Blog

Guides from Claude Reynolds Insurance Agency

Straight answers to the questions we hear most, written for our own customers.

September 2, 2026 · 3 min read

Term vs. Permanent Life Insurance: A Plain Explanation for Families

What each type is built to do, and a simple way to think about how much coverage actually makes sense.

September 2, 2026 · 3 min read

Flood Insurance for Kentucky Homeowners: What Your Policy Doesn't Cover

Standard homeowners insurance excludes flood. Here's what that means and what a separate policy actually covers.

September 2, 2026 · 3 min read

Certificates of Insurance for Kentucky Contractors: What to Know

What a certificate actually proves, what it doesn't, and what to send your agent to get one issued fast.

September 2, 2026 · 3 min read

Independent Agent vs. Captive Agent: What It Actually Buys a Kentucky Family

The real difference isn't the sales pitch. It's how many companies are competing for your policy.

September 2, 2026 · 4 min read

What a Church Board Should Check Before Renewing Insurance

Four questions a board should ask before signing off on another year of coverage.