Homeowners & Renters Insurance

Your home is one of your most valuable assets, and protecting it starts with the right insurance. At Jessie Insurance Agency, we help homeowners in Campbellsville, Lebanon, and across Central Kentucky navigate the complexities of home insurance. From understanding policy options to ensuring proper coverage, our team is here to simplify the process and give you peace of mind.

Your home is more than just a building—it’s where memories are made and where your most valuable assets are kept. Home insurance is essential because:

Protects Against the Unexpected

Life is unpredictable, and unforeseen events like fires, storms, or theft can leave your home and possessions vulnerable. Home insurance ensures you’re financially protected when the unexpected happens, so you can recover and rebuild with ease.

• Coverage for repairs or rebuilding after damage.
• Replacement of personal belongings due to theft or disasters.
• Protection from costly out-of-pocket expenses.

Meets Mortgage Requirements

If you have a mortgage, your lender will likely require homeowners insurance to protect their investment in your property. It’s a non-negotiable aspect of most home loans, ensuring the property remains secure in the face of potential risks.

• Protects both you and your lender from financial loss.
• Keeps your loan agreement compliant.
• Ensures peace of mind during the home-buying process.

Covers Liability

Accidents can happen at any time, and if someone gets injured on your property, you could be held legally responsible. Home insurance with liability coverage shields you from costly legal fees and medical bills.

• Pays for legal defense if you’re sued.
• Covers medical expenses for injuries sustained on your property.
• Extends to incidents caused by you or your family members away from home.

Provides Peace of Mind

Your home is where life happens—where memories are made and where your most valuable possessions are kept. With the right coverage, you can rest easy knowing you’re protected from financial loss and unexpected events.

• Confidence that your family and assets are secure.
• Freedom from financial strain after a disaster.
• Assurance that your home is always protected, no matter what.

Homeowners insurance typically combines several types of coverage into one convenient policy, including:

What Does Home Insurance Cover?

Understanding Home Insurance Policies

Policies vary based on coverage and exclusions. Here are the most common types:

• HO1 Basic Policy: Limited coverage, rarely sold.
• HO2 Broad Form: Covers specific perils like fire, theft, and falling objects.
• HO3 Special Form: The most common policy, covering all risks except specific exclusions like floods or earthquakes.
• HO4 Renters Policy: Designed for tenants to cover personal belongings.
• HO5 Enhanced Coverage: Expands on HO3 with broader protection for your belongings.
• HO6 Condo Policy: Tailored for condominium owners.
• HO8 Older Home Policy: Covers older properties with unique needs.