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The real estate market continues to be very strong due to the local economy and new developments opening up all over the place. When you are looking to buy real estate in Fisherville, getting a condo could be a great option. If you do buy a condo, you need to make sure that you have it properly covered by a full condo insurance policy. There are several things that a Fisherville, KY resident needs to know about condo insurance.
Valuable Coverage
Most importantly, you need to remember that you get very valuable coverage from condo insurance. This will include coverage in the event your property is damaged or destroyed and will also include liability coverage. In the event of an accident or unfortunate situation, this could prove to be very helpful for you. A home associations policy will not cover your property.
Likely Requirement
Another factor to remember is that you will likely be required to carry the condo insurance policy at all times. If you took out a loan to buy the condo, your lender will likely want you to have condo insurance to make sure that their collateral is protected. Even if you don’t have a mortgage the condo association will likely require that you have coverage. This ensures that you have liability coverage in the event you cause damage to another condo or the common areas.
Your Kentucky condo is a major asset that you need to properly cover by insurance. When you are trying to cover your condo with insurance, you should reach out to TruePoint Insurance in Fisherville, KY to start the process. The insurance professionals at TruePoint Insurance can help you to better assess your individual risks. We will then help you find a condo policy that will properly cover you and your condo.
Haunted houses have been a part of Halloween in America for
over 75 years. Many of the first haunted houses were associated with
corporations. Yet, it was the nonprofit sector that made haunted houses a part
of Americana.
In recent year’s haunted houses started to fade. Sponsoring organizations such as churches, and school groups, have backed away. Like so many other things in our lives, the culprit is government red tape.
Personal Injury Claims and Haunted Houses
Haunted House
In the past, successful lawsuits against haunted houses have
been limited. We can point to three factors that significantly contributed to
this:
Consumers can readily identify and assume the risk
Haunted houses are open for only a brief time each
year. The risk of something going wrong
increases with time. Since these events
are seasonal dangerous conditions are less likely to develop.
Proof! Claims of
injury or damages were often dismissed due to lack of proof. What’s changed? Cell phones!
Access to information relative to compensation for injuries or damages.Â
It’s not the haunted house; it’s the Attorneys that scare me!
That was the past. If someone is injured at a Special Event today, they are much more likely to seek compensation. Recently I did an online search for “Haunted Houses.” I should have known better. But the truth is, what I found was horrifying. On page one of my search results was a blog post from a personal injury attorney.
Times have changed.
Seasonal Events have become considerably riskier. If you are planning a haunted house,
hayride, or any other seasonal event, take a moment an to consider the
risk. It’s also wise to reach out to an
independent insurance agent for input. Most agents will likely recommend
insurance if appropriate. They may also provide insights into your
process. Identifying opportunities to
reduce or avoid risk. They should also
present products to transfer risks associated with production. Some of the more
common suggestions are:
Waiver or Release
Before allowing entry most all require a signed release or
waiver of liability. As long as the
disclosures describe the risk, consumers to sign the waiver assume the risk.
Limited Liability Company (LLC) or Incorporate (Inc.)
Setting up a business entity is an excellent way to limit
liability. Undertakings done with these corporate structures are separate from
your personal assets.
General Liability Insurance
General Liability Insurance protects a business against
bodily injury or property damage claims. Tripping over a cord, cuts caused by
exposed nails, injuries or losses caused by chemicals, and falling props: are a
few examples where GL coverage would provide protection.
Workers Compensation Insurance
Work Comp protects employees that become injured while
working for you. If your special event has employees, you need this coverage.
There are very few exceptions to this. Special rules apply to partners,
sub-contractors, members, and volunteers. Call an Independent Insurance Agent
for a better understanding of your requirements.
Property Insurance
Your Special Event may alter coverage needs on buildings
that you own or lease. It is essential to discuss your event with your
insurance agent.
Inland Marine
You may use mobile equipment or other property in your
haunted house or corn maze. This should
be covered with inland marine coverage.
Commercial Auto
Most automobiles used in your Special Event will already
have coverage. The question is, will they have enough? Unless your vehicles are
owned by an LLC or other business, then your entity is exposed. It needs to be!
In the event of legal action, your organization most likely will be named in
any lawsuits. To protect yourself from this, you should consider Hired and Non-Owned
Coverage.
Volunteer Accident Insurance
Injuries to employees are covered by the work comp policy. But what happens if a volunteer is injured? They can most likely be covered by purchasing a Volunteer Accident Policy. However, there are many gray areas where you might run aground. We suggest that you speak with an independent Insurance Agent beforehand.
Fall is the season for haunted houses, corn mazes, and other
seasonal events. Common sense, caution, and communicate with a commercial
insurance agent. It’s the best approach
if your planning to host any of these.
Call a TruePoint Insurance Commercial Agent at (502)
410-5089. They will be happy to discuss your options in managing your specific
risk.
Mobile homes are vulnerable to serious damage from winds and storms since they are smaller and much lighter than stick-built or factory-built homes. It is important to use reinforcements to make them more stable; such as tie-downs.
Tiedowns come in two basic types; over-the-top tie-downs and frame anchors. Over-the-top tie-downs are straps that resist lifting forces and minimize tip-overs. They are usually used with single-wide mobile homes. Strapping is placed with over the top of the roof or over the structure’s sides. Frame anchors are reinforcements that resist lateral forces, making a structureless vulnerable to sliding off supports
In order to stabilize a structure, the tie-downs must be properly anchored to a foundation, slab or the ground. Anchor types include the following:
Tying down Mobile Homes
·
Hard Rock Anchor
·
Concrete Slab Anchor
·
Cross Drive Rock
Anchor
·
Drive or Barb Anchor
·
Auger Anchor
·
Disc Anchors
Straps and anchors have to be used properly and they have to meet various standards such as placement of anchors, anchor fittings, method of installation and ground/site conditions. When anchored to the ground, it may be necessary to make test its suitability as an anchor. If piers and footings are used they must be able to meet various requirements regarding weight support, dimensions, material quality, pier placement, and other areas. Straps and anchors also have to meet requirements in order to be depended on to withstand the stresses winds and other forces.
Use of tie-downs varies by state, state regulations and soil type. Local building inspectors and mobile and manufactured home builder associations are excellent sources for anchoring and tiedown requirement information. Use of that valuable information, along with insurance, is great methods for fully protecting a mobile home.
COPYRIGHT: Insurance Publishing Plus, Inc. 2017
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Ziplines
are a newer and wildly popular attraction. They are known by various names such
as:
zip wires
rope slides
aerial runways
flying fox
death slides
They consist of a steel
cable (or, increasingly rarely, rope), mounted at an incline between two
points. They are traversed by a person attached to the line by a harness and
pulley.
Ziplines are quite old, originally developed as a way to more easily access remote areas, such as mountain terrain, forests or as a way to cross rivers and as an aspect of climber training. They are more recently used for entertainment such at adventure camps, hiking areas in parks, amusement parks, festivals, fundraisers, in team-building exercises and, in current development, at private residences.
Safety is Critical
Ziplines are now so popular; they are sold in kit form for private use. A standard kit consists of a cable, pulley, installation kits (bolts, eyebolts, swivels, cable tensioners, turnbuckles, cable clamps, braking device, cable slings etc), handlebars, lanyards or harnesses, and other accessories. Some kits include tools such as cable grabs and cutters.
While accidents involving zip lines are low, in comparison to their use, the consequences of accidents are very high, so safe operation is incredibly important. Much of the safety has to do with ziplines being installed professionally and operated by trained personnel. The residential use of ziplines is likely to result in more accidents because of the absence of those two, critical factors.
It is important that ziplines have safety features that match the installation and use. Residential ziplines are likely to consist of short runs and be close to the ground, still it is important to make sure that there is control over the speed, that the equipment is regularly checked, that the use is properly supervised, that there is proper clearance so that hands, clothing or hair don’t become entangled and that the launch and stopping points are properly supported. Items that help make zipline use safer is the use of a shock-absorbing landing zone, backup lanyards or harnesses, goggles, thick leather gloves (for emergency braking), helmets, masks, and knee pads.
Of course, it is
supremely important that the zipline use the right
type of cable, have a proper incline, be properly
tensioned and that the right attachment and anchor points are used and that the
space for the installation is adequate. The installation site must be
absolutely free of obstacles, so site preparation is often necessary.
Maintenance is very important, particularly with regard to line wear and
tension and zipline owners must inspect their
installation and gear carefully and regularly. Safe procedures and supervision
is also critical.
You may also find it
helpful to see our article titled, “Who Cares about Attractive Nuisances” for
related information.
COPYRIGHT: Insurance Publishing Plus, Inc. 2015
All rights reserved. Production or distribution, whether in whole
or in part, in any form of media or language; and no matter what country, state
or territory, is expressly forbidden without written consent of Insurance
Publishing Plus, Inc.
Kentucky is one of the most expensive states for auto insurance.
If you live in Kentucky and own a car, then you’re paying too much for Automobile Insurance.
If someone is telling you otherwise, I’ve got some excellent advice for you. Stop listening to that person! They obviously don’t have a clue about the cost of auto insurance in Kentucky.
.
Proving that the cost of Kentucky Auto Insurance is High
The Proof
Which states would you expect to pay the most for insurance? States with bigger cities, and heavy traffic? Commonsense would lead most of us to expect to find New York, California, and New Jersey at the top of the list. Using the same logic we can also add Massachusetts, Illinois, Florida, and Connecticut. And while not a state, I would also expect to see Washington D.C. on a list of states with higher auto insurance premiums.Â
Six states have average auto
insurance rates that range from $1,750 to $2,500. Starting with the most expense:
1. Michigan
2. Louisiana
3. Florida
4. Connecticut and,
5. New York
6. Kentucky
For the most, this likely seems appropriate. But for many it will be eye-opening to find how high car insurance is in the Commonwealth of Kentucky. Surprisingly the residents of Kentucky pay more for auto coverage than California. The same is true for Washington D.C., Maryland, New Jersey, Massachusetts, and Illinois.
Who is this person that says you’re
car insurance is not expensive?
Kentuckians on average spend $1,752 annually for auto insurance. That’s almost 30% more than the national average. It is a fact; your auto insurance is expensive.
If you are a good driver in Kentucky, you pay too much for insurance.
If you’re a bad driver you pay too much.
Kentucky car owner’s that drive too fast, pay to much.                                                                    Â
 Compared with most other states, Kentucky auto insurance cost more. While this is true for most residents, not everyone in Kentucky overpays. Uninsured and underinsured drivers clearly don’t pay too much for car insurance. But don’t read that to say that this group doesn’t have a hand in cost of car insurance in Kentucky. Their contribution is significant. Those that drive with inadequate auto coverage, raise auto premiums for everyone. This increase in state demand for uninsured and underinsured motorist coverage. Which in turn places upward pressure on the overall cost of auto insurance premiums.
It’s a fact that Auto Insurance is higher in Kentucky than it is in most states
The price for car insurance in
Kentucky is high. Some may try to argue
this. Beware of those that argue against
the facts.
Kentuckian plays about $400 a year more than the U.S. Average. Why is Kentucky auto insurance so
expensive?
How does Kentucky compare to other states in our region? To the north, Kentucky borders, Illinois, Indiana, and Ohio. Each of these states is ranked as one of the ten least expensive U.S. States for car insurance. The average auto premium for the three is $973. Compared to these three Mid-Western states, Kentuckians are paying almost $800 a year.Â
Why are we still listening to the nuts that still think we aren’t paying too much to insure our personal auto?
If you would like to have an insurance agent look you in the eye and tell you:
“Yes, you are paying too much to insure your
car,” then try TruePoint.
Want to learn about factors that make Kentucky auto insurance the 6th highest in the U.S.?
Give us a call at (502) 410-5089.
Serious about lowering your auto insurance cost? Then get your insurance documents together.
Call or drop by, and we will do our best to help you reduce the value of your home and auto insurance.
In 2010,
during a party that involved minors drinking alcohol, one guest was shot and
killed when a gun, being played with by its owner (another party attendee) went
off. The parents of the deceased sued the parents of the gun handler. The
latter requested coverage from their homeowner insurance company. The company
denied coverage and, eventually, a court ruled that no obligation existed under
the insurance policy. The company was released from the lawsuit.
Homeowners coverage, like other insurance policies, is
intended to protect against losses that are accidental. Often, accidental
losses can be readily determined, but incidents involving firearms are
complicated.
Accidental discharge of a gun can be a crime
When one
person injures another, both the act and the intent are considerations of
whether an incident is an accident. In the shooting incident mentioned above,
it was determined that the gun handler was guilty of negligently handling the
gun and was jailed. Since a court determined the incident was a crime, it did
not qualify as an accident. A loss caused by a crime is ineligible for
coverage.
When a
loss involves firearms, it is often treated far differently than other
circumstances. Consider the following:
Jim is
hosting a party at his house for a bunch of high school friends and Fran is one
of the persons attending it. Jim, well known to his friends as the group’s
clown, is fooling around with an item. Fran, who is nearby, is seriously
injured. Later, Fran’s family sues Jim’s parents and they file the lawsuit with
their insurance company.
Scenario
one – Jim recently became interested in tennis. He brings out a very expensive
tennis racket he just received. He brags about how light and powerful it is and
he demonstrates strokes. When he demonstrates a backhand, Fran is passing
behind him and she is hit, suffering a broken nose and several shattered teeth!
Scenario
two – Jim recently became interested in firearms. He brings out a very
expensive pistol he just received. He brags about how light and powerful it is
and he demonstrates how it is supposed to be handled. When he demonstrates how
to aim it, the gun fires and Fran is struck. The bullet hits and fractures her
shoulder.
In both
scenarios, the injuries are a result of Jim’s immature and careless action. In
both situations, no harm was intended. In both instances, Fran is seriously
injured. In all likelihood, the losses will not be handled similarly. A tennis
racket is a piece of equipment that is intended to be used for a particular
sport. It is used for hitting tennis balls and other uses are considered
unusual and, for the most part, not dangerous. This loss has a very high chance
of being treated as an accident.
A gun is
a weapon. It is used for both defensive and offensive purposes and, by nature,
is capable of extremely serious, often deadly harm. It is considered to be a
dangerous instrument. Therefore, the stakes are far higher whenever a gun or
other firearm causes a loss. In many instances, even when harming another party
is completely unintended, acts involving firearms also involve far more
accountability and may not be classified as accidental. In the shooting
scenario, the chance is very high that the loss would be denied.
Because of the danger inherent in guns, it’s important to be aware that losses involving them are often ineligible for insurance protection. That makes it critical that their ownership is treated seriously and every possible precaution against unintended injury be taken.
COPYRIGHT: Insurance Publishing Plus, Inc., 2016
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or in part, in any form of media or language; and no matter what country, state
or territory, is expressly forbidden without written consent of Insurance
Publishing Plus, Inc.
I promise to never complain about doing laundry again!
Handling our many household chores is all about convenience. For many decades, the incredible washer and dryer power duo have made it possible for us to enjoy easy access to clean, ready-to-wear wardrobes. However, these appliances have a dark side that can result in serious loss, particularly dryers.
The United States Fire
Administration (USFA), a federal agency that collects and shares data on
fire-related losses, reminds us that dryers, while extremely handy, can also be
dangerous. In a recent agency report, fires caused by clothes dryers result in
losses of $35 million per year, nationwide. Let’s repeat that – $35 million in
dryer-related losses each and every year.
Preventing a home fire
According to the report,
such losses occur more frequently in cooler weather, occurs mostly in
residences and, for a bit of good news, most fires are limited to the dryer
itself. However, such fires can and do easily spread to other parts of an
apartment or home.
More than a third of
dryer fire losses are created by insufficient dryer maintenance and improper
use. Therefore, dryers, as a source of loss, are quite controllable by
homeowners. Here are some suggestions to help minimize dryer fires:
Properly and regularly clean out lint traps – that should include vacuuming out the area housing the lint trap too
Avoid putting items in a dryer which are more prone to igniting such as items containing foam (lined drapes, athletic shoes, bathroom rugs)
Remove lint that accumulates underneath and in areas outside of the dryer which is also sources of fire
Regularly clean out dryer vents. A thorough job is necessary to keep vents free of accumulated lint and, even more serious, bird or rodent nests
Do not overload dryers since fires are more likely due to restricted airflow and higher heat build-up
Make sure the dryer vent pipe is properly installed and is free of kinks (again, to avoid airflow restriction and heat build-up
Consider using a dryer that has a moisture sensor which can end dryer cycles with less of a heat build-up that is permitted by dryers that use thermostats
These simple few safety
steps are all that it takes to help avoid a potentially serious fire. Be clean,
be dry……and be smart!
COPYRIGHT: Insurance Publishing Plus, Inc. 2015
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rights reserved. Production or distribution, whether in whole or in part, in
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is expressly forbidden without written consent of Insurance Publishing Plus,
Inc.
Head Coach: Mike Marksbury Location: Taylorsville, KY
2018 Record: 4-6
EnteFriday Night Football, it’s an American Thing!
For the last eight years passion, knowledge, commitment, and compassion have been on display on Friday nights. Anything less would have ended in failure. That’s why in 2011 when Mike Marksbury walked onto the field, the fans welcomed a new coach. Little did they know that this man would become the cornerstone of the Spencer County Football program.
The last couple of years have been tough for the Bears. But even the casual observer can see that those days are behind this punch. While still young, this sleuth of Bears has it all. Talent, drive, and heart. The bottom line is that even though they are still learning, Spencer County has a group of real Football Players coached by Real Coaches.
Home field advantage his huge in any sports, however, it seems that it means the most for football and basketball. The area experienced extremely wet weather throughout the spring and early summer. As a result, improvements to Spencer County facilities are very far behind schedule. So for the 2019 season, the Bears will be nomads, a team with no home. Another challenge that will be overcome by this “never says quit” group.
The Bearcats recent success, including going 10-1 in 2018, hasn’t gone unnoticed. 2019 is a redistricting year for Kentucky High School Football. Anderson’s relative enrollment trends have dropped the Bearcats from 5 to 4A.
It would seem logical that by dropping down a class would be a positive for Anderson County. Apparently, the folks at Max Preps agree as their Pre-season Rankings have the Bearcats ranked #8 in 4A, and #34 statewide.
Redistricting occurs every four years in Kentucky. It’s the States mechanism aimed to create fair Sports competition between Kentucky high schools. A Fair and Balanced approach aimed at leveling the playing field. But does it?
Following the redistricting, Anderson County finds itself in Class 4A District 5. A district that includes:
Lexington Catholic….Perennial Powerhouse 2 x State Champs (’05, ’07) Runner-up (’15) Ranked #6 Preseason Kentucky 4A, # 31 Kentucky Overall
Bourbon County State Champs (’97)
Anderson County Runner-up (’11)
WOW! Class 4A has 38 teams scattered over 8 Districts. In a Fair and Balanced World, on average each District would have 1.25 teams in the top 10. District 5 has 3, the #1, 6, and 7th ranked teams
In the last 22 years, the four combined have one 11 State Championships and pay in 14 Finals. Did someone say something about Fair and Balanced?
We’re insuring Kentucky, just not on Friday Nights.
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