Tips, Trends, & News
5 Important Things to Know About Term Life Insurance…
With so much going on in the world now, life insurance might not seem like a hot topic at the dinner table. However, because so much has happened in the past year, people are more likely to be discussing what they need to do to be prepared for emergencies. Because of...
Ways You Can Build Wealth With Permanent Life Insurance…
You are probably familiar with how life insurance works, but do you know how permanent insurance works?... Term Life Insurance Term life insurance offers coverages for a particular time period i.e. the term. If you were to die within the term, your beneficiaries will...
Car and Truck Insurance Tips – Should I Get Full Coverage or Liability Coverage Auto Insurance?
The difference between liability and full coverage is straightforward. Liability insures against the damage you could cause other people or their property while on the road. Full coverage applies to damage to your vehicle. Liability coverage is a legal requirement in...
Tips That Will Help You Find The Best Life Insurance and Agent For You and Your Situation…
Now more than ever families are focusing on how to protect their financial security, now and into the future. Life insurance has moved to the top of many to-do lists. A recent survey shows that 45% of younger Americans ages 22-40 are more likely to buy life insurance...
What Happens to Auto Insurance Rates After An Accident?…
It's common knowledge that an auto accident directly impacts car insurance costs. However, the amount by which your auto insurance premium increases after a crash depends on myriad details. If you are involved in an auto accident, you might be facing some uncertainty....
Homeowners Insurance Tips – To Claim or Not to Claim, That Is The Question!
Homeowners' insurance and car insurance have one thing in common: the importance of weighing and carefully considering how doing so might affect your premium and pocketbook in the long run. In this blog, we will be discussing homeowners insurance claims. Every time...
4 Questions To Get Answered Before Buying Your Next Homeowners Insurance Policy…
Purchasing a homeowners insurance policy is not as exciting as planning a new deck or painting the kitchen but it is a big part of home ownership. Disasters can always happen and your homeowners' insurance would be your safety net in case it hits you. We want to list...
Does Your Insurance Pay Off Your Loan When Your Car or Truck is Totaled?…
If the insurance company deems your car a "total loss", you're still stuck with the terms of your car loan. Collision and comprehension will not cover the cost of replacing your car. Therefore it may not cover all payments you have left on your loan. You should know...
Insurance Tips – 8 Ways To Save Money On Your Homeowners Insurance…
If you are a homeowner, homeowners insurance could be costing you more money than is necessary. The price you pay for your homeowner's insurance can vary by hundreds of dollars, depending on the insurance company you buy your policy from. The following are 8 ways to...
Most of What You Need to Know About Basic Kentucky Auto Insurance…
As of 10/15/19... Kentucky Automobile Insurance Requirements for Drivers Since the residents of Kentucky do reserve the right to decline to follow the no-fault system, and since injury and medical expenses beyond a certain point waive the at-fault driver’s right not...
Questions Most Expecting Mom’s Have About Life Insurance…
Life insurance might not have crossed your mind before there was a newborn relying on you. But having a baby changes everything. If this is your first time looking for coverage, you may have questions. Here are some typical ones we have heard over the years... Term or...
A Comprehensive List of Homeowners Insurance Terms and Definitions…
What are the different insurance terminologies? Sometimes it is hard to decipher the legal jargon in your homeowner's insurance policy. This list of terms will help you understand what is covered. Hopefully, it will help you know what your insurance company is saying...
3 Things To Consider When Making Claim On Your Homeowners Insurance…
Homeowners' insurance and car insurance have one thing in common: the importance of weighing and carefully considering using it may affect your premium and pocketbook in the long run. Every time there is damage to your property or an accident on it, you need to weigh...
My Neighbor’s Tree Fell Into My Yard. Who Is Responsible?
If a tree falls in your yard, the first thing to do is call your insurance company. Most policies will cover tree damage caused by wind and winter storms. Usually, they will cover hauling away tree debris and cleanup and of course structure damage. Your insurance...
What Life Insurance Covers, Doesn’t Cover, and Might Cover…
You buy life insurance because it’s the best way to protect your loved ones. It’s a financial decision…kind of. It’s an emotional decision…sort of. It’s about love and caring and the future…most definitely. the unthinkable can happen to anyone. That is why you need to...
13 Types of Life Insurance – Tips and Advice That Will Help You Decide Which One Make Sense For You!…
When we value things, we protect them. If you wrote down a list of the most important things in your life-- who or what would top the chart. Your family, right? So how can you protect them even when you are gone? Life Insurance This is by far one of the most important...
7 Reasons Why Single People Still Need Life Insurance…
It is easy to believe you don't need life insurance when you are single but if you die without life insurance, your family will have to worry about all of your final expenses. These include paying for your funeral and burial out of pocket and dealing with any taxes or...
The 7 Critical Types of Insurances You Should Have…
What do helmets, life jackets, and insurance have in common? They all seem like a vexation when you do not need them, but when you do, you are even more grateful that you were prepared. Wreck your motorcycle without a helmet, you could suffer fatal injuries. No life...
Ways You Can Save Money on Your Northern Kentucky Car Insurance…
It is important that you have an understanding of how much insurance you need and how much you are required to carry. We know that it can all be a bit confusing but that is why we are here to help. We can help you build an insurance policy suited to your needs. The...
Motorcycle Safety Tips – Staying Safe Is The Best Way To Combat Expensive Motorcycle Insurance…
It might be common sense that riding a motorcycle comes with grave risk. However, did you know that motorcyclists are 27 times more likely to die in a crash compared to those in a car and they are 6 times more likely to be injured. Fatalities among motorcycle riders...
Important Reasons You Should Review Your Home, Life, and Auto Insurance Policies Every Year…
Can you save a good deal of money by reviewing your home, auto, and health insurance policies annually to ensure you are not being overcharged and have the right coverage. Many people fail to understand that insurance is not the kind of thing that you can just get and...
Texting On Your Phone IS Distracted Driving. View 6 Ways To Stop Yourself From Texting While Driving…
People should not drive while they are distracted. Talking and texting while you driving will distract you from what should be you #1 focus... Driving! The U.S. Department of Transportation reported that 1.6 million automobile accidents happen every year because of...
Do You Know What Your Homeowner’s Insurance Policy Covers?
Let’s face it, none of us our fans of insurance… that is until we need it. Your home is the biggest investment of your lifetime so you can’t risk not having homeowner’s insurance. If you were to lose your home in a fire or natural disaster, you would be faced with...
How Do I Get Renter’s Insurance? What Does Renter’s Insurance Cost?
Renters insurance may not be required, but having a policy is certainly a smart idea. Your belongings are worth more than you realize. Not only will renter's insurance cover the cost of replacing your possessions, but it will give you liability coverage and a host of...
The Differences And Advantages Of Having An Independent Insurance Agent Versus An Exclusive Captive Agent…
Logically, it makes more sense to work with a local, independent insurance agent because and independent agent has access to multiple A-rated carriers for all your insurance needs. Captive agents represent ONLY one company (i.e. State Farm agent, Farm Bureau agent,...
Umbrella Insurance – What Is It?, Why Do I Need It?, and How Do I Buy It?….
Umbrella insurance refers to liability insurance that is in excess of specified other policies and also potentially primary insurance for losses not covered by the other policies. You should not have to worry about being sued after you have built up some wealth. So...
How To Figure Out How Much Homeowner’s Insurance You Need To Safely Insure Your Home, Personal Property, and More…
Homeowners insurance protects what may be one of the largest investments of your life: Your residential property. But if you don’t buy sufficient coverage, your protection falls short, leaving you on the hook for huge repair bills or facing an expensive lawsuit. But...
What Is Gap Auto Insurance? Is It Worth It? and Should You Finance It With Your New Car Purchase?…
Let's first define GAP insurance. Gap insurance is an optional car insurance coverage that helps pay off your auto loan if your car is totaled or stolen and you owe more than the car's depreciated value. GAP is an acronym for Guaranteed Auto Protection. Gap insurance...
Car, Homeowners, Life, and Health Insurance Tips for Newly Married Couples…
The legal act of getting married, as opposed to just living together, can have some immediate impacts on your financial situation. Sitting down to do monthly budgets together and opening joint checking and savings accounts are all part of merging your lives. Just...
6 Ways to Keep Auto Insurance Premiums Affordable When You Have a Bad Driving Record…
When you apply for auto insurance your insurer will use your risk rate to determine your cost. Those with a bad driving record pose a higher risk to insurers. So they will have to pay more for their coverage. If you worry about how much a bad record will cost, you are...
5 Tips to Keeping Your Auto Insurance Premiums Low…
If you’re like many Americans, you might often wonder if you’re paying too much for your auto insurance premiums. You’ve likely searched the internet for ways to cut costs. There are several things to assess when looking at your premium rates and how to reduce them....
Auto Insurance Discounts – What Discounts Are Available and How Do I Get Them?…
In Kentucky, and most other states, you are required to have automobile insurance. The law is meant to provide a minimum amount of coverage for protection for people injured or whose property is damaged by another driver or vehicle. Your insurance broker can help you...
It’s Good to Have Employer-Provided Life Insurance, But Is It Enough? Take a Closer Look…
Maybe you’ve been meaning to buy life insurance but just haven’t gotten around to it. If you recently got a new job, or if it’s open enrollment season, you might have a chance to get life insurance through your employer at little or no cost. In this article, we would...
How Life Insurance Can Help Maximize Your Retirement And Protect Your Survivors At the Same Time…
It’s understandable if your life insurance policy is not top of mind for you on a daily basis. But did you know that, aside from paying your beneficiaries money upon your death, there are other benefits worth exploring? As you look ahead to retirement, it’s worth...
6 Signs You Need to Increase Your Life Insurance Coverage…
As life goes on, it changes. And some of those changes mean you need more life insurance coverage. If your life has undergone some changes in the years since you first bought your life insurance policy, it may be time to see if you have enough coverage. Here are signs...
Getting Married? Here Are Two Questions You Need To Ask Your Fiance…
Planning a wedding is a huge task and very time consuming, but remember the wedding and honeymoon is just the start of your life together. You need to also be planning a solid financial base for your future. You may have discussed joint or separate bank accounts,...
Why Long-term Care Insurance Makes Sense For Many People and How Much It Costs on Average…
Before you come to the rash conclusion that long term care is just for old people and nursing home payments, I want to tell you that 80% of people who need long term care get it in their home. Everyone should have a plan for long-term care. And with Americans living...
Who Can I Name as a Beneficiary on My Life Insurance Policy?…
Every insurance policy requires you to name a beneficiary. A beneficiary in the broadest sense is a natural person or other legal entity who receives money or other benefits from a benefactor. For example, the beneficiary of a life insurance policy is the person who...
A 9 Step Procedure To Follow After You Are In An Automobile Accident, In Most Cases…
You've been involved in an automobile accident...what should you do? The following 9 step procedure will help you protect yourself after an auto accident, in most cases... Report the Incident - Call 911 (or the non-emergency police line) to report the incident. If...
5 Things to Know About Getting Life Insurance for Your Children…
Depending on what you read, buying life insurance for children is a great act of love. The coverage is a way to save money for kids and “protect their insurability” - meaning their ability to buy more life insurance later, no matter their health, in addition to the...
7 Reasons Why Stay-at-Home Parents Need Life Insurance…
The purpose of life insurance is to protect the people you love most financially. If a stay-at-home parent passes away, that's a significant financial hit for any family to take. A life insurance policy payout can be a safety net that helps the survivors shoulder the...
Have You Been Denied Life Insurance? Follow These Steps To Get Insured…
Life insurance companies use a process called underwriting to determine not only how much your insurance premiums will be but also whether you’re eligible for life insurance coverage at all. Each insurer’s underwriting guidelines vary, so if you get declined for life...
Health Insurance Tips – How To Define Your Health Insurance Cost…
For most of us, health care costs seem to increase every year, and saving money on health insurance feels more and more out of reach. The typical American family of four paid more than $7,100 in health insurance premiums in 2017. That does not include out of pocket...
Rollins Insurance is an Independent Insurance Agency Providing Our Clients the Best Prices With The Most Coverage Possible Since 2008!
We represent multiple A-rated insurance companies to make sure we deliver the most competitive rate packages to our clients in Kentucky and Ohio. We find that most people are under-insured and over-paying when we meet them. We love what we do and our primary business is Personal Auto, Homeowners, and Life and Health insurance. We are a family-owned and managed business that specializes in providing needs-based insurance services. >> Learn More
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(859) 781-7283
Rollins Insurance
7000 Houston Road, Suite 8
Florence, KY 41042
(859) 817-9853 fax
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