Independent Insurance Agency Serving Louisville, KY

Kentucky is one of a few choice no-fault states. When you purchase auto insurance in Kentucky, you choose between the no-fault option (where your own PIP coverage pays for your injuries regardless of who caused the accident) or the tort option (where you retain the right to sue the at-fault driver for damages beyond your PIP). The tort option typically costs more but gives you greater legal recourse after a serious accident. We explain both options during every auto quote.

Louisville homeowners insurance costs vary by home age, construction type, roof condition, coverage limits, and carrier. Jefferson County's ice storm history and Ohio River proximity can affect rates for some properties. As an independent broker we compare 30 plus carriers to find the most competitive rate for your specific property and location in the Louisville metro area.

Standard homeowners insurance does not cover flood damage. Properties in FEMA-designated flood zones near the Ohio River or its tributaries may be required by their mortgage lender to carry a separate flood insurance policy through the National Flood Insurance Program (NFIP). Even properties outside high-risk zones can experience flooding during major storm events. We can help you determine your property's flood zone status and discuss NFIP or private flood insurance options.

Most Louisville small businesses need at minimum a General Liability policy. Many benefit from a Business Owner's Policy (BOP), which bundles general liability and commercial property at a lower combined cost. Kentucky requires workers compensation for most employers with one or more employees under KRS 342.630. Service businesses should also consider Professional Liability. We identify the right combination for your industry and business size.

Yes. Renters insurance covers your personal belongings against theft, fire, ice damage, and other covered perils, provides liability protection if someone is injured in your rental, and includes loss-of-use coverage if your unit becomes uninhabitable. The building structure is your landlord's responsibility. Louisville renters insurance typically costs $15 to $25 per month depending on coverage limits.

Kentucky is a choice no-fault state, which is different from a pure no-fault or pure at-fault system. Drivers in Kentucky choose at policy purchase whether to remain under the no-fault system (using PIP for injuries) or to opt out and retain full tort rights. This election is made once and stays in effect for the policy term. We walk every Louisville client through this decision during their auto quote.

Yes. Dragon Insurance is licensed in Kentucky and serves clients throughout the state including Lexington, Bowling Green, Owensboro, Covington, and the broader Louisville metro. We handle all quotes by phone and online, with no office visit required. Call 717-229-5115 or request a quote online to get started.