Congratulations on purchasing a new home! If you are new to Winchester, Kentucky, welcome to the community. It’s a great place to live, raise a family, and work. We may be biased but there isn’t a better place to live. The town isn’t too small and it’s not huge like Louisville, but we aren’t too far away from the “big” cities such as Louisville and Lexington.


Now that you’re about to move into your new home, it’s time to start looking into purchasing home insurance. This is an important purchase, one that can be expensive if you don’t do a bit of shopping around or purchase from a company that rips you off. The best way to find the right homeowners insurance plan is through a licensed agent.


Don’t under-insure


We realize that money is tight with most. Everyone has to set a budget and can only spend what they can afford. But home insurance is one purchase you need to fit into your budget, and not just any insurance plan. You need a plan that covers all the bases. If you are left under-insured, you could find yourself in a tough financial situation should your home get damaged due to flooding, theft, fire, etc. Make sure you get enough coverage so that, in the event of a catastrophe, you are fully protected financially.


Mix and Match


Getting a great rate on a good home insurance plan is all about mixing and matching. Search around for plans from different insurance companies. Compare the rates. Then compare the benefits. Then decide which plan gives you the best bang for your buck. It doesn’t have to be the cheapest plan or the most expensive plan. The plan you select should be the one that offers enough coverage at a price you can afford.


Accidents can happen


The proper mindset to have when owning a home is to understand that bad things can happen no matter how hard we try to prevent them. That doesn’t mean you should live in fear. It just means you should be prepared just in case something such as a devastating flood or fire destroys your home. Bad things happen to good people at the strangest, most unexpected times. As long as you are prepared, you won’t take a hit financially. That’s why it’s important to get a quality home insurance policy.


All forms of insurance were created to help minimize risk. The better the insurance plan, the less risk involved. Speak to your agent about ways to fully insure your home so that, should an unfortunate incident occur, you won’t have to worry about paying for the damages.