Winchester, Kentucky Home Owners….

Winchester kentucky homeowners insurance

Do You Know Which Policy Do You Have ? a Form 2…a Form 3…  a Form 5 ??



Do You Know Which Policy Will Cover You The Best ?


You deserve an agent who can explain all the coverage so that you can understand. We take the time to help you understand what you’re paying for.


“Value” on Homeowners insurance is finding an agent who can give you the right guidance and provide the kind of coverage that will be there when you need it. If you think value is getting the absolute lowest price on insuring the biggest investment of your life you could be in for some disappointment.  If you’re unfortunate enough to have a large homeowners claim you don’t want to find out your “walmart” policy didn’t protect you nearly as well as it should have. When most people hear the word “insurance” they think of their cars, but in many cases their home is the most important and expensive piece of property in Winchester,Kentucky they own. Our agency offers a variety of comprehensive  Ky homeowners insurance policies to choose from and these plans can be tailored to suit your individual needs and budget. 


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 At Williams Agency Insurance we also cover:

* Landlord’s Insurance
* Renter’s Insurance
* Condo Insurance
* Motor Home Insurance
* Flood Insurance
* Secondary Residence Insurance

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What Discounts Can I Get ?

* Multi-policy – By insuring your Kentucky  auto and home with ERIE, you will receive a discount on your auto premium as well as your homeowners insurance premium.

* New Home – Receive a discount if you live in a new Kentucky home.

* Premises Alarm – This discount is applied to your premium if you have smoke detectors installed in your Kentucky home.

* Sprinkler System Credit – If you install and maintain a sprinkler system, you will receive a credit on your Kentucky homeowners premium.

* Deductible Credits- for taking more of the smaller risks as your responsibility can dramatically reduce your annual premium

*Deadbolts, Fire Extinguishers, Current Updates, and the list goes on…we search out every possible discount for you


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Insider Tips on Shopping For Homeowners Insurance

1- Are you getting a replacement cost policy or an actual cash value policy ? There is a huge difference that could bankrupt you if you make the wrong choice or aren’t informed properly.


2- Did the agent gather enough information to properly estimate the true replacement cost of your home. Again, this is an area where just getting a quote can be very dangerous if you have not met the conditions of your homeowners contract. You shouldn’t be expected to know these things, a good agent will explain the differences and penalties for not meeting coinsurance requirements.


3- Be sure you get credit for alarm systems, sump pump alarms, smoke detectors, firewalls, masonry construction, fire station location. CO2 detectors, emergency lighting, etc.


4- What about collectibles ? Camera Equipment ? Guns ? Boats ? Trampolines ? Dogs ?  many factors will influence your rating and leave coverage gaps you need to know about. Be sure your agent knows about or asks about any of these types of items.


5-Claims history- Ky allows insurance companies to surcharge for claims history so be sure to disclose any previous claim activity to the prospective company. Surcharges can be applied for any type of claim and any amount of damages paid out. Keep this in mind next time you’re contemplating calling your agent with a $500 claim. Is it better to pay it out of pocket and avoid a surcharge for the next 5 years ?


6- Credit History, Those with good credit will often be offered a much better rate on their homeowners insurance.


7- Is your policy a Form 2 ?    a Form 3?   A Form 5 ?   Find out which coverage you have and why it should be upgraded to the absolute best policy form you can qualify for.  Here’s one of the biggest value’s of a personal agent to advise what’s best for you. Call us right away and we’ll help you decide what makes the best sense for you.






 The Best Policy at The Best Price….Or Your Money Back…That’s Our Guarantee