Berea Office

302 Richmond Rd. PO Box 428
Berea, Kentucky 40403
Phone:  (859) 986-1056

Richmond Office

1060 Center Dr. PO Box 743
Richmond, Kentucky 40475
Phone:  (859) 626-5252

Home Owners Policy

Home Owners Policy (Glossary Word)

A type of insurance policy protecting a policyholder from risk of loss to their home as well as other related risks. These typically include other structures on the residence property, personal property and additional living expense as a result of covered loss and legal liability. Many perils are insured against such as fire, theft and windstorm; conversely, many significant perils are not automatically covered under a standard homeowner policy. These include earthquake and flood among others.


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