D'ambrosio & Elders Agency LLC
215 Thomas More Parkway, Suite C, Crestview Hills, KY 41017
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215 Thomas More Parkway, Suite C, Crestview Hills, KY 41017
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10 Town Center Boulevard, Crestview Hills, KY 41017
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2755 Mansion Place, Crestview Hills, KY 41017
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Learn about insurance coverage options specific to Crestview Hills residents.
Complete insurance guide for Crestview Hills, KY residents. Learn about home, auto, flood coverage costs, Cincinnati commuter tips, and student insurance needs.
Car InsuranceComplete guide to auto insurance in Crestview Hills, Kentucky. Understand KY's choice no-fault system, coverage requirements, and how to save on rates in 2026.
Yes, you should seriously consider it. While Crestview Hills isn't in the high-risk flood areas like eastern Kentucky, the 2025 floods proved that heavy rainfall can cause flooding anywhere in the state. Standard homeowners insurance doesn't cover flooding, and FEMA reports that 25% of flood claims come from outside high-risk zones. Flood insurance for homes in low-to-moderate risk areas typically costs $400-700 annually and provides crucial protection against Kentucky's number one natural disaster risk.
Your daily commute to Cincinnati increases your annual mileage and exposes you to heavy highway traffic, both of which raise your risk profile and insurance costs. Insurers ask about your commute distance and frequency when calculating rates. However, you can potentially offset this by asking about discounts for carpooling, using public transit like TANK, or installing telematics devices that monitor safe driving. Always report your actual commute honestly—misrepresenting this information can lead to claim denials.
Homeowners insurance is designed for owner-occupied properties and won't cover you adequately if you're renting out a property to Thomas More students or other tenants. Landlord insurance provides dwelling coverage, liability protection for tenant injuries, and crucially, lost rental income coverage if the property becomes uninhabitable due to a covered loss. Given that landlord policies only cost about 15-25% more than homeowners insurance, it's a necessary investment for protecting your rental property and income stream.
Kentucky homeowners pay 46% more than the national average primarily because the state faces nearly every type of natural disaster—floods, tornadoes, severe thunderstorms, ice storms, and wind damage. Since 2020, FEMA has issued 13 disaster declarations for Kentucky, and flooding alone is the state's most frequent and costly natural hazard. Insurance companies price policies based on claims history and risk, and Kentucky's exposure to multiple severe weather events drives up premiums for everyone, including Crestview Hills residents.
Bundling your home and auto insurance with the same carrier typically saves 15-25% on both policies and simplifies your insurance management with one agent and one renewal date. However, don't bundle blindly—sometimes separate specialized carriers offer better coverage or lower total costs. Get quotes both ways, comparing the bundled discount against the best separate prices. Also consider the insurer's financial strength, claims service reputation, and coverage options, not just the price.
Absolutely. Renters insurance costs just $15-30 per month but provides critical protection for students' belongings, liability coverage if someone is injured in their apartment, and additional living expenses if they're displaced by a covered event. Many students don't realize that their parents' homeowners policy typically provides limited or no coverage for off-campus apartments. The liability protection alone is worth it—if a student's negligence causes damage to the rental property or injures someone, they could face thousands in costs without coverage.
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