Important Riders for Motorhome Insurance

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The most basic type of motorhome insurance covers various types of liability, collisions, uninsured and underinsured motorists, comprehensive issues, and medical payments. At Roark Insurance Agency, we can help Flatwoods, KY residents find riders to improve their policies.

Roadside Assistance

If you’re on vacation, there’s nothing worse than your motorhome breaking down. However, a roadside assistance rider will ensure your vehicle stays on the road. You’ll get 24/7 emergency support, help changing a tire, and even gas delivery if you run out unexpectedly.

Towing and Labor

When your RV breaks down for any reason, towing and labor coverage can help get the vehicle off the road and to a shop. This coverage often helps pay for some repairs and trip interruption expenses, such as lodging, transportation, and meals, as it gets fixed.

Replacement Cost

What happens when your motorhome gets totaled and can’t be fixed? If you add this rider to your policy, you’ll get either money back to replace the motorhome (its current value, not what you paid) or a new vehicle to replace it. This helps mitigate many heavy expenses for people who live in their motorhomes and need them replaced.

Personal Effects

People who live full-time in their motorhomes or who simply enjoy them heavily need personal effect coverage to pay for items in the vehicle. These may include things like televisions, beds, and even memorabilia. This coverage keeps them fully protected.

Let Us Help You!

At Roark Insurance Agency, we’ll find motorhome insurance that makes sense for Flatwoods, KY residents. With our help, it should be easier for you to identify a strong policy that protects your RV and motorhome from serious damage.

Kentucky RV Insurance Requirements

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Before you back out of your Flatwoods, KY, driveway in your RV, make sure you carry the proper insurance. If you drive your truck or SUV and tow your RV, such as a towable pop-up trailer or fifth wheel, you don’t need a separate RV policy. For any RV that you drive, the state of Kentucky requires insurance on it. At Roark Insurance Agency, we provide the RV insurance you need to remain in compliance with state law.

What Insurance Does Your RV Need?

RV insurance falls into the category of motor vehicle insurance. Like other forms of insurance that cover motor vehicles, the policy purchased must meet state minimum requirements. If you recently moved to Kentucky, you’ll need to update your RV insurance to meet this state’s insurance requirements of:

  • $25,000 for bodily injury per person
  • $50,000 for total bodily injury per accident
  • $25,000 for all property damage per accident
  • $10,000 personal injury protection (PIP) per person.

Once you’ve met the state requirements, add coverage like comprehensive and collision to protect your vehicle. Comprehensive reimburses you for repairs to your RV if a peril named in the policy damages it. Examples of perils include fire and tornado. Collision reimburses you for repairs to your RV if it gets damaged in an accident of any kind.

A few lesser-known coverage types can provide vital help when traveling in your RV. Roadside assistance coverage provides a tow truck, locksmith, or mechanical assistance to your location. If you run out of gas on the interstate, call roadside assistance, and they’ll bring a gallon of gas to you so you can reach a gas station. Rental car coverage pays for a rental car or RV if your RV must go into the shop for repairs or gets totaled in an accident.

Contact Roark Insurance Agency Today

Contact Roark Insurance Agency today for an RV insurance review. Let us help you protect your finances while you enjoy the country in your RV. Don’t leave Flatwoods, KY, without proper insurance coverage.

Have a Custom Bike? Here’s Why You Need Motorcycle Insurance

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Most states mandate motorcycle insurance. However, not all riders may have it in place. Some may hold the belief that their basic motorcycle doesn’t necessitate insurance. But what if you have a motorcycle with many customizations, be it in the form of structural modifications or added accessories? In such a scenario, insurance becomes vital. But why? Can insurance cover more than just the basic cost of your motorcycle? At Roark Insurance Agency in Flatwoods, KY, we’ll not only elucidate the importance of motorcycle insurance but also help you connect with suitable policies to ensure your safety and protect your cherished investment on the open road.

Why Consider Insurance for Your Custom Motorcycle?

Most riders may assume that motorcycle insurance merely covers the cost of the bike. If the majority of your expenditure is on customizations and the bike itself isn’t of significant worth, you might assume insurance isn’t necessary. However, add-ons to your policy can indeed cover your customizations. Additional accessories coverage and custom parts protection can provide the funds you need to replace some aspects of your bike in case of a collision or other incidents on the road. As long as your customizations are insurable (some might be deemed too risky and may be declined), you’ll be assured of being covered in all situations.

Choose Motorcycle Insurance and Add-ons with Roark Insurance Agency

Motorcycles can represent a considerable investment, especially when you continually enhance them over the years. We’re here to help safeguard that investment. Compare quotes now with us at Roark Insurance Agency in Flatwoods, KY!

Watercraft Insurance: Don’t Leave the Dock without It

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If you own a watercraft, be it a sailboat, motorboat, jet ski, or any other, you surely understand the significance of safety in water. For most boat and watercraft owners, safety extends beyond just mastering swimming; insurance protection becomes paramount. In certain marinas and waterways, insurance is even a prerequisite before docking. These are just a few reasons why people around the Flatwoods, KY area rely on the trusted team at Roark Insurance Agency for all their boat and watercraft insurance needs.

Watercraft and Boat Insurance: Don’t Leave the Dock without It

Safety on the water isn’t just about staying afloat. Responsible watercraft ownership extends to both on-sea and on-shore safety measurements, including insuring boats against potential damages. Engaging professional and experienced insurance agents can help you find the right coverage – from liability to accident coverage – ensuring you and your watercraft are protected irrespective of what lies ahead.

Boat and Watercraft Insurance in Flatwoods, KY

If you’re a boat or watercraft owner residing in or around the Flatwoods, KY area, safeguarding yourself and your seaworthy vessel with a boat and watercraft insurance policy is prudent. Have questions about boat or watercraft insurance? Need to understand the coverage for your boat or watercraft? Contact Roark Insurance Agency today to get your questions answered, ensure you have the protection you need, and find an insurance plan that fits your specific needs.

Does Home Insurance Include Flood Protection?

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For some people, thoughts of flooding and flood insurance never cross their minds because they don’t live in an area that typically floods. However, living in an area like Flatwoods, KY can make it more of a priority.

A common misconception among people nationwide, regardless of flood risk, is the belief that their home insurance policy provides coverage in case of flood damage. Unfortunately, they often find out this is not the case too late.

Am I Covered for Flood Damage?

Most standard home insurance policies do not cover flood damage. Water damage is generally not covered except in sudden, unexpected events such as bursting water heaters. The specifics, however, vary by policy.

If you examine your home policy, you’ll typically find that flood damage is expressly excluded, but this depends on your specific contract. Some policies list covered perils, while others list exclusions, meaning anything not explicitly excluded is covered. This can get confusing, but our Roark Insurance Agency team can help clarify whether your current policy covers flood damage.

Should I Add Flood Coverage?

While Kentucky law doesn’t require flood insurance, the state has experienced too many floods to ignore. A flood can be devastating to you and your loved ones. If it damages or destroys your home, the devastation increases as you try to pick up the pieces and recover. Flood insurance can help you get back on your feet more quickly.

At Roark Insurance Agency, we want to ensure that all residents and families in Flatwoods, KY, have the flood coverage they need. Call or stop by today for the protection and peace of mind you deserve.

When You Are A Beneficiary on a Life Insurance Policy

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Did someone recently make you the beneficiary of a life insurance policy? What does that mean? It means that a policyholder names you to receive a death benefit. This is the amount of money paid out by the life insurance company in the event of the policyholder’s death. Now, all that’s left to do is file a claim with the life insurance company and decide how you want to receive the payout. Consider using some of that to buy a wreath for the person who left you all that cash.

What You Need to Know

If you are a minor or in charge of a minor who is a beneficiary, you should know that a minor cannot receive the benefits until they turn 18 years old. Keep in mind that the process is not automatic. You might not even be contacted by the insurance company. It’s necessary to make a claim with the company. If there is more than one beneficiary, separate claims must be made. Are you a contingent beneficiary? That means you can only collect if the primary beneficiary is unable to do so. Note that you need to be named explicitly on a life insurance policy. Even if the policyholder was your spouse, you must be named on the policy. Remember, there is no way to change the beneficiary after a policyholder dies.

Roark Insurance Agency Serving Flatwoods, KY

If you need life insurance and are in the Flatwoods, KY, area, please contact Roark Insurance Agency. Our courteous and knowledgeable agents will do all they can to help you.

How to Get Commercial Insurance

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So you have decided to open a business. Or perhaps you have inherited a business. In any case, you will need commercial insurance. This will protect your assets if an accident or other loss happens on your business’s premises or from doing business with someone. It protects you from unexpected costs. Getting the insurance you need is easy if you go in forewarned and forearmed. 

What Kind of Insurance Do You Need?

The first thing you should ask yourself when seeking commercial insurance is, "What kind of commercial insurance do I need?" If you have hired people to work at your business, you will need workers’ compensation, unemployment, and disability insurance. Research to see if additional insurance is legally required. If your business provides a product, you will need product liability insurance to cover your assets if a defective product causes injury. If your business offers a service, you will need professional liability insurance to protect yourself against financial loss from error, malpractice, and negligence. If your business has significant property and physical assets, you will need commercial property insurance to protect it. If you run the business out of your own home, consider Home-based business insurance.

Roark Insurance Agency Serving Flatwoods, KY 

Congratulations, and best of luck on your new business venture. If you are in the Flatwoods, KY, area and are in the market for commercial insurance, please contact Roark Insurance Agency. Our sagacious and helpful agents are dedicated to helping you find the policy that best suits your needs. 

Coverage Considerations for Homeowners Restoring and Maintaining Historic Properties

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Preserving and maintaining historic properties in and around the Flatwoods, KY, region presents unique insurance challenges for homeowners. They must navigate specialized coverage considerations to protect these valuable assets. From restoration projects to ongoing maintenance, homeowners of historic properties face distinct risks that require tailored insurance solutions.

Coverage for Restoration Projects

Restoring a historic property often involves extensive renovations and repairs that can impact insurance coverage. Homeowners may need specific insurance policies, such as builder’s risk insurance or renovation insurance, to protect against risks associated with construction activities. These policies typically cover property damage, theft, and liability during restoration.

Valuation and Replacement Cost

Valuing historic properties accurately presents challenges due to their unique architectural features, craftsmanship, and historical significance. Homeowners should work with insurers experienced in historic preservation to assess replacement values and ensure sufficient coverage for rebuilding or restoration in case of damage or loss.

Liability and Public Access

Historic properties often attract public attention and may be used for events, tours, or educational purposes. Homeowners should consider liability risks associated with public access and activities on the property. This will save owners from a major headache in the long run. 

Preservation Restrictions and Compliance

Historic properties may be subject to preservation restrictions and compliance requirements imposed by local landmark preservation boards or organizations. Failure to comply with preservation regulations could impact insurance eligibility and coverage for the property.

Specialized Insurance Providers

For homeowners seeking comprehensive coverage and expert guidance, working with insurers specializing in historic preservation insurance is essential. These insurers understand the risks and challenges associated with historic properties and can tailor insurance solutions. 

Let Roark Insurance Agency Inform You

Roark Insurance Agency helps answer home insurance questions and serves the Flatwoods, KY region. Call us today.

Insuring Your Luxury Vehicle

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At Roark Insurance Agency, we pride ourselves on offering an extensive range of vehicle insurance solutions to drivers in and around Flatwoods, KY. We’ve got you covered, from vintage cars to everyday vehicles, delivery trucks to luxury sedans. For those with a preference for high-end luxury cars, below are some tips to ensure adequate coverage.

Incorporate Comprehensive and Collision Coverage

With the average price of a new vehicle now exceeding $40,000 and luxury cars often classified at over $100,000, it’s critical to include comprehensive and collision coverage to handle expensive repairs or replacement costs.

Consider Uninsured and Under-Insured Motorist Coverage

If you own a luxury vehicle, you can obtain extra peace of mind through uninsured and underinsured motorist insurance, which expands your coverage in the event of an accident with a driver who has inadequate or no insurance coverage.

Specialty Insurance for Exotic Cars

Exotic or supercars are typically high-performance, limited-production vehicles often capable of top speeds near or exceeding 200mph. Some insurance companies specialize in covering these supercars, so consider such providers should you possess such a rare gem.

Obtain a Quote for Your Luxury Car Insurance

While luxury cars might appeal for their superior engineering, enhanced safety, and posh comforts, maintaining them and their insurance come at higher costs, primarily due to expensive repair or replacement components and their allure to car thieves. As a result, luxury cars generally have steeper insurance rates compared to average vehicles.

Whether you already own a luxury car or are planning to purchase one, Roark Insurance Agency can help you secure the coverage you need. Contact us for a review of your car insurance and a free quote. We’re more than happy to assist anyone in the Flatwoods, KY, area.

What to Look for When Insuring a Classic Car

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Importance of Classic Car Insurance for Flatwoods, KY Drivers

If you’re a Flatwoods, KY resident and the proud owner of a classic car, you understand how precious these vehicles truly are. Regular auto insurance often falls short, failing to provide the expert protection such unique vehicles demand. You should consider insuring under a classic car insurance policy, which includes specific protections tailored to your classic car. Here’s what makes these policies different:

Storage Coverage

Often, classic cars spend more time in storage to shield them from external elements and maintain their pristine condition. Investing in a policy that provides storage coverage might safeguard your vehicle against fire, theft, and other risks, irrespective of its storage location, even when you’re not driving it.

Discount for Low Mileage

Since classic cars aren’t driven as regularly as traditional vehicles, their usage results in lower mileage – and a decreased risk of accidents. Opt for a policy that offers a low-mileage discount, leading to a substantial reduction in your premium.

Coverage for Full-Service Towing

Full-service towing coverage ensures safe and secure transport in a vehicle breakdown situation. This feature typically includes flatbed towing, which adds additional protection and care for your classic car.

Coverage for Specialized Parts

One hurdle in maintaining a classic car is acquiring the right parts, which may no longer be in production. Insurance that includes coverage for specialized parts can assist with sourcing and purchasing these elusive components.

Secure your Classic Car with the Right Insurance

Owning a classic car is more than possessing a vehicle, it’s cherishing a piece of history. Contact us at Roark Insurance Agency today. Our knowledgeable team has assisted countless Flatwoods, KY drivers in insuring their vehicles. We are ready to ensure your classic car is well-protected.

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