Protecting You From

The Unexpected

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in Somerset, KY

Insurance in Kentucky locally and statewide.

Isaacs Insurance is a proud provider of auto insurance, home insurance and business insurance needs for residents and businesses throughout Somerset, KY, Pulaski County, KY, and the entire state of Kentucky. No matter your situation, if you are seeking financial protection from any range of unforeseen circumstances in life or business, we can help.

Insurance coverage designed for your needs.

Our decades of expertise, our network of insurance professionals and companies, as well as our assertive skills in negotiation mean that we can find you the exact insurance plan you need at a price you can afford. Our custom services allow us to craft a plan that gives you the coverage you need and excludes the coverage that you don’t, at a price range that falls within your budget, leaving you safe, secure and happy.

Protect what matters most with the right insurance agency.

We are in a position to offer a wider, more comprehensive selection of insurance plans for both large and small businesses and families. We are proud of the work we do, helping our friends and neighbors feel more secure in their lives and their finances, keeping customer service as an utmost priority. One call and you’ll be able to sleep more easily at night knowing that everything you hold most dear is being protected.

Located in Somerset, KY, our local insurance agency is proud to serve families and businesses in Pulaski County, KY, and throughout Kentucky.
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Personal Insurance

Insurance solutions tailored to fit your unique lifestyle.
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Business Insurance

Comprehensive coverage for today’s business.
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Business Insurance

Comprehensive coverage for today’s business.
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Auto

Bodily Injury Liability Coverage

Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.

Solution

Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage

Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else’s property. Usually this means damage to someone else’s car, but it can really be any property damaged by your vehicle.

Solution

Property damage coverage protects you if your car damages someone else's property, such as another car, a fence, or building front. When choosing your property damage liability limits, you should consider all of your assets, including your home and future earnings because if you don't have enough coverage to protect all of your assets, those assets could be at risk if you're liable for damages that exceed your coverage limit. Consider having a higher limit of liability coverage – it may help you avoid having to pay out-of-pocket after an at-fault accident.

Medical Payments Coverage

Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it’s not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health care plan.

Solution

Medical payments coverage can help cover all reasonable medical expenses and funeral expenses of covered drivers and passengers after an accident, regardless of fault. In most states, it's an optional addition to your car insurance policy.

Uninsured / Underinsured Motorist Damage Coverage

Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, takes off? According to the Insurance Research Council, this happens more than you might expect. In fact, it is estimated that one in seven drivers go uninsured, leaving you to pay out-of-pocket for damages and medical expenses not covered by the other driver.

Solution

Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage

Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.

Solution

Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Transportation Expenses / Rental Coverage

Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.

Solution

Transportation expenses/rental coverage is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

There’s more to insurance than
the price of the policy

Explore home insurance, umbrella insurance, and business owners insurance to  learn about your unique risks and the related insurance solutions.

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Life can be unpredictable. You can count on us to be there for you, ensuring things happen promptly and efficiently, always with the goal of getting your life and business back to normal as quickly as possible.

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