Homeowner’s insurance help protect you against the financial burden caused by damage to your home due to: fire, vandalism, theft, ice and wind damage.
Finding low cost home insurance in Louisville starts with comparing policies and insurance companies.
The average cost of home insurance in Louisville is between $1,350 and $1,750.
The variation is price is caused by:
Many people report a 10% savings by combining home and car insurance with the same company.
Car insurance in Louisville is significantly higher than the national average. Drivers can expect to pay approximately $2,500 per year.
Reasons for this higher rate are due to:
Personal factors that determine cost of car insurance:
There are of course ways to save money. Folks with good driving records can receive considerable discounts. Talk to your licensed Spanish-speaking insurance agent in Louisville to see if you are eligible for any price reductions or discounts.
Health insurance can be difficult to figure out on your own. Many people are covered by their employers’ health insurance plan. Depending on your age and financial situation, you may qualify for Medicare or Medicaid.
And if you are self-employed or do not qualify for health insurance through your job, you may be able to purchase coverage through the Government Health Exchange at a discount.
Talk to a local licensed insurance agent in Louisville about your options.
High risk drivers will have a difficult time finding cheap car insurance. Those that have had their license suspended will find it almost impossible; however there are still some companies who will provide liability coverage for a high price, in addition to filing an SR-22.
There are several reasons why a person would be required to have an SR22 certificate on file:
Once an SR22 is ordered by the courts, it is to be maintained, along with liability insurance for a period of 3 years, in most cases. This is an important step in having your driver’s license reinstated.
Commercial or Business Insurance protects you and the business you’ve worked so hard to build from property damage and lawsuit claims for any number of reasons. Speaking with a licensed insurance agent who specializes in business insurance can help take some of the guesswork out the business insurance plans that are required by law, and which plans will provide the most protection, while charging you the lowest price.
Provides broad coverage for your business and activities, including bodily injury. Cost an average of $54 per month.
Provides coverage for your commercial building and the equipment and inventory inside.
Provides insurance coverage for commercial vehicles, whether you or a covered employee is driving.
Provides financial protection against potential lawsuits.
Often required, it provides coverage for you employees in case of injury while working.
Provide financial guarantees to a projector owner or investor that you will adhere to the work, schedule and employee salary as described in a contract.
Once a senior begins taking social security, they are automatically enrolled in a basic Medicare plan. Other individuals eligible for this federal health insurance program is anyone aged 65 or older, individuals with end stage renal disease and certain individuals under 65 years old who are determined permanently disable and receiving benefits.
There is confusion surrounding Medicare and all its available options. Speaking with a licensed insurance broker can help clear up the confusion and they may be able to help you save money while ensuring you have the best Medicare coverage for your specific needs.
Medicare Part A covers:
Hospital services and supplies, limited time in a skilled nursing facility, part-time home health care and Hospice services.
Medicare Part B covers:
Doctor visits, outpatient specialist care, therapy, lab tests and ambulance fees, as well as certain medical equipment (wheelchairs, walkers, scooters and more).
Medicare Part C
Combines Parts A and B to give you more control over which doctors and hospitals you would like to go to.
Medicare Part D covers:
Prescription drugs
The Bilingual Insurance Agency Directory. Since 2008, Seguro-Insurance.com has helped consumers find affordable insurance rates in their native language.
