Tips, Trends, & News
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...
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...
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...
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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