As your local agency, LaRue Carey Insurance Group is small enough to know you and large enough to protect you.
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The Advantage of an Independent Agency Working for You
What makes our independent agency different?
- We are licensed insurance advisors.
- We are by your side every step of the way.
- We offer a wide variety of insurance solutions.
LaRue Carey Insurance Group
Learn more about our agency.
We are your local independent insurance agency proudly serving clients throughout Kentucky and beyond since 1958. For over 63 years, we’ve been helping our community protect the things that matter most to them by helping them find the right insurance for their needs at the right price for their budget.
Our clients come first in everything we do, that way you can feel confident you’re working with an agency that cares about your future. In fact, after years of friendly competition, the owners of LaRue Insurance, Inc. and Carey Insurance Group decided to come together and form our joint agency so we could better serve you. It’s also why we get so heavily involved in our community. We want to get to know you so we can help you plan for the predictable and prepare for the unexpected.
Why Go Independent?About Our Agency
The Solution to Your Insurance Needs
Providing a variety of personal insurance, business insurance, and employee benefits solutions is what LaRue Carey Insurance Group does best.
“Awesome folks to work with! Best rates and they are quick to do what they say. Highly recommend!”
Meg H.
“Hassle-free service! Cheaper rates than the company I had for the last 14 years! LaRue-Carey Insurance is great!”
Lucy P.
“LaRue-Carey Insurance has been our insurance company for several years now for our home, auto, and business needs. They are efficient, helpful, and quick to respond.”
Shannon S.
Real clients. Real reviews. Real coverage.
“LaRue Carey Insurance Group has excellent, fast, and effective customer service who help you right away with questions and find the best solution. We are extremely happy with them, and highly recommend them.”
– Maja K.
Our Clients Rave About Us
Check out our 80+ five-star reviews and see why you should switch to LaRue Carey Insurance Group.
We Get Involved
As a local business, we believe it’s important to give back to our communities and get involved in local organizations. When we give back, we help make our communities a better place.
See How
What Makes LaRue Carey Insurance Group Special
Here’s what sets us apart from the crowd when it comes to serving your insurance needs.
About Our Agency
Community-Focused
We strive to give back to our communities and help make them better places to live and work.
3rd-Generation
Three generations of our family have worked at our agency since it began in 1958.
Highly-Rated
We come highly recommended by our clients thanks to our 80+ five-star Google reviews.
Community-Focused
We strive to give back to our communities and help make them better places to live and work.
3rd-Generation
Three generations of our family have worked at our agency since it began in 1958.
Highly-Rated
We come highly recommended by our clients thanks to our 80+ five-star Google reviews.
Interactive Graphic
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Get a glimpse of the risks you face and how your insurance can protect what matters most.
Fire
Risk Factor
Most fires are devastating. Besides the emotional impact, the physical damage to your home can be significant. If you lost your home to fire, do you have adequate insurance to replace your home and its contents? Remember, inflation rates on building materials and construction costs rarely track with real estate values. As a result, rebuilding a home can often cost significantly more than expected.
Solution
Be sure to look for coverage that will account for replacement costs above the actual value of the home due to increased costs for building materials and construction. Also, local ordinances and building codes tend to change over time, which may require additional expense. Talk to your agent to find out what’s available for your home.
Personal Property / Contents - Property Damage
Risk Factor
When your home suffers damage due to an unexpected event, your personal property is also at risk. Furniture, appliances, clothing, electronics, and other personal items can also be damaged or destroyed.
Solution
Your homeowners insurance policy typically covers personal property, including the contents of your home and other personal items owned by you or family members who live with you. Make sure your homeowners policy includes replacement cost coverage for personal property so that you always receive the full cost to replace whatever item is damaged.
Additional Living Expense / Loss of Use
Risk Factor
When there is substantial damage to your home due to unexpected events such as lightning, fire, or a storm, you may not be able to live in your home until it can be repaired or rebuilt–potentially incurring additional living expenses for lodging, food, and other daily needs.
Solution
Ensure that your homeowners insurance policy provides additional living expense or loss of use coverage to compensate you for the additional costs you incur for reasonable housing and living expenses if a covered event makes your house temporarily uninhabitable while it's being repaired or rebuilt.
Jewelry, Fine Arts, and Collectables
Risk Factor
If your diamond ring disappears or valuable artwork is stolen, your standard homeowners policy may not compensate you for the loss. Homeowners policies include coverage for your belongings and personal property, but some special items like jewelry, furs, silverware, antiques, collectibles, and other valuables have limited or no coverage and need to be insured separately.
Solution
Valuable possessions insurance covers personal property that may have unique value, cannot be replaced like regular personal property or is subject to special types of losses such as breakage or mysterious disappearance. For most valuable possession categories, there is no deductible applied at time of loss. Valuable possessions insurance can be added to your homeowners policy or may be written as a separate policy.
Medical Expenses
Risk Factor
If a guest is injured while on your property, even when it’s due to a friendly game of baseball, you may be required to pay any medical expenses associated with their injury.
Solution
Your homeowners policy should include medical expenses coverage to take care of injuries and treatment - generally not of a serious nature. In the event a person is injured on your property and requires medical attention, you would be able to submit the injury-related medical expenses to your insurance carrier. Medical expenses are usually paid without a liability claim being filed against you.
Personal Liability
Risk Factor
In the unfortunate event that someone slips and falls while on your property, you and your family may be held liable for any injuries that result.
Solution
Your homeowners policy includes personal liability coverage to respond to incidents where injuries or damages occur to a third party where you may be deemed negligent. However, you should consider purchasing a personal umbrella or excess liability policy to provide additional coverage limits to protect your assets in case a lawsuit is brought against you.
Miscellaneous Coverage
Risk Factor
The fun that comes with having a trampoline in your backyard can also be accompanied by serious risks, which may not be covered under your standard homeowners insurance policy since coverage varies from state to state and between insurance companies.
Solution
You should make sure your homeowners insurance policy covers your trampoline, as many insurance providers refuse to take on trampoline liability and exclude the item from coverage.
Personal Injury
Risk Factor
Young people are usually very active online. However, using social media and other sites can increase the possibility of them directly or indirectly damaging someone's reputation and exposing you, the parent, to a lawsuit.
Solution
Your homeowners insurance policy includes liability coverage for property damage caused by any member in the family, but it may not cover rumors or statements that damage a reputation. You need to add an endorsement to your policy to expand coverage to include liability protection that covers personal injury.
Umbrella / Excess Liability Coverage
Risk Factor
You invite guests over for a pool party and one of your guests dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. Do you have enough money in savings to cover your legal responsibilities as well as the legal defense costs?
Solution
An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, boat, or homeowners policies-providing real financial value, as well as priceless peace of mind. Excess liability insurance is available either by an endorsement to your homeowners policy or available as separate coverage.
Flood Coverage
Risk Factor
You do not have to live near a body of water to suffer loss due to flooding. With the changing weather patterns and more damaging storms occurring around the globe, flood losses are becoming more common in places that are not normally prone to flood damage. Your homeowners policy does not cover damage from flood. Could your home be at risk?
Solution
Purchase a flood insurance policy to protect your home and covered contents from certain types of flood losses as designated by the National Flood Insurance Program. A flood policy is purchased as a separate policy through the federal program (NFIP) or through a servicing carrier known as a write your own carrier.
Secondary Home
Risk Factor
Owning a secondary home has the potential of increasing your liability exposures.
Solution
Be certain that you extend the liability coverage under your homeowners policy to include your secondary home. You should also consider including the secondary home under an excess liability or umbrella policy to provide for additional liability limits.
Collector Cars
Risk Factor
Collector vehicles often have significant value and require specialized insurance coverage and claims handling.
Solution
Schedule your collectible vehicle on a separate collector car policy. By doing so, you are protecting the vehicle for either the appraised value or market value.
Wine Collection
Risk Factor
If you are a connoisseur of wine, you know that it is susceptible to outside environmental exposures that can ruin it. If the collection is damaged, coverage from your homeowners policy is a possible recourse. However, the damage is only insurable if it is a covered cause of loss as outlined in your homeowners policy. A deductible would also apply.
Solution
If you have a sizable wine collection, you may want to consider scheduling the collection on your homeowners policy. Doing so expands your coverage and eliminates the deductible in case of a loss. You can also consider unique coverages for wine, such as for spoilage.
Water Backup
Risk Factor
Most homeowners policies exclude coverage for water back-up damages as a result of a clogged drain, sewer, or sump pump.
Solution
Water backup coverage can be added to most insurance policies. Consider adding it so that you have the coverage you need in the event of damages caused by a clogged drain, sewer, sump pump, and related risks.
Off-Premises Theft
Risk Factor
Surprisingly, standard auto insurance does not cover personal property or contents stolen from your car.
Solution
Most homeowners policies offer an option to include off-premises theft coverage as an endorsement, which covers you for theft of your personal property away from your residence.
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