Tips, Trends, & News
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...
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...
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...
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,...
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...
A Comprehensive Guide For Buying Auto Insurance…
Navigating the complex world of auto insurance can be daunting, especially when confronted with a plethora of industry-specific terms and jargon. However, understanding these concepts is crucial for making informed decisions and ensuring you have the right coverage to...
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...
How to Get the Best Rates on Auto Insurance…
Auto insurance is a necessary expense for drivers, but that doesn't mean you have to pay more than you should. With so many insurance companies competing for your business, it can be overwhelming to navigate through the options and find the best rates. However, by...
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...
8 Tips For How to Save Money on Health Insurance…
Health care costs are on the rise, and finding affordable health insurance can be a challenge. However, there are several strategies you can employ to save money on health insurance without compromising your coverage. In this comprehensive guide, we will explore...
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...
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...
How You Can Use Whole Life Insurance for Retirement…
When it comes to planning for retirement, life insurance may not be the first thing that comes to mind. However, whole life insurance policies offer more than just a death benefit. They can also serve as a valuable source of income during your retirement years. In...
A Guide For Finding the Best Auto Insurance Rates and Value…
Finding the best auto insurance rates is a crucial step in protecting your finances and ensuring peace of mind while driving. With so many insurance companies and policies available, it can be overwhelming to navigate through the options and determine which one offers...
A Comprehensive Guide to Choosing the Right Homeowners Insurance Coverage…
Owning a home is a significant investment, and protecting it should be a top priority. Homeowners insurance provides financial security by covering damage to your property and personal belongings, as well as liability for injuries and property damage to others....
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...
Tips for Choosing the Right Health Insurance Plan…
Choosing the right health insurance plan can be a daunting task, especially during open enrollment season when you're faced with a multitude of options. It's important to carefully consider your needs and budget to ensure you make the best decision for yourself and...
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...
The Benefits of Bundling Home and Auto Insurance: Save Money and Simplify Coverage…
In today's world, where cutting costs is a top priority for many, finding ways to save money on essential expenses like home and auto insurance is a smart move. One option that can help you achieve this is bundling your home and auto insurance policies together. Not...
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,...
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...
The Importance of Homeowners Insurance: What Mortgage Lenders Require…
Homeownership is an exciting milestone, but it also comes with financial responsibilities. One of these responsibilities is obtaining homeowners insurance. While it may seem like an additional cost, mortgage lenders require homeowners insurance to protect their...
7 Signs That Your Home May Be Underinsured…
Home insurance is like an umbrella that protects you when it rains. But what if that umbrella is riddled with holes? Many homeowners assume that their insurance policy provides comprehensive coverage, only to find out they are underinsured when they need to file a...
Mold Insurance: What Every Homeowner Needs to Know…
Mold is a common problem that many homeowners have to deal with at some point. It can be a costly and frustrating issue to resolve, especially if you're unsure about whether your homeowners insurance will cover the damages. In this comprehensive guide, we will explore...
Top 10 Reasons to Get Life Insurance: Protecting Your Loved Ones and Securing Their Future…
Life insurance is a fundamental component of sound financial planning. It provides a safety net for your loved ones, ensuring that they are financially protected in the event of your untimely death. While it may be tempting to put off purchasing a policy, the reality...
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....
Why Is Auto Insurance More Expensive For Drivers Under 25?…
Drivers under 25 have less driving experience than older, more experienced drivers. To compensate for the increased risk of causing an accident, car insurance companies typically charge a higher rate for recently licensed drivers. Young drivers often pay the highest...
Find Out If Your Homeowners Insurance Covers Hail Damage…
Hail is most common in mid-latitudes during early summer where surface temperatures are warm enough to promote the instability associated with strong thunderstorms, but the upper atmosphere is still cool enough to support ice. In Kentucky, tornado frequency peaks in...
Ultimate Guide to Summer Driving Safety: Tips to Stay Safe on the Road…
When the summer season arrives, it's time for vacations and road trips. However, before hitting the road, it's crucial to prioritize safety. Planning ahead and conducting necessary safety checks can spare you from the consequences of breakdowns or, even worse, highway...
What You Need To Know About Jewelry And Designer Clothing Insurance…
You don’t have to be buying Princess Di’s Attallah Cross necklace or Alexander McQueen’s vintage Oyster gown like Kim Kardashian in order to have valuable couture. Having these high-value items under one’s roof naturally begs the question: are designer clothes covered...
4 Ways To Get A Lower Price On Car Insurance For Teen Drivers…
Adding a young driver to your car insurance policy can double the cost, but there are things you can do to save money. When teens get their driver's license, they receive the freedom they long for. Parents are also relieved of needing to be the ones to drive their...
Understanding Your Homeowners Policy – Will Homeowner’s Insurance Cover Tree Removal Cost?
Wondering whether that withered white oak is ready to come down, or that the mangled maple might be on its last legs? There comes a time in every tree’s life cycle when its beauty and splendor run out and it becomes a liability rather than a beloved landscape feature....
9 Ways To Lower Your Homeowners Insurance Costs…
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. Your home is a major investment, and it needs protection. Home insurance is the smart choice, but it can be expensive. Here...
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...
Will My Homeowners Insurance Cover My Guests at an Outdoor Wedding Reception On My Property?
When it comes to creating memories, there’s nothing quite like hosting a gathering with friends and family. Some of life’s best moments can happen when loved ones are gathered together under one roof. That said, is having your wedding at your family home a good idea?...
3 Reasons To Buy Insurance Through a Local Agent Instead of Purchasing It Online…
Whether you choose to buy your auto insurance online or at a local insurance agent’s office, you will be asked to provide information on your vehicle's make, model, and year. You'll also need to provide your driver's license number and current insurance information....
What Is The Difference Between Bonded And Insured?…
A surety bond is a guarantee with financial implications involving three parties, whereas insurance is a contract between two parties for coverage related to specific losses. Both bonds and insurance protect from losses. It's better to be bonded and insured than to be...
Do You Have Professional Liability Insurance Coverage to Protect Yourself Against Claims of Negligence from Clients or Customers?…
Professional liability insurance is a type of business insurance required by most states that provides coverage for professionals and businesses to protect against claims of negligence from clients or customers. Professional liability insurance typically covers...
What To Do When Your COBRA Health Insurance Runs Out…
What is the benefit of COBRA insurance? The Consolidated Omnibus Budget Reconciliation Act (COBRA) is a health insurance program that allows eligible employees and their dependents the continued benefits of health insurance coverage when an employee loses their job or...
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...
Car Insurance Tips For Drivers Who Have a DUI On Their Driving Records…
There are options if your current insurer cancels your policy or raises your premium as a result of your DUI. Think twice before driving while under the influence of drugs or alcohol. Roughly 28 Americans are killed in drunk driving accidents every day according to...
What Is A Preferred Provider Organization (PPO) Health Insurance Plan?…
A Preferred Provider Organization (PPO) health care plan refers to a health insurance plan that allows its members to have greater flexibility in choosing their doctors. You would have a network of doctors who have contracted with a provider company to provide health...
What You Need To Know About Getting Health Insurance After a Divorce…
If you are recently divorced, you might be exploring health insurance options. Fortunately, divorce is a Qualifying Life Event (QLE) that activates a Special Enrollment Period (SEP). Special Enrollment Periods allow you to enroll in Marketplace Health Insurance, known...
What’s The Best Car Insurance For New Drivers?…
A "new driver" can be teenagers, young adults or persons who got their driver's license later in life, as well as drivers who are new to the United States. Getting your driver’s license for the first time can be an exciting milestone. It can give you a sense of...
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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