Home Insurance
Your Home, Fully Protected.
We offer homeowners insurance designed for Kentucky residents. Whether you’re a first-time homeowner or have lived in your home for decades, our team will help you find the right coverage without the hassle or confusion.
Every home is different, just like the people who live in them. That’s why we take the time to understand your property, your priorities, and what matters most to you. Whether you’re insuring a single-family home, townhome, or condo, we’ll help create a home insurance policy that fits your lifestyle and your budget.
As a local independent agency, we work with multiple trusted insurance carriers to bring you the best balance of protection and value. There’s no pressure, no gimmicks, just honest guidance and reliable coverage from a team that’s proud to serve your community.
Home insurance policies can vary, but here are the most common types of coverage we’ll help you understand and choose from:
Helps repair or rebuild your home if it's damaged by fire, storm, or other covered events.
Covers the items inside your home, like furniture, electronics, clothing, and appliances, in case of theft or damage.
Protects you financially if someone is injured on your property or if you accidentally damage someone else's property.
Covers temporary living expenses if your home is uninhabitable due to a covered loss.
Covers damage to structures on your property that aren't attached to your home, such as detached garages, sheds, fences, and gazebos.
Ask us about extended replacement cost, water backup coverage, personal valuables (jewelry, art, etc.), identity theft protection, and more.
Home insurance typically doesn’t cover flood damage, earthquakes, normal wear and tear, or pests like termites. We can help you explore additional policies if needed.
It’s not required by state law, but if you have a mortgage, your lender will almost always require it to protect their investment.
That depends on the value of your home and belongings, your liability risk, and your comfort level. We’ll help you determine the right amount of coverage based on real numbers, not guesses.
Possibly. Some claims may impact your premiums, but every situation is different. We’ll walk you through the pros and cons before you file.
Yes! Bundling policies is one of the easiest ways to save. We can show you how combining home, auto, and other coverages can lead to lower rates and simpler billing.
Justin Graham was very responsive and professional. He was able to get us the best insurance rates for home and auto and made the process super easy and convenient. Highly recommend using Ingram Insurance!
Lance went out of his way to shop me the best rate for both home and auto. He even focused on the little details such as having a security system to help get a lower rate. I highly recommend reaching out to him to see what he can do for you.
Taylor was incredibly helpful with helping me learn about options for home and auto insurance. He was extremely knowledgeable and took the time to change up some coverage amounts to help me see the difference in costs for various situations. Will definitely recommend Ingram Insurance to all my friends and family!
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