3103 Breckenridge Ln
Louisville, KY 40220
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The Palacio Miller Family OF AGENCIES

Home Insurance in Kentucky


There’s No Place Like Home… Protect Your Special Place!


If you’re like most people, your home is the most valuable asset you own, both monetarily and sentimentally. It just makes sense to protect it against natural and man-made perils that have the potential to devastate your way of life. Homeowners insurance is designed to shield you against financial hardship in the event of a property loss.


What is Homeowners insurance?

Homeowners insurance is a package policy that covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions, such as floods and earthquakes. These perils are typically covered under separate policies. Your Palacio Miller Agency consultant can assist you in determining which supplemental coverages would best ensure you are sufficiently protected.

Why do you need homeowners insurance?

It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments. Consider:

  • If your home was destroyed by fire or damaged by a natural disaster, the cost to repair or rebuild it can be extensive.
  • If a guest in your home is injured, liability protection and medical coverage can help pay expenses.
  • If you are a victim of theft and vandalism, your home policy can reimburse you for your loss or pay for repairs.
  • If you are still paying a mortgage, your lender may require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.



  • We are locally owned and operated!

  • We provide coverage through multiple carriers!

  • We can combine coverage to save you money!

  • We offer friendly customer service!

  • You have 24-hour access to your policy info!

states we serve

  • Arkansas
  • Indiana
  • Kentucky
  • Mississippi
  • Tennessee


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