{"id":987,"date":"2019-04-24T15:48:29","date_gmt":"2019-04-24T21:48:29","guid":{"rendered":"https:\/\/www.insuringky.com\/blog\/?p=987"},"modified":"2019-05-08T16:24:45","modified_gmt":"2019-05-08T22:24:45","slug":"benefits-of-working-with-a-kentucky-insurance-specialist","status":"publish","type":"post","link":"https:\/\/www.insuringky.com\/blog\/benefits-of-working-with-a-kentucky-insurance-specialist\/","title":{"rendered":"Benefits of working with a Kentucky Insurance Specialist"},"content":{"rendered":"\n<div class=\"wp-block-image\"><figure class=\"alignright is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.insuringky.com\/blog\/wp-content\/uploads\/2019\/04\/Black-Umbrella.jpg\" alt=\"Do you have options when you buy insurance?  Does your insurance company have local agents to help?  If you don't have access to someone that understands and you can't buy from the insurance company that has the best prices for what you need, I don't you think your dealing with the best insurance agent.\" class=\"wp-image-988\" width=\"244\" height=\"206\"\/><\/figure><\/div>\n\n\n\n<p>What color is your umbrella?  In today\u2019s world, when it comes time to buy insurance, you will find that you have a range of options.&nbsp; The challenge is learning to optimize them to meet your own unique constraints and objectives.&nbsp; &nbsp;Individuals and businesses seeking Kentucky Insurance need to develop a thorough understanding of their insurance options.<\/p>\n\n\n\n<p><strong>Kentucky Insurance Markets:&nbsp; <\/strong><\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"alignleft is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.insuringky.com\/blog\/wp-content\/uploads\/2019\/04\/broken-umbrella.jpg\" alt=\"Direct insurers. cheap insurance, price, no insurance options, Do you want cheap insurance?  what kind of insurance do you need?   Cheap car insurance, Cheap auto insurance. insurance agent\n\" class=\"wp-image-989\" width=\"239\" height=\"239\" srcset=\"https:\/\/www.insuringky.com\/blog\/wp-content\/uploads\/2019\/04\/broken-umbrella.jpg 225w, https:\/\/www.insuringky.com\/blog\/wp-content\/uploads\/2019\/04\/broken-umbrella-150x150.jpg 150w\" sizes=\"auto, (max-width: 239px) 100vw, 239px\" \/><\/figure><\/div>\n\n\n\n<p>For decades insurance markets were divided into two categories; Independent and Captive Insurance companies. &nbsp;The independent marketing channel is made up of agents (more accurately, <a href=\"https:\/\/www.insuringky.com\/blog\/insurance-broker\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Brokers (opens in a new tab)\">Brokers<\/a>) that represent multiple insurance companies.&nbsp; Captive carriers utilize agents or employees to distribute their products.&nbsp; This group tends to use more print, television, radio, newspaper and other to generate sales.&nbsp; <\/p>\n\n\n\n<p>In recent years a third market has entered the mix; Direct Carriers.&nbsp; This group has many similarities to the Captive Carriers. &nbsp;The two groups have market plans that look very similar.&nbsp; The Direct Channel takes a much more aggressive approach regards utilizing online resources.&nbsp; The Direct sector of the market not only uses extensive online marketing, but many in this sector also have willingly foregone brick and mortar in favor of online facilities.&nbsp; In many instances, they have shifted the role of the agent to the customer\u2019s computer keyboard. <\/p>\n\n\n\n<p>When it comes to Property and Casualty insurance for\nindividuals, US Captive Carriers remain the largest player.&nbsp; The market share for Independent Insurance\ncompanies has held fairly steady in recent years, during a time where the\nDirect writers are rapidly gaining market share mostly at the expense of the Captive\nmarket.<\/p>\n\n\n\n<p><strong>2017 Personal Lines US Market Share <\/strong>(Auto Insurance, Home Insurance,\nand other<strong>)<\/strong><\/p>\n\n\n\n<p>Captive &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 46.6%<\/p>\n\n\n\n<p>Independent&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 35.1%<\/p>\n\n\n\n<p>Direct&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 18.3%<\/p>\n\n\n\n<p>For businesses, the landscape is totally different.\u00a0 Independent Carriers have and continue to dominate this market.\u00a0\u00a0 It doesn\u2019t seem to difficult, with an 84% market share for US <a href=\"https:\/\/www.insuringky.com\/blog\/commercial-insurance\/\">commercial insurance<\/a>, it seems only logical that all business owners should consider quoting with at least one broker.  But why?<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"alignleft is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.insuringky.com\/blog\/wp-content\/uploads\/2019\/04\/Multi-option-umbrella.jpg\" alt=\"\" class=\"wp-image-990\" width=\"201\" height=\"302\"\/><\/figure><\/div>\n\n\n\n<p><a href=\"https:\/\/www.insuringky.com\/blog\/strategic-independent-agents-alliance-siaa\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Independent agents have access to more markets. (opens in a new tab)\">Independent agents have access to more markets.<\/a>  More markets should mean better prices and in this case, it certainly does.  Business owners are often willing to spend a little more time and put in a little more effort.  The point is simple. If their competitor is able to secure insurance at a better value, they will be more competitive. Certainly a position no business owners wants to find himself in!<\/p>\n\n\n\n<p style=\"text-align:center\"><strong>                                                                            2017 Commercial Lines US Market Share <\/strong>(Business Insurance<strong>)<\/strong><\/p>\n\n\n\n<p>Captive &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;   16%<\/p>\n\n\n\n<p>Independent&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;     84%<\/p>\n\n\n\n<p>Direct&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &lt;\n1%<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Overall the Independent Insurance leads the way, writing nearly 82% more US Property and Casualty insurance than the number two insurance company category, the Captive Carriers.<\/p>\n\n\n\n<p><strong>2017 Combined US Market Share <\/strong>(All Property and Casualty Insurance<strong>)<\/strong><\/p>\n\n\n\n<p>Captive &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;  31.9%<\/p>\n\n\n\n<p>Independent&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;    58.1%<\/p>\n\n\n\n<p>Direct&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp; 9.9%<\/p>\n\n\n\n<p><strong>What type of insurance carrier is\nright for me?<\/strong><\/p>\n\n\n\n<p>There is no\nright answer for everyone.&nbsp; But if you\nare embarking on a search for cheap insurance in Kentucky, you might consider\nreviewing the questions below:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Will you be looking Kentucky business\ninsurance quotes?&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/strong><ul><li>As\nwe noted earlier, Independent Insurance Agents write far more insurance than\nthe other two types of insurance companies combined.&nbsp; There is a reason this is happening, if you\u2019re\nlooking for the cheapest insurance chances are you will find it here.<\/li><\/ul><ul><li>Don\u2019t\njust get a commercial insurance quote, while you\u2019re working with your Kentucky\nIndependent Insurance Agent, have them quote your home and auto insurance.&nbsp; Doing so my end with a lower premium on both\nyour commercial insurance and your home and car insurance.&nbsp; TAKE ADVANATAGE OF DISCOUNTS EVERY CHANCE YOU\nGET.<\/li><\/ul><\/li><\/ul>\n\n\n\n<p><strong>Business\nowners, that don\u2019t get a commercial insurance quote from an Independent Insurance\nAgent, are a favorite to pay a higher insurance premium than your\ncompetition.&nbsp;&nbsp; <\/strong><strong><\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Do you think the cheapest insurance\nis the best insurance?&nbsp; <\/strong><ul><li>Price\nis important!&nbsp; It\u2019s very important, but\nit should never be your only consideration when buying insurance.&nbsp; It doesn\u2019t matter whether you are searching\nfor household insurance, or for your business.&nbsp;\nThere are several issues you will want to explore:<ul><li>Deductibles-Be Extremely cautious if\nit is percentage (i.e. 1-2%) instead of a dollar amount (i.e. $1,000)<\/li><\/ul><ul><li>Causes of Loss<\/li><\/ul><ul><li>Replacement cost or Actual Cash Value<\/li><\/ul><ul><li>Standard\/Excluded Coverages \u2013 Your homeowner\u2019s\ninsurance policy will exclude many items that you should be given the\nopportunity to consider:&nbsp; Earthquake\ninsurance, sinkhole insurance and many others<\/li><\/ul><ul><li>Do you understand your business\ninsurance policy?&nbsp; There are many moving\nparts, any of which could spell the end of your business if not properly\naddressed.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/li><\/ul><\/li><\/ul><\/li><\/ul>\n\n\n\n<p><strong>None\nof three insurance marketing venues has a hold on Cheap Insurance.&nbsp; Your personal financial situation, loss\nhistory, age, location along with many other factors will all come into play in\ndetermining your insurance premium.&nbsp; <\/strong><\/p>\n\n\n\n<p><strong>We\nadvise our clients to think in terms of the best relative value.&nbsp; Most of us have a job and commute to and from\nwork four or five times a week.&nbsp; Would you\nconsider buying a bicycle to provide you transportation to and from your\nwork?&nbsp; <\/strong><\/p>\n\n\n\n<p><strong>For\nthose that live a very short distance from work, this might be a viable\noption.&nbsp; For several years I worked\nwithin 2 miles of my home.&nbsp; During this\nperiod, a bicycle would appear to have been a cheap option.&nbsp; I could have saved $10,000, $20,000, even\nmore had I taken the bicycle route.<\/strong><\/p>\n\n\n\n<p><strong>That\nwould certainly be a great relative value if I lived in Gainesville\nFlorida.&nbsp; But what if I live in\nFairbanks, Alaska, where the average high temperature from November 1<sup>st<\/sup>\nthrough March 31<sup>st<\/sup> is 10 degrees Fahrenheit?&nbsp; The bike would not be a wise choose.&nbsp; <\/strong><\/p>\n\n\n\n<p><strong>When\nI ask clients to focus on the best relative value, I am asking them to spend a\nlittle more time to review policies.&nbsp; Sometimes\nthe best insurance policy actual is offered at the lower price or at a premium\nthat is so competitive that the only logical choice is to pay a little more for\nthe insurance policy that best fits the client\u2019s needs.&nbsp; Most of us would gladly spend an extra\n$20,000 to avoid commuting by bike in Fairbanks, Alaska<\/strong><\/p>\n\n\n\n<p><strong>Insights<\/strong><\/p>\n\n\n\n<p><strong>The Commercial Insurance market is extremely dependent\non the Independent Insurance Agency Network.&nbsp;\nThis group has access to more markets, better options, and overall\nbetter pricing.&nbsp; We highly advise all Kentucky\nBusiness Owners to seek the assistance of an Independent Insurance Agent.<\/strong><\/p>\n\n\n\n<p><strong>Where can I get lowest cost insurance?&nbsp; Best Relative Value?<\/strong><\/p>\n\n\n\n<p><strong>No one has a hold on Cheap Insurance.&nbsp; Independent and Captive markets provide consumer\u2019s access to<a href=\"https:\/\/www.insuringky.com\/blog\/need-help-finding-a-good-insurance-agent\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" Knowledgeable Agents and more specifically, knowledge of Kentucky Insurance. (opens in a new tab)\"> Knowledgeable Agents and more specifically, knowledge of Kentucky Insurance.<\/a><\/strong><\/p>\n\n\n\n<p>At the end of the day, we believe that it&#8217;s that independent insurance broker.  There we believe you will more often find the end of your rainbow.  <\/p>\n","protected":false},"excerpt":{"rendered":"<p>What color is your umbrella? In today\u2019s world, when it comes time to buy insurance, you will find that you have a range of options.&nbsp; The challenge is learning to optimize them to meet your own unique constraints and objectives.&nbsp; &nbsp;Individuals and businesses seeking Kentucky Insurance need to develop a thorough understanding of their insurance [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[1078,1077,710,21,901,1003,1075,1079,1076,263,902,1086,1080,337,1081,776,1085,1083,502],"class_list":["post-987","post","type-post","status-publish","format-standard","hentry","category-insurance","tag-best-deal-in-kentucky-for-insurance","tag-best-deal-on-insurance","tag-best-insurance","tag-business-insurance","tag-business-insurance-ky","tag-cheap-insurance","tag-cheap-insurance-cheapest-insurance-kentucky-insurance-cheap-insurance-in-ky-homeowners-insurance-policy-household-insurance-kentucky-no-fault-business-insurance-ky-homeowners","tag-cheap-insurance-in-ky","tag-cheapest-insurance","tag-commercial-insurance","tag-commercial-insurance-ky","tag-commerical-insurance","tag-homeowners-insurance-policy","tag-homeowners","tag-household-insurance","tag-independent-insurance-agent","tag-independent-insurance-broker","tag-kentucky-no-fault","tag-no-fault-insurance"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/posts\/987","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/comments?post=987"}],"version-history":[{"count":2,"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/posts\/987\/revisions"}],"predecessor-version":[{"id":1080,"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/posts\/987\/revisions\/1080"}],"wp:attachment":[{"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/media?parent=987"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/categories?post=987"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/tags?post=987"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}