Personal Insurance · Kentucky
The house, the cars, and the policies nobody enjoys thinking about.
Reynolds has written personal lines for Kentucky families since 1974. The agency is independent, so one conversation gets shopped across 27 carriers instead of settled with a single company’s price.
Auto
A car insurance rate is built from more than the car.
Carriers price a policy against a set of rating variables, and Reynolds shops that same risk across 27 companies rather than accepting the first number back. That is usually where the real difference in price shows up.
What a policy actually covers
- Collision. Pays to repair or replace your own car after it hits something, no matter who caused it.
- Comprehensive. Covers damage that isn't a collision: hail, a fallen branch, a deer, theft, vandalism.
- Property damage liability. Pays for damage your car does to somebody else's car, fence, or garage door.
- Bodily injury liability. Pays for injuries you cause to another driver or their passengers.
- Uninsured / underinsured motorist. Covers you when the other driver doesn't carry enough insurance to pay for what happened.
What sets the rate
These are the variables the carriers themselves rate against, and they are why the same car can cost two different people two different premiums.
- Age
- Credit
- The car itself
- Driving history
- Household composition
Home & Property
Six ways a property can be insured, not one.
A house, a condo, a rental, and a rented apartment are not the same risk, and none of them fit a single generic form. Reynolds writes each one on its own terms.
Home
The structure, the contents, and the liability if someone is hurt on the property.
Condo
Covers what the building's own master policy doesn't: your unit's interior, your belongings, your liability.
Renters
Your belongings and your liability, without insuring a building you don't own.
Flood
A separate policy from homeowners insurance, because standard home policies exclude flood.
Specialty dwelling
For a property that doesn't fit a standard homeowners form: a rental, a second home, an older or unusual build.
Personal umbrella
Extra liability limit that sits above your home and auto policies once a claim runs past them.
Life, Health & Disability
The coverage that protects the income, not the property.
Life
A payout to the people who depend on your income, sized to what they'd actually need.
Disability
Replaces part of your income if an injury or illness keeps you from working.
Health
Individual and family medical coverage, placed with the carriers Reynolds is appointed to write.
Recreational
Boats, bikes, and the things that live in the garage.
None of these ride on a standard auto policy the way people assume. Each one gets its own coverage, built for how it is actually used.
- Boat. Liability and physical damage cover for the boat itself and what it can be pulling.
- Motorcycle. Built around a motorcycle's own risk profile, not a car policy with a different label.
- ATV & powersports. Off-road machines that a standard auto policy generally won't touch.
- Recreational vehicle. An RV insured as the part-time home and part-time vehicle it actually is.
Why independent matters
Twenty-seven companies compete for your policy.
A captive agent works for one insurance company and can only sell what that company prices. Reynolds is appointed with 27 carriers, so the same risk goes out to all of them and comes back as several real options instead of one.
- Travelers
- The Hartford
- Progressive
- Safeco
- Grange
- Philadelphia
- Zurich
- Selective
- State Auto
- Brotherhood Mutual
- GuideOne
- KESA
- Farmers
- Foremost
- Dairyland
- Kentucky National
- Anthem BC/BS
- Humana
- MetLife
- Prudential
- Lincoln Financial
- Transamerica
- Banner Life
- West Coast Life
- Symetra
- Genworth
- GMAC
Serving the entire state of Kentucky
Bring your current policy. Reynolds will tell you honestly if it can be beaten.
A quote costs nothing and takes one conversation with an agency that has been writing personal lines in Louisville since 1974.