The Melvin Wayne Horn Agency in Madisonville, KY provides the following products. To learn more about each insurance product, click on the links below.
Car Insurance
After devoting a great deal of time and energy to choosing your vehicle, make sure to get the right protection when insuring your vehicle. Melvin Wayne Horn Agency specializes in making it easy for Madisonville drivers to protect one of their largest investments with insurance, which is why we're working with Nationwide to give each of our members true peace of mind when they're behind the wheel and even when they're not.
Even if this isn't your first time getting insurance, the number of options you have to choose from can be overwhelming. At Melvin Wayne Horn Agency, we not only provide you with the basic types of auto insurance that nearly every driver needs, but we go the extra mile to make sure you have the exact level of liability, personal injury protection, comprehensive, collision, and under/uninsured motorist coverage you require. This way, you aren't paying for more protection than you truly need. We can also work with you to assess whether additional drivers or a family member should be added to your insurance protection in order that everyone benefits from an airtight plan. Once you have your plan in place, we hope you'll sit down with us to discuss any major changes that have taken place in your life, such as moving, driving more or less, adding new features to your insured vehicle, or changing jobs. All of these factors can have an impact on your protection, and we always want to make sure that protection is up-to-date.
Once you're ready to discuss your auto insurance needs with an agent and agency who care, we hope you'll give us a call at (270) 825-0825. You're also more than welcome to visit us at 108 S Main St.
Home Insurance
If you have recently purchased a new home after owning another for many years, you may need to review your home insurance needs. Our agents at Melvin Wayne Horn Agency are here to help you discover new lines of coverage relevant to your needs. Melvin Wayne Horn Agency excels in assisting homeowners with every concern. Your homeowners policy is going to be with you as long as you own your home, so make sure it is going to work hard to protect the things that matter most to you.
Home insurance policies are not one-size-fits-all. In fact, the wide variety of property types and many different features found inside homes require a different approach. In order to give our valued customers more personalized insurance solutions, we have chosen to team up with Nationwide, a leading provider of home policies and other insurance products. This allows us to offer more tailored policies that more closely address the particular needs facing your property and family.
An insurance policy personalized to your needs gives you better value in the long run and grants improved peace of mind. Speaking with Melvin Wayne Horn Agency is one of the best ways of making sure that your coverage is doing all the work that you need it to. If you have questions or concerns about your coverage needs, call Melvin Wayne Horn Agency at (270) 825-0825 or visit our office at 108 S Main St.
Life Insurance
If you have children, a spouse or anyone in your life who depends upon you financially, you need life insurance. The same holds true if you depend upon someone else financially. Life is unpredictable but it is within your power to minimize or even eliminate the financial impact of unexpected life events.
We at Melvin Wayne Horn Agency are here to help people like you in the Madisonville area. We are here to answer your questions and make life insurance understandable. We will explain term versus permanent insurance and we will outline the types of life insurance that may be best for you.
When determining the amount of coverage you need, you should consider both your present and future circumstances. What are your current financial needs and what do you expect to be the future financial needs for your family?
You should factor in your current age, income and debts and the likely financial impact of lost income. You should also consider final expenses as well as future educational needs for your children and even for yourself or your spouse. If you are a one-income household, you should be sure to purchase a policy that will cover that income in its entirety if lost.
Life gets hectic; make sure you are not too busy to take care of yourself and your family. Call us now at (270) 825-0825 and ask for Melvin Wayne Horn Agency. We are located at 108 S Main St,Madisonville,KY,42431 and you are welcome to stop in any time. Let us help you find the right policy to assure your family’s financial security.
LAW-0248AO (05/18)
Business Insurance
Acting proactively is one key to small-business success. Whether you run a dry cleaner business, florist shop, real estate office, attorneys office, or something else entirely, we at Melvin Wayne Horn Agency have many excellent insurance solutions to offer you thanks to our working with Nationwide. Nationwide and its agents insure more than 500,000 small businesses all across the United States, and we are committed to providing quality coverage in Madisonville that is affordable and meets your needs.
If you are uncertain about where to start with your insurance plan, we offer On Your Side® Reviews to assess your business and to make recommendations to the types of insurance coverage you may need. Another good way to approach the matter is to get a business owners policy, or BOP, specific to your industry type. After that, you can add on options to fit specific situations. For example, such additional coverage options include workers compensation insurance, cyber liability insurance, accounts receivable insurance, and crime insurance. Even two businesses in the same industry may have vastly different insurance needs, so we make many coverage choices available. Business size, finances, and target customer base can often factor into insurance coverage as well.
It is natural to wonder about the amount and type of coverage that is appropriate for your business. Contact our office today to get answers. You can give us a call at (270) 825-0825 or visit us on 108 S Main St to protect your business as much as possible.
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.
The Melvin Wayne Horn Agency also offers products in AR, IL, IN, TN, KY. Please call for information on products in those states.
All vehicle insurance
