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Home > Renters Insurance | Lexington & Somerset, KY

Renters Insurance


Renters Insurance Information

For Renters in Kentucky


With renters insurance, you will be able to replace what is damaged or stolen.

Renters insurance covers your possessions against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm, and water damage from plumbing.

However, renters insurance does not cover floods, earthquakes or routine wear and tear. You can, however, buy separate policies for flood and earthquake damage.

If you are forced out of your home because of a disaster your additional living expenses will be covered.

Renters insurance pays the reasonable additional costs of temporarily living away from your home if you can't live in it due to a fire, severe storm or other insured disaster. It covers hotel bills, temporary rentals, restaurant meals and other living expenses incurred while your home is being rebuilt. Coverage for additional living expenses differs from company to company.

Renters insurance also covers your responsibility to other people injured at your home or elsewhere by you, a family member or your pet and pays legal defense costs if you are taken to court.

Decide How Much Insurance You Need.

Add up the cost of everything you would want to replace if it were damaged or stolen. This could also serve as the basis for an inventory that will make filing a claim easier. For an inventory, also record model numbers, dates and places of purchase. Take photographs or make a video of these items and place a copy of the inventory in safe place away form your home.

If you rent an apartment or house you need insurance to protect your belongings. While your landlord might have insurance, it only protects the building. Your belongings are not covered under those policies.

Contact Us Today! 800-511-2892

At First Insurance Group USA, our mission is to help you insure yourself and your belongings at the lowest cost, quickly and easily!

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Location First Insurance Group Property & Casualty Division, Inc.
2520 South Highway 27
Somerset, KY 42501

Phone: 800-511-2892
Fax: (866) 679-1492
First Insurance Group Glasgow, Inc.
1422 Happy Valley Rd.
Glasgow, KY 42141

Phone: 270-261-5181
Fax: (866) 679-1492
First Insurance Group Richmond, Inc.
Virtual Office
Richmond, KY 40403

Phone: 859-623-6692
Fax: (866) 679-1492

North Hardin Insurance
353 W Lincoln Trail Blvd
Radcliff, KY 40160

Phone: 270-351-4431
Fax: (270) 351-4493
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