Personal Insurance
Proudly insuring families just like yours throughout Kentucky and Tennessee.
You’re here for a reason – to protect what you value most. Insurance is your answer to that… but it’s no secret that insurance can be complex and difficult to understand, which may cause you to feel confused and overwhelmed by the process.
At The Murray Insurance Agency, we believe the insurance process should be simple- and give you peace of mind that, if tragedy strikes, the people and things you treasure most are protected.
HOME & PROPERTY
Your home is arguably your most valuable investment. Keep it protected with the best insurance policies.
WHAT IS HOMEOWNER’S INSURANCE?
Homeowner’s insurance covers a private residence. It is a package policy that covers damage and losses to your house and property, as well as your legal responsibility for any injuries or property damage sustained by others while at your residence.
Our home insurance partners offer a variety of coverage options, including:
- Dwelling coverage- for structural damage to your house, as well as coverage for other non-business structures on your property in case of fire, weather, water, and other damages excluding flooding.
- Personal property insurance- against fire, theft, and loss, with limitations regarding valuable items.
- Liability protection- in the event that someone makes a claim against you for injuries or damage sustained in your home or on your property.
- Coverage for loss of use and additional living expenses if the space was rented out, excluding utility fees.
- Additional coverages for money spent on reasonable repairs, damage to trees and shrubbery, collapse, debris removal, fire department changes, etc.
KEEP YOUR HOME AND FAMILY SAFE
Home insurance is essential for protecting your family and helping you recover after disasters. Talk to us today about which coverage is right for you based on your home’s value and risk factors. Our agents can help you insure your home for the first time, or switch to one of our insurance carriers.
Mobile homes are susceptible to damages and incidents that houses aren’t. We can keep your mobile, manufactured, or modular home protected from the unexpected.
WHAT IS MOBILE HOME INSURANCE?
Mobile home insurance is similar to standard home insurance, but the increased risk of severe weather damage, fire, and theft proven to affect mobile homes leads to a need for more unique insurance options.
- Our carriers offer mobile home insurance options including:
- Trip collision coverage, which insures your home as it is transported from the factory to your location.
- Vendor’s single interest coverage, which protects against various types of fraud, including a lienholder’s right to repossess the manufactured home.
- Dwelling coverage for structural damage to your mobile home, as well as coverage for other, non-business structures on your property in case of fire, weather, water, and other damages excluding flooding.
- Personal property insurance against fire, theft, and loss, with limitations regarding valuable items.
- Liability protection in the event that someone makes a claim against you for injuries or damage sustained in your mobile home or on your property.
- Coverage for loss of use and additional living expenses if the space was rented out, excluding utility fees.
- Additional coverages for money spent on reasonable repairs, damage to trees and shrubbery, collapse, debris removal, fire department changes, etc.
PROTECT YOUR MOBILE HOME
Your mobile home is an important asset to you and your family, but its structure makes it more susceptible to loss and damages. Protect your investment by insuring your mobile, manufactured, or modular home today. Ask one of our agents how to get started.
Insuring your condo means affordable protection for your unit’s interior, your personal property, and yourself.
WHAT IS CONDOMINIUM INSURANCE?
Condo insurance is specifically designed for those who live in a unit structure owned and insured by a separate association. These associations employ master insurance policies that usually cover only the external structure of the unit. With condo insurance, you can protect the interior along with all your valuables.
Our insurance partners offer these benefits when you insure your condo:
- Coverage for damage to personal property such as furniture, electronic equipment, and clothing.
- Liability protection in the event that someone makes a claim against you for injuries or damage sustained in your condo.
- Coverage for interior walls and floor coverings.
- Coverage for improvements or upgrades you make to the condo that aren’t covered by the master insurance policy.
KEEP YOUR CONDO SAFE
The same way homeowner’s insurance protects you from liability and personal property damage in your home, condo insurance protects you in all the ways that most unit association’s insurance policies don’t. If you and your condo’s interior aren’t covered, talk to one of our agents today to get started on your policy.
When you rent, you put yourself and your property in unknown territory. Protect your assets from the unexpected with renters’ insurance.
WHAT IS RENTERS’ INSURANCE?
Renters’ insurance is like homeowner’s insurance, but you take it with you even if you move. It protects your personal property and provides most of the benefits of home insurance, including liability insurance. However, it does not protect the dwelling or structure of the home itself, which is the landlord’s responsibility to insure.
Our carriers can protect renters and their property against the following:
- Fire
- Theft
- Vandalism
- Liability if someone is hurt or accrues damage to personal property in your rental home
- Additional living expenses (if you have to live somewhere else while the home is repaired, for example)
PROTECT YOUR PERSONAL PROPERTY ON THE MOVE
As a renter, you don’t have to worry about protecting the house or property; however, your personal items aren’t covered in the case of theft, natural disasters, or dangerous accidents that occur as a result of the landlord’s neglect. Talk to an agent about protecting your assets with a renter’s insurance policy.
Whether it’s one inch or six feet deep, floodwaters mean major damage for your home. Insuring your home against floods will give you peace of mind, even in the rainy seasons.
WHAT IS FLOOD INSURANCE?
Flood insurance protects the structure of your home, as well as your personal items that are ruined or damaged by flooding. Because homeowner’s insurance doesn’t cover flood damage, your home must be insured under a separate flood policy.
If you purchase flood insurance from our carriers, it can cover some or all of the following:
- Your home’s foundation
- A personal building’s foundation
- Electrical and plumbing systems
- Air conditioning equipment, furnaces, and heaters
- Appliances like washers, dryers, refrigerators, and stoves
- Personal possessions, such as electronic equipment, furniture, and clothing
WHY DOESN’T MY HOME INSURANCE COVER FLOODING?
Including flood coverage in comprehensive home insurance policies increases the premiums and deductibles, making it less likely for homeowners to buy and insurance carriers to sell the home insurance package. As a result, most homeowners insurance policies do not include flood damage in their list of coverages.
WHAT ABOUT NFIP?
The most common insurer against flood damage is The National Flood Insurance Program by FEMA. However, you cannot purchase flood insurance directly from the NFIP without an insurance agent, or if you live in an area that is not qualified for NFIP coverage. Whether you go with NFIP or a private insurer, there will be a 30-day waiting period before your policy goes into effect, so don’t procrastinate!
KEEP YOUR HOME SAFE FROM FLOODS
To protect your home from flooding, especially if you’re in an area susceptible to rising waters, you’ll need to purchase flood insurance. Not sure where to start? Ask one of our agents about the steps you should take to protect your home and belongings at an affordable rate.
The powerful and unpredictable nature of earthquakes can bring destruction to your home in the blink of an eye. Keep your assets protected in the face of disaster with earthquake insurance.
WHAT IS EARTHQUAKE INSURANCE?
Earthquake insurance protects your home and belongings from the damage that occurs when an earthquake hits. Like flooding, earthquake coverage is excluded from most comprehensive home insurance policies.
WHO NEEDS IT?
Earthquake insurance usually comes with a fairly high deductible, so this insurance may not be on your radar unless your home resides in an area where earthquakes are likely. Still, all 50 states are susceptible to earthquakes, and damages caused by these natural disasters are not covered by your homeowner’s insurance. Adding earthquake insurance to your policy provides extra protection in case your home is damaged — or completely destroyed — by an earthquake. The rate for your deductible depends on your home’s location, its building materials, and the likelihood of an earthquake.
If you purchase earthquake insurance from one of our carriers, they will cover some or all of the following:
- All damage to your home
- Damage to other, non-business structures on your property
- Damages to personal property
- Increased costs to meet current building codes or stabilize land under your home
- Cost to remove debris
Living expenses while your home is under repair
EXTRA PROTECTION FOR YOUR HOME
Keep in mind that earthquake insurance won’t cover fire or flood damage, even if the fire or flood was caused by an earthquake. However, when earthquake insurance is added to your home and flood policies, there is no disaster that you aren’t protected against. If you’re interested in adding extra protection to your home and family in case of an earthquake, talk to one of our agents today about purchasing a policy.
HEALTH & LIFE
Be there for your loved ones, even after you’re gone.
WHAT IS LIFE INSURANCE?
Life insurance is the one form of insurance policy that has nothing to do with protecting you, but financially protecting your beneficiaries if you die. There are several different kinds of life insurance, but the most common are term insurance and permanent insurance.
Term life insurance- provides only protection and flexible premiums for a specific period of time, during which, if you die, your beneficiaries will be awarded a benefit. People usually opt for term life insurance until they reach a point where they consider it “safe” to withdraw, such as when their home is paid off or their children graduate from college.
Permanent life insurance- provides lifelong protection to beneficiaries and is priced for you to keep over a long period of time. This type of insurance acquires cash value, and the premiums are usually fixed.
WHY IS LIFE INSURANCE IMPORTANT?
Life insurance is important to different people for different reasons. Some people may opt to never have life insurance at all. Depending on your financial goals and family situation, your policies and premiums will differ. If you’re afraid of leaving behind a large debt or taking a safety net away from your beneficiaries, you may want to consider buying life insurance.
GET COVERED
Purchasing life insurance from our providers gives you a variety of options, including the following:
- Income replacement during working years
- Wealth transfer
- Preservation
- Tax-deferred Wealth Accumulation
- Income protection
Insure your future today.
Feel better with good health insurance; you will thank yourself later!
WHAT IS HEALTH INSURANCE?
Health Insurance Association of America defines health insurance as “coverage that provides for the payments of benefits as a result of sickness or injury” as well as “insurance for losses from accident, medical expense, disability, or accidental death and dismemberment.” It is broken up into two main categories: Fee-for-Service and Managed Cared. Although both plans are not entirely like the other, they both can cover areas such as medical, surgical, and hospital expenses, as well as prescription drug and dental coverage.
HOW DOES IT BENEFIT ME?
As people, we are susceptible to accidents and illness whether we like it or not. Although it would be nice to plan for such instances, that is not always possible. When or if that moment comes and you find yourself without health insurance, you might be facing serious consequences on top of your pre-existing issues. However, with health insurance to help you, you don’t have to have any more added stress and can instead feel relaxed knowing you will be taken care of.
WHAT IT COVERS
- Long-Term Care
- Vision Coverage
- Dental Coverage
- Medical Expenses
- Surgical Expenses
- Hospital Expenses
Protect yourself by getting your health covered with insurance today.
Financial Stability in Tough Times
WHAT IS DISABILITY INSURANCE?
Everyone relies on a paycheck to provide for them, but what happens when that paycheck stops due to a disability? Mortgage, rent, or car payments don’t go away. Disability insurance is designed to protect those who experience a disability that prevents them from performing their job’s core responsibilities. Most people don’t have months of savings to back them up. So rather than use retirement savings early, you can rely on disability insurance to help you cover those large monthly payments.
SHORT-TERM DISABILITY
Short-term disability policies typically offer 1 and 3 year benefit periods. It covers monthly debts, such as car and home payments, during your recovery period from an illness or injury.
LONG-TERM DISABILITY
If you become permanently disabled, long-term disability insurance can help provide income for you to pay your bills and afford necessities such as groceries.
Get insurance that works for you when you can’t.
Make sure your dental health is protected throughout the years to come.
WHAT IS DENTAL INSURANCE?
Dental insurance covers medical expenses related to dental care such as annual teeth cleanings and dental related procedures and emergency visits.
DENTAL INSURANCE OFFERS:
- Annual dentist visits and teeth cleanings
- Cost coverage for emergency visits
- Cost coverage for oral surgeries
Invest in dental insurance to complete your health coverage today.
Don’t hold back from protecting one of your greatest senses.
WHAT IS VISION INSURANCE?
Vision insurance covers annual eye exams as well as other eye-related medical expenses. Not all general health insurance plans cover vision, so be sure yours and your family’s is protected.
VISION INSURANCE COVERS:
- Routine eye exams
- Contact lens and other optical exams
- Discounts on vision related expenses
- Coverage for eye-related injury/emergency
Cover all of your everyday and annual health needs, especially something as important as your eyesight.
Explore the world with confidence.
WHAT IS TRAVEL HEALTH INSURANCE?
Travel, especially international travel, exposes you to risks that you don’t face on a daily basis. Something that many Americans don’t realize is that their government or employer-sponsored health insurance does not cover them for many of these risks overseas. This means that international travelers can find themselves covering their own care, whether it’s a simple doctor’s visit or a large expense like medical evacuation from a remote area. Travel Health Insurance plans are designed to protect you when your trip is affected by unexpected medical costs.
MOST TRAVEL HEALTH INSURANCE PLANS CAN COVER:
- Doctor/hospital bills
- Medications
- Preventative services
- Medical evacuation
- Trip cancellation/interruption for illness
Travel Health Insurance plans can be written several ways: for short-term or long-term trips, domestic or international, for frequent fliers, individuals, groups, etc. If you’re planning to travel in the near future, get in touch with one of our agents today to see which Travel Health policy is right for you.
AUTO
Protect your everyday vehicle.
WHAT IS AUTO INSURANCE?
Auto insurance is coverage for the vehicles you drive and what can happen as a result. Driving can be unpredictable, and our insurers’ comprehensive auto insurance packages provide protection from any unforeseen circumstances.
WHY IS IT IMPORTANT?
No matter if you use a car or a motorcycle as your main mode of transportation, you’ll want to make sure you’re financially protected, should an accident happen along the way.
MOST POLICIES OFFER:
- Liability
- Comprehensive coverage
- Collision coverage
- Uninsured/underinsured motorists
- Rental car reimbursement
- Roadside assistance
- Medical payments as a result of an accident
- Coverage of damages that occur as a result of an auto collision with another vehicle
- Coverage of damages that occur as a result of an auto collision with something other than another vehicle
- Protection from vehicle theft
- Protection from vandalism
- Protection from weather related damages
- Accidents with uninsured/underinsured individuals
Protect yourself and your vehicle in case of an accident.
Protect your freedom to ride.
WHAT IS MOTORCYCLE INSURANCE?
Motorcycle insurance provides protection against injury due to a motorcycle accident or liability from a motorcycle driver and the actions they take.
WHAT IT COVERS:
- Roadside Assistance
Collision - Medical payments
- Physical damage to a bike as a result of a collision with another moving vehicle
- Physical damage as a result of something other than another moving vehicle
- Accidents with uninsured/underinsured individuals
If driving a motorcycle is a passion and way of life for you, be sure you protect yourself and the motorcycle you travel on.
Protect your antique & classic cars with an insurance plan unique to your hobby.
WHAT IS ANTIQUE & CLASSIC CAR INSURANCE?
Our antique & classic car insurance package has been specifically designed to protect these valuable collectors’ cars.
WHAT IT OFFERS
- Liability from a motor vehicle crash
- Damages to a car’s exterior
WHY YOU NEED ANTIQUE & CLASSIC CAR INSURANCE
We understand that you want to keep your antique car in pristine condition. They are a valuable asset and owning one or many is probably one of your passions. Keep its value safe no matter what with the right coverage.
Taking your auto protection a step further.
WHAT IS UMBRELLA INSURANCE?
Umbrella Insurance, also known as excess liability coverage, is designed to keep you and your valuables protected if ever you reach your auto and homeowner insurance liability limit. An Umbrella Insurance policy is particularly useful in automobile accident scenarios.
Imagine if you are involved in a car accident with a surgeon and his injuries keep him out of work for several months, so he sues you for $100,000 in medical bills, along with $1 million in lost wages. Your regular auto insurance policy may cover, say, $500,000, but you’re left to cover the rest alone. Your assets including college funds, retirement savings, and more could be at risk if you’re at fault in an automobile accident like that! That’s where your umbrella policy comes to the rescue.
MOST POLICIES OFFER:
- Bodily Injuries – covers cost of medical bills and/or liability claims as a result of injuries from second party member.
- Damage to property – covers cost of damage to property, accidental or otherwise, created by an outside force or member.
- Certain lawsuits – coverage is available for situations such as being sued for slander, libel, false arrest, and more.
- Owners of rental units – helps protect against liability claims as a result of issues created by outside forces or members.
- Defense coverage – covers attorney fees and other legal costs.
- Worldwide coverage – coverage for incidents that have happened abroad.
Typically, personal umbrella policies range in coverage from $1 million to $5 million. Talk to one of our agents today to see which amount suits your lifestyle and risks.
Protect your assets in case of an automobile accident.
RECREATION
Explore all terrains with confidence.
WHAT IS IT?
All Terrain Vehicle insurance protects against damages to your ATV as well as any bodily injury that may occur as a result of its operation.
ATV insurance policies can cover a great deal of vehicles that one might not consider to be ATVs. Some of the other vehicles covered include:
- Snowmobiles
- Golf Carts
- Go Karts
- Non Traditional
- Motorcycles
- And More
WHAT IT OFFERS:
Medical payments for injury as a result of an accident
Coverage of damages to your ATV
WHY YOU NEED ATV INSURANCE
You want to be sure that you’re protected by insurance no matter what it is you’re driving. Contact us if you have a question about whether or not your vehicle qualifies for coverage on our ATV insurance policy.
Go more places without a worry.
WHAT IS RV INSURANCE?
Recreational Vehicle Insurance covers motor homes, airstream trailers, mounted truck campers, and more. This coverage protects owners from problems unique to RV owners.
OFFERS COVERAGE FOR:
- Personal injury
- Property damage
- Collision
- Uninsured motorists
- The contents of your RV
- And more…
WHY YOU NEED RV INSURANCE
If an RV is your home away from home, why wouldn’t you purchase the best protection for it?
Protect your boat all season long.
WHAT IS BOATING INSURANCE?
An insurance plan for recreational boats used for fishing, sailing, and other water activities.
WHAT IT COVERS:
- Boating accidents and injury
- Weather related damage
- Vandalism
WHY YOU NEED BOATING INSURANCE
Your car isn’t the only thing that needs to be protected from external forces. If your passion takes place on the water, be sure to invest in protecting the thing that makes it all possible — your boat!
Learn How We Can Help With Your
Personal Insurance Needs
Reach out to us today to talk with one of our personal risk advisors about protecting the things that matter.