Action Insurance:

Home Insurance

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    We can help you protect your home and possessions with affordable home insurance. Get your Bowling Green and Western Kentucky home insurance quote:

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    Protect your home, inside and out.

Ways To Save Checklist

We’ve compiled a list of ways to save on your home insurance policy. These are things you should know and strive to “check off” with your next policy.

  • check Bundle Your home and your car insurance. Save up to 35% on your home when you put your auto with the same carrier.

  • check Quote in advance. If you’re not in a hurry, we can save you more money faster! Get discounts on home insurance when you quote a minimum of 7 days in advance.

  • check Alarm Systems And Safety devices. You could earn extra discounts for fire alarms, burglar alarms, automatic sprinklers, and security systems in your home.

  • check New Purchase. If you’re buying a home, you get a discount for that!

  • check Go Paperless. The insurance carriers don’t have to spend money on billing and paperwork so that means you spend less on home insurance!

  • check Increase Your Deductible. Home Insurance is meant for catastrophes. Put more money in your pocket for maintenance by having a higher deductible.

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Coverages you might not be aware of:

Action Insurance wants to make sure you’re covered when tragedy strikes. Don’t go with an agent that isn’t upfront about the additional coverages you might need to protect the things you’ve worked hard for.

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    Water Backup

    Did you know that if water backs up into your home, you don’t have coverage unless you buy an endorsement!

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    Earthquake

    You may have heard that Western Kentucky is on a fault line. You heard right! At Action insurance, we are earthquake insurance experts and will give you the advice to help you sleep at night.

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    Possessions

    Did you know most insurance policies don’t include replacement costs on your contents? That means you might only get $100 for that $1,000 couch! Ouch!

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    Renters Insurance

    Whether it is a condo, apartment, duplex, or single-family home, renters insurance can help safeguard your possessions and more importantly, will protect you from personal liability.

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    Condo Insurance

    With a standard home insurance policy, visitors to your condo aren’t protected! Condo insurance can pay for any injuries that might occur. It can also provide coverage for your personal property.

We can make sure you have all the appropriate coverages in your home insurance policy.

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What’s covered?

Dwelling Coverage

Dwelling coverage can pay to repair or rebuild your home if damaged by a covered cause of loss. You will likely want to buy enough dwelling coverage to cover the estimated cost to repair or rebuild.

Other Structures Coverage

Other structures coverage can pay for covered damages to detached structures like garages, sheds and fences on your property.

Personal Property Coverage

Personal property coverage can pay you for the personal items in your home that may be damaged or destroyed by a covered cause of loss, which could include your furniture, clothes, sporting goods and electronics. Special limits of liability may apply to certain items.

Loss of Use Coverage

Loss of use coverage can pay your additional living expenses if you must move out of your home temporarily while it’s being restored. This is subject to coverage terms and limits.

Personal Liability Coverage

Liability coverage can help protect you in the event of a claim and can provide a defense in the event of a lawsuit if you or a member of your household is responsible for causing bodily injury or property damage to others.

Home Insurance Deductibles and Limits

Your home insurance deductible is the amount of a covered claim that is your responsibility. The amount you choose for your insurance deductible depends on how much you’re prepared to pay if you have a covered loss. Your home insurance coverage limits (the amount of homeowners insurance you buy) starts with your dwelling coverage. The limits of coverage for the other standard coverages in your homeowners policy are typically calculated as percentages of your dwelling limit.

We’re available to answer any additional home insurance questions you might have:

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