3103 Breckenridge Ln
Louisville, KY 40220
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The Palacio Miller Family of agencies -
Proudly Serving a five-state area!

Is home insurance needed in Kentucky?

Anyone that is in the Louisville, KY area will find that owning a home is a good idea. This part of Kentucky has continued to see demand for new housing and there is a strong local economy. While there are a lot of advantages that can come with owning a home, it is always important to remember that it is a valuable asset that needs proper insurance. There are a few reasons that home insurance should be considered a necessity here. 

Coverage is Required for Mortgage Borrowers

A situation in which you will need to have home insurance is if you have taken out a mortgage. Anyone that has financed their home purchase with a loan will find that their lender requires them to carry home insurance throughout the term of the loan. In fact, many lenders will also require that you have your monthly payments escrowed. This ensures that you will not have a lapse in payment. 

Coverage Protects Valued Asset

Even if your lender does not require you to carry insurance, having it is still a good idea. A proper home insurance plan will continue to protect your most valued assets. This includes giving you coverage to ensure you can repair your home following a fire or other incident that results in damage. It also can give you coverage and support for any of your personal belongings covered by the plan. 

Those that want to buy a home in the Louisville, KY area should make sure they speak with someone that they can trust. The team with the Palacio Miller Agency is always a good resource to speak with when you are assessing your insurance needs. Palacio Miller Agency can offer a lot of support that will help you build a plan that will continue to provide you and your home with great coverage. 


  1. We are locally owned and operated!

  2. We provide coverage through multiple carriers!

  3. We can combine coverage to save you money!

  4. We offer friendly customer service!

  5. You have 24-hour access to your policy info!


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