several situations when someone should get insurance coverage for their motor home.

When Looking for Proper Coverage

One of the situations when someone shoudl get motor home insurance is when they want proper coverage for their asset. A motor home is a unique asset in that it is a combination of a home and a vehicle. Due to this, you need to have insurance coverage that reflects this. With a motor home insurance policy, you can receive the insurance coverage that you need. 

When Taking out a Loan

You will also need to get motor home insurance if you take out a loan to buy the asset. A motor home can be very expensive to buy and using a loan makes sense for many people. If you do take out a loan, it is important to comply with the lender’s insurance requirements. 

If you are looking to get insurance for your asset in the Fisherville KY area you should reach out to the team at TruePoint Insurance. When you do speak with the team at TruePoint Insurance, you are going to learn a lot more about how you can protect your motor home with an insurance policy. They can then help you get into a proper policy that meets your needs. 

Job Posting

TruePoint Insurance, Insuring Georgia

We are a rapidly growing Independent Insurance Agency currently searching for a CSR for our Pooler GA office.

Title: CUSTOMER SERVICE REPRESENTATIVE

Full-Time, In-Office, Monday-Friday 8:30am to 5:00pm

The right candidate will possess the following:

Skills/Abilities:

  • Strong listening, oral, and written communication skills
  • Goal oriented, highly motivated, and resourceful to achieve results
  • Ability to pay close attention to detail and accuracy
  • Ability to create and maintain business relationships with prospects and policyholders
  • Proven track record of trustworthiness, dependability, and ethical behavior
  • Fundamental understanding of office technology used by small business

Experience and Education:

  • Customer Service Experience (prior experience preferred)
  • Knowledge of Personal Lines, Life Insurance, and/or Commercial Lines products (preferred)
  • Property and Casualty license a plus
  • High School Diploma or GED
  • Associates or Bachelor’s Degree (preferred)

Job Related Training/Licensing:

Must have the ability to obtain a Property and Casualty license within the first year of hire.

Responsibilities:

  • Provide service to the public and policyholders in a pleasant and courteous manner
  • Be able to communicate clearly and professionally
  • Prepare forms and endorsements when required
  • Perform Billing and Customer Service duties in a timely and efficient manner
  • Meet customer service goals and assist with marketing goals
  • Be able to successfully navigate our Agency Management System and Carrier Websites
  • Perform other related duties as assigned

Pay and Benefits:

Salary will be based on experience, with the ability to advance based on performance and license. There will be an initial 90-day evaluation period to determine compatibility, salary increases, and bonus options.  Interested Candidates should send a resume to New job Candidate Pooler GA.

NO PHONE CALLS, PLEASE!

How Renters Insurance Works to Protect You

There are many advantages to renting a home in Fisherville, KY as opposed to buying. You have greater freedom to move when you want and less financial responsibility. You also have the benefit of purchasing renters insurance to protect your valuables. Renters coverage is practical, affordable, and flexible, making it a smart investment in protecting your assets. Here’s how a renters policy from TruePoint Insurance can work for you.

Protection for Personal Belongings 

Whether you’re renting a house, apartment or condo, chances are your landlord will have insurance to protect his property. His coverage, however, doesn’t include your belongings. By purchasing a renters policy, you can get the insurance protection you need.

Renters insurance offers various types of protection to protect you from financial loss. Property coverage protects your belongings. If your rental home is broken into and valuables stolen, property coverage helps cover their replacement cost. It also covers your goods if they’re damaged by vandalism, fire, water due to leaky pipes and other disasters.

Protection against Liability Claims

As a renter, you’re responsible for accidents that occur on your rental property. If someone gets injured while visiting your Fisherville, KY home, you could be held liable for his medical costs. Liability insurance covers accidental injuries to protect your personal funds. It also covers accidental damage to visitors’ personal property.

Protection against Loss of Use

If your rental home is damaged by fire, tropical storm, or other disaster and you have to live somewhere else temporarily while the house, condo or apartment is being repaired, loss of use coverage helps cover these extra costs. This includes hotel bills, restaurant bills, transport bills, etc.

These are just a few ways renters insurance in Fisherville, KY can work for you. To purchase a renters policy, call or visit TruePoint Insurance today.

Tips on how to adequately insure an RV

An Rv is not just a luxury vehicle, but a home on wheels. During your tours in Fisherville, KY, many things can happen, including a road accident. Have you figured out how much loss that would be if you didn’t have any form of insurance? 

Well, Rvs are pretty expensive. On top of that, they carry your valuables just like home. Speaking to an insurance expert in TruePoint Insurance can be a great idea as we will help you find out how much coverage is adequate for you.

Why do you need RV insurance?

We have already mentioned that RVs are like our homes on wheels, which means they carry a lot of value on the roads as well as when packed. While many states do not require drivers to have RV insurance, it makes sense to have a substantial amount of coverage in case anything happens to you out there. While they require ordinary driving skills, Rvs are bigger cars. You will need to make accurate estimations when driving or packing.

Factors that impact Rv insurance premiums

While insurance rates are different for every Rv owner, insurance companies use various criteria to calculate based on the information that you provide. Providing truthful information is a requirement as failure to do so can result in fines. Your Rv insurance premiums will be calculated based on the following factors:

  • The size of your RV
  • The age of the RV
  • Whether you are living in it or not
  • How long you will be using your Rv
  • Where you pack or store your Rv when not in use
  • Your location/address and many more

Your RV is a huge investment that needs to be protected at all costs. Large vehicles can cause significant damages and injuries to the parties involved. You don’t want to risk taking a tour in an uncovered car.

Do you need help buying Rv insurance? TruePoint Insurance can arm you with the right information to help you make a wise decision. Visit us at Fisherville, KY today.

Insuring A Trust

Insurance for a Trust account.  Be sure to involve a insurance professional to make sure all bases are covered.

Homeowner and other policies that protect private residences have, for most of their history, been written assuming that the property owner is an individual or married couple. Policies traditionally defined an “insured” or covered person as an individual, married couple or spouse of the individual listed on the policy. However such policies had to respond to a, formerly, rare form of home ownership….trusts.

Besides use as a residence, a home is also often a primary financial asset. As property owners become more sensitive and savvy in handling their finances, the use of trusts to pass on property has expanded. A trust refers to any asset that is controlled or owned by an artificial entity, the trust agreement. Typically, the property owner becomes the trustee, having rights to use the home as a residence, but the legal ownership resides in the trust. The trust allows for tangible property to be passed along to heirs with much more for favorable tax treatment. However, there are consequences that affect insurance coverage and which should not be ignored.

If your home or personal property (furniture, furnishings, etc.) have been transferred into a trust, it is important to share this information with your insurance agent. Then you both may take steps to make sure that the insurance needs of both the trust and the property-users are covered. It is particularly important that liability protection remains intact.

Depending upon the insurer, your homeowner, auto and umbrella policies may have to be modified so that the trust arrangement is specifically recognized and is protected by the policies. It may be that the policy wording already handles things by including trusts or trustees within the meaning of “insured.” In other instances, endorsements may have to be added to include the proper additional insurable interest so that property and liability coverage expands to protect the property held in trust and the trustees.

The existence of a trust means you need to get an insurance professional involved to make sure you can still trust the protection of your various insurance policies.


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