Homeowners Insurance Quote Forms
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Homeowners Insurance Information
PROTECT YOUR HOME AND EVERYTHING IN IT.
At McGuire Insurance Agency, we know how hard you’ve worked to turn your house into a home. Since your home is one of your most important financial investments, you’ll need proper coverage to keep your investment protected..
McGuire Insurance Agency is your trusted solution for homeowners insurance. We offer coverage options that are both flexible and affordable, and will work with you on an individual basis to find a policy that best suits your needs. Our team is dedicated to providing the assurance that your family and your possessions are secure.
Our Home Insurance coverage options include:
Scheduled Property Insurance
WHY HOME INSURANCE?
Accidents can happen at any time. Having the right insurance can help protect your home and belongings..
While standard Home Insurance can cover fire and weather damage, as well as injuries of others and theft, not all damages and accidents may be insured under a standard policy. That’s why it’s important to talk to an insurance specialist at McGuire Insurance Agency about specific coverage options to meet your individual needs.
McGuire Insurance Agency provides Home Insurance for residents near Prestonsburg, Lexington, Paintsville, Pikeville, Winchester, and Nicholasville.
Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.
Products underwritten by Nationwide Mutual Insurance Company and affiliates. Columbus, Ohio. Nationwide, the Nationwide N and Eagle, and other marks displayed on this page are service marks of Nationwide Mutual Insurance Company, unless otherwise disclosed. © 2018 Nationwide.
Common Homeowners Insurance Questions:
What is home insurance?
Your home represents one of the most important and expensive investments that you will ever make. That value alone is worth protecting, and homeowners insurance will help you do so.
You never know when a hazardous event—a house fire, break in, severe storm—might occur in your home, cause damage and put you in a very tricky situation. You will want to make the necessary repairs to your property without a huge financial strain, however. Homeowners insurance will pay your recovery costs on your behalf. That way, you can rest assured that you will be able to move on from life’s challenges without costing yourself an arm and a leg.
What does home insurance cover?
Homeowners insurance policies offer a diversity of benefits, each designed to offer targeted protection for a diversity of unexpected, unavoidable issues. These include:
Structure protection: This insures your house in the event of damage from fires, weather, theft, vandalism or other hazards.
Detached structures coverage: Other buildings on your property – such as fences, carports, gazebos and detached garages - will have coverage.
Possessions insurance: This pays for damaged belongings. Protection might cover everything from furniture to food in the pantry and computer systems.
Liability coverage: If you accidentally harm someone else or damage their property, you can use this coverage to repay them. Coverage will often pay for incidents both on and off your property.
Additional living expense protection: Do you need to move out temporarily after household damage? Let this coverage reimburse you for expenses like dining or hotel bills.
Plus, because your home is unique, you can further tailor your benefits with more unique options like:
We will always customize your plan to your advantage by helping you tailor your deductibles and overall coverage limits.
How much home insurance do I have to buy?
Most mortgage lenders require homebuyers to purchase homeowners insurance before they will approve loan applications. Generally, they will require you to obtain at least enough dwelling coverage for your home’s replacement cost value.
Regardless of any coverage requirement, however, you should always carry this benefit as part of your comprehensive personal insurance package.
What does home insurance cost?
Multiple factors could influence the cost of your home insurance, including:
The value of the home
The home’s location
Our agents are committed to helping clients get the customized policies that are perfect for them. That’s why we’ll work one-to-one with you to determine the best ways to get your home the coverage it deserves, but at prices you can afford.
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