Tips, Trends, & News
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...
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...
If You Are a Careful Driver, Electronic Monitoring May Be a Good Way To Save Money On Auto Insurance…
Many drivers accept monitoring to get safe-driver discounts on auto insurance. While looking for car insurance, you have probably heard about usage-based insurance and wondered how it works. A computer chip is installed in your vehicle, which tracks your driving...
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...
How To Get Affordable Auto Insurance For Low-Income Drivers…
Low-income drivers can save hundreds of dollars a month on car insurance with minimum coverage, pay-per-mile or state-subsidized insurance policies. Only three states have state sponsored insurance for low-income households. They are California, New Jersey and...
How To Find The Best Insurance Rates For Your Sports Utility Vehicle (SUV)…
The average cost for car insurance is around $1,800 per year for full coverage, but the price you pay for your auto insurance policy may differ based on a variety of factors, including the type of vehicle you drive. SUVs are a popular type of vehicle, and in general,...
Used Car Insurance: Everything You Need To Know…
Buying used car insurance is similar to buying insurance for a brand-new vehicle. You will need to determine the level of coverage needed and compare quotes among different providers. A used car insurance policy protects the vehicle from both third-party liabilities...
7 Situations That Will Lead to High Risk Auto Insurance Premiums…
Okay, high-risk auto insurance (also known in the industry as nonstandard auto insurance) is the coverage you have to buy when an insurance company decides you're more at risk of getting into an accident and filing a claim than the average driver. The drivers are not...
Different Forms of Automotive Insurance and Their Coverage…
If you drive a car, financial loss may occur for a number of causes and automotive insurance can cover your losses in different ways. You may question what your auto insurance covers. You may know how car insurance works but may not be aware of the various forms of...
Best Options On Car Insurance For College Students…
College can come with some significant expenses — from tuition to room and board. The average college student for 2020-2021 spent more than $35,000. You (or your parents) may be looking for ways to cut some costs, including saving some money on your car insurance. It...
8 Pretty Simple Ways to Reduce Car Insurance Premiums…
The cost of purchasing an automobile has significantly increased as well as the number of car accidents. Finding ways to cut costs is becoming more important due to both of these. Here are some ways to decrease your insurance costs. Smaller Vehicle The bigger the car...
10 Insurance Tips To Help You Cover Yourself When Buying a New Car…
As if buying a car isn’t stressful enough then you need car insurance. This should be relatively simple with the proper research. There are so many auto-insurance companies to choose from, so do your due diligence and make sure you are getting the coverage you need...
Auto Insurance Tips – What Is Car Insurance Deductible?
An auto insurance deductible is what you pay “out of pocket” on a claim before your insurance covers the rest. Collision, comprehensive, uninsured motorist, and personal injury protection coverages all typically have a car insurance deductible. You typically have a...
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...
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...
16 Important Misunderstood Insurance Terms You Need to Understand…
There are so many insurance words that seem like a foreign language. A good insurance agent can help you make sense of all of it. Read on to understand some of the commonly used words in your insurance policy. Annuity An annuity is a contract between you and an...
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...
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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
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Florence, KY 41042
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