Isaacs Insurance in Somerset, KY

The Isaacs Insurance in Somerset, KY provides the following products. To learn more about each insurance product, click on the links below.

• Car Insurance

  Understanding the coverage you buy is important, but the language of underwriting can be a little difficult for those who are new to it. That's why Isaacs Insurance focuses on explaining auto insurance coverage in a common sense way that members in Somerset appreciate. That way, it's easier to enjoy your vehicle with the assurance you understand what is covered in the event of an accident.
  
  Auto policies tend to start with liability coverage, and the right amount can depend on the vehicle you drive, the state's requirements, and other factors. Once you have the liability package you need, collision coverage is there to help take care of any covered damage your vehicle takes in the event of an accident, and comprehensive packages are there to cover you in the event of an incident when the vehicle is not in motion. Isaacs Insurance works with Nationwide to provide drivers with a wide range of coverage choices. After you find the right coverage levels for your vehicle, we will apply discounts you may qualify for such as for safety equipment in the vehicle or your safe driving history.
  
  Finding out more about our policy options is easy. Our offices can be reached at (606) 679-1590, and agents are happy to take set appointments for in-person consultations at our office located at 250 Belmont Ave.

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• Home Insurance

  Homeowners insurance is a crucial part of owning and protecting a home. That's why the Isaacs Insurance has worked so diligently to understand the insurance priorities of 42501 homeowners and their residential properties. In fact, the exact location of your home may mean your home's risk profile is slightly different from that of your Somerset neighbors' right down the street. No matter the specifics, Nationwide has coverage that's right for your Somerset home, and our agents can help further personalize your homeowner's policy.
  
  How so? Beyond the location, the property itself often has very different kinds of assets that can be protected through home insurance coverage. The structure and dwelling coverage are the backbone of most policies, but Isaacs Insurance offers plenty of additional coverage options through Nationwide. These options cover things like a detached garage or other buildings, contents and valuables, or even a number of exclusive coverage programs like Better Roof Replacement®. Plus, if the time ever comes when one or more of our homeowners need to return a home to its former glory, the Nationwide On Your Side® Claims Service offers extra peace of mind.
  
  Our office is located at 250 Belmont Ave. But our home insurance expertise extends throughout the greater Somerset area. Call the Isaacs Insurance at (606) 679-1590 to get our take on the best way to protect against potential homeowner damages.

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• Life Insurance

  Life is full of uncertainties. Your family’s financial well-being shouldn’t be one of them. As you shop for life insurance in Somerset, you likely have many questions running through your mind:
  
  • “What are the benefits of term vs. permanent policies?”
  • “How much coverage do I need?“
  • “How much does a life insurance policy cost?"
  
  Isaacs Insurance can help you find the right policy to protect your legacy and provide financial security for your loved ones when you are no longer living.
  
  There are a variety of factors you must consider to determine the amount of coverage you need. First, estimate the amount of debt, final expenses and other financial obligations you might leave behind. Also, think about your income and how the loss of it will affect your family. You want a policy that has a death benefit that covers those costs and leaves a financial cushion.
  
  Next, decide what kind of policy you want. There are several types of life insurance available. Base your decision on what you can comfortably afford and your current and future financial goals.
  
  Finally, carefully review all policy documents. A life insurance agent can provide clarity on any information or policy language you do not understand. If you have special considerations, do not hesitate to inform one of our team members.
  
  Insurance is a smart investment. Getting the right policy is easier than you think. Call (606) 679-1590 for an appointment with an agent. Feel free to stop by 250 Belmont Ave to discuss Nationwide coverage options in person.
  
  
  LAW-0239AO (05/18)

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• Business Insurance

  As a business owner you have a lot of responsibility. One of your priorities should be to make sure that you are properly protected in the event of a loss. At Isaacs Insurance in Somerset, we understand that every company has its own unique risks and coverage needs. That is why we go over your business in detail including if you own or rent your building, the number and types of employees you have, and the nature of your business. We then recommend a custom plan to make sure you are protected against a variety of different risks.
  
  While some companies may offer a one-size-fits-all policy, we have several options that you can choose from. For example, if your employees will be driving company vehicles or their own for business purposes it is important to have commercial auto coverage. If your business depends on computers and equipment for daily operation, you may want to have protection against equipment breakdown. You also may need extra liability protection, such as umbrella insurance, in order to protect you when accidents happen. To make things easy, many business owners choose our business owners policy (BOP), which packages important coverages together.
  
  When you are ready to protect your company, Isaacs Insurance is available to walk you through your options. You can call our office at (606) 679-1590 to set up an appointment or speak with an agent over the phone. You can also visit our office at 250 Belmont Ave.
  
  Nationwide offers small business resources to help you strengthen your business, such as financial calculators and information and articles on marketing and cash flow management. Learn more at the Business Solutions Center.

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The Isaacs Insurance also offers products in IL, TN, KY. Please call for information on products in those states.