Agents for an elite selection of major insurance companies.
“Family Select did exactly what I asked – same or better coverage for less!”
Michael H. – Louisville, KY
Insurance for the Louisville, KY Region
Owned by locals. Operated by a family.
Family Select Insurance offers personal insurance and business insurance choices throughout Kentucky and Indiana.
“I knew I needed to get my insurance quoted by another carrier but kept putting it off. I had seen Family Select ads on TV. I called, what could I lose? The agent was wonderful on the phone, walked me through the process and was able to put together a policy bundle with some improvements over our old policy and saved me $1,000 a year. All of this took maybe a half hour of my time. It was hands-down an excellent experience!”
Darlene R. – Louisville, KY
Check out the page “Awesome Feedback” for more than 800 reviews from satisfied clients!
Who enjoys shopping for insurance?
Let’s face it, nobody likes shopping for insurance. However, the good news is that we have simplified the process of finding the best price for the best insurance coverage, whether it’s Medicare, business life, renters, home, or auto insurance. Once you enter the quick and easy insurance gap, you can shop for multiple insurance companies all at once.
We have partnered with some of the best tech companies and insurance providers to make it possible for you to end up saving hundreds of dollars and a lot of time, making many clients very happy. But before you take our word for it, read our amazing feedback and see for yourself how we have helped many clients get better or more coverage insurance than they had before.
Personal Insurance
Business Insurance
6409 Dutchmans Parkway.
Louisville, KY 40205.
Providing insurance solutions for Louisville, KY and beyond.
Family Select Insurance Client Portal
Manage your account with us quickly and easily!
Report a Claim
Make a Payment
Request Auto ID Card
Policy Review
EZ Quote
Our Amazing Feedback
There’s more to insurance than the price of the policy.
Discover our engaging visuals and acquire knowledge about your individual vulnerabilities and the corresponding insurance options.
Individual InsuranceCommercial Insurance.
Fire.
Risk Factor……………
Home rebuilding often costs significantly more than expected, with construction and building materials expenses rarely tracking inflation rates. Remember to have adequate insurance coverage for your home, as it can be devastating if you lose it to a fire. Besides the physical damage, fires can also have a significant emotional impact on your home.
Solution……………
Make sure that your homeowners policy includes coverage for replacement cost without any limit. It is important to have coverage that exceeds the current limit of coverage, as this will protect you in case the cost of rebuilding your home to code exceeds your coverage. Keep in mind that local ordinances and building codes often change over time, which may require additional costs.
Personal Belongings / Possessions – Property Destruction.
Risk Factor……………
Furniture, appliances, clothing, electronics, and other personal belongings can also be harmed or ruined. When your home experiences damage caused by an unforeseen incident, your personal possessions are also in jeopardy.
Solution……………
Make sure your homeowners insurance policy includes coverage for the full cost of replacing whatever damaged item you receive, so you always get reimbursed. Typically, homeowners insurance policies cover personal property, including the contents of your home and other personal items owned by you or your family members who live with you.
Additional Living Cost / Loss of Utilization.
Risk Factor……………
When unexpected events like lightning, fire, or a storm cause significant damage to your home, you might have to temporarily relocate and bear extra costs for accommodation, meals, and other necessities until the repairs are complete.
Solution……………
Ensure that your homeowner’s insurance policy provides coverage for additional living expenses, in case your house becomes temporarily uninhabitable due to a covered event, and you incur reasonable costs for housing and living expenses while it is being rebuilt or repaired.
Valuable Possessions.
Risk Factor……………
Generally, homeowner insurance policies usually have a limit for valuable items like jewelry, furs, fine arts, and other collectibles.
Solution……………
Obtain a personal life jacket or strategize for the safeguarding of your precious possessions in order to guarantee that you will possess the resources to substitute them.
Medical Expenses.
Risk Factor……………
If a guest is injured on your property, you may be required to pay any associated medical expenses, even when it’s due to a friendly baseball game, resulting in an injury.
Solution……………
Typically, medical expenses are paid without a claim of liability being filed against you. In the event that a person is injured on your property and medical attention is required, you would be able to submit the medical expenses to your insurance carrier. It is generally expected that your homeowners policy should include coverage for medical expenses, but it does not typically cover serious injuries that require extensive treatment and care.
Personal Liability.
Risk Factor……………
In the unfortunate event that someone falls or slips on your property, your family and you may be held responsible for any resulting injuries.
Solution……………
You should consider purchasing a personal excess or umbrella liability policy to provide additional coverage limits to protect your assets in case you are brought against in a lawsuit. Your homeowners policy includes personal liability coverage to respond to damages or injuries that may occur to a third party where you may be negligent.
Miscellaneous Coverage.
Risk Factor……………
The coverage provided by homeowners insurance policies may vary between different companies and states, and it may not include a trampoline in your backyard due to the serious risks associated with it, despite the fun it brings.
Solution……………
You should make sure that your homeowners insurance policy covers your trampoline, as many insurance providers refuse to take on liability for trampoline-related accidents and exclude this item from coverage.
Personal Harm / Slander.
Risk Factor……………
Young people are typically very active online. The use of social media and other websites can indirectly or directly increase the possibility of damaging someone’s reputation. By exposing you to a lawsuit, parents can also be involved.
Solution……………
You may need to seek additional coverage to include personal injury or defamation protection. Your homeowners insurance policy includes liability coverage for property damage caused by any family member, but it is unlikely to cover reputation damage caused by statements or rumors.
Umbrella / Additional Liability Coverage.
Risk Factor……………
In addition to the expenses for legal defense, do you possess sufficient funds in savings to handle your legal obligations? You and your family are held financially accountable for the harm caused to others following an extended legal dispute. They engage an attorney to advocate for them, and one of your visitors jumps into the shallow section of the pool and sustains lasting injuries while you host a pool gathering.
Solution……………
Excess liability insurance is offered either as a standalone coverage or as an addition to your homeowners policy. This type of insurance provides both financial protection and security. By extending the coverage beyond your existing auto, boat, or homeowners policies, an umbrella or excess liability policy enhances your personal liability limits, thereby offering added protection.
Flood Coverage.
Risk Factor……………
Could your home be at risk? Your homeowners policy does not cover flood damage. With changing weather patterns and increasingly common storms causing floods around the globe, places that are normally not prone to flood damage are experiencing more frequent losses. If you don’t live near a body of water, you may still suffer loss due to flooding.
Solution……………
Purchase a flood insurance policy to protect your home and contents from certain types of flood losses, as designated by the National Flood Insurance Program (NFIP), known as your own carrier, servicing your own program. The English text has been inverted without any explanation.
Secondary Home.
Risk Factor……………
Having a second home has the possibility of amplifying your liability risks.
Solution……………
Make sure to add your secondary residence to an excess liability or umbrella policy in order to have extra protection for any potential liabilities. Additionally, you should consider expanding the liability coverage of your homeowners policy to cover your secondary home.
Collector Cars.
Risk Factor……………
Classic or collector vehicles often have significant value and require unique insurance coverage and special documentation. Even if stored on your property, they are typically not adequately covered under your homeowners insurance, so ensure to protect them.
Solution……………
Insure your collector cars with a specialized insurance company that understands and focuses on unique vehicles, including classic cars and other collector cars.
Wine Collection.
Risk Factor……………
A deductible would also be applicable. The damage is only eligible for insurance if it is a covered reason for loss as stated in your homeowners policy. If the collection sustains damage, seeking coverage from your homeowners policy is a potential option. If you are an enthusiast of wine, you are aware that it is vulnerable to external environmental factors that can spoil it.
Solution……………
If you have a sizable wine collection, you may want to consider scheduling it on your homeowners policy. By doing so, you eliminate the deductible in case of loss and expand your coverage. You may also want to consider unique coverages for wine, such as coverage for spoilage.
Water Damage.
Risk Factor……………
The most frequent source of damage to a residence is the plumbing system within the house or a flood that originates either inside or outside the home. All standard homeowner insurance policies do not cover losses caused by flooding, and many policies also exclude losses resulting from the backup of sewers and drains.
Solution……………
It is crucial to conduct a thorough examination in order to safeguard your home and possessions against any form of water damage. We advise opting for insurance plans that provide coverage for sewer and drain backups. Additionally, it is important to find cost-effective solutions to mitigate the risk of flood damage.
Off-Premises Theft.
Risk Factor……………
Interestingly, conventional car insurance does not provide coverage for personal belongings or items that are stolen from your vehicle.
Solution……………
Most homeowners policies offer an option to include coverage for theft off-premises, which covers theft of your personal property from a residence that you are away from.