| Phone: 859-635-2500 Fax: 859-635-3589 Hours: Mon. - Fri. 9am - 3pm Sat. 9am - noon |
| Northern Kentucky Home Insurance Company 102 Washington Street, Alexandria, Ky. 41001 |
LIST OF AVAILABLE COVERAGES:
Earthquake Endorsement:
Coverage with this endorsement may apply to dwelling
and / or contents and / or outbuildings according to
current policy limits with a 5% deductable.
Coverage with this endorsement may apply to dwelling
and / or contents and / or outbuildings according to
current policy limits with a 5% deductable.
LIABILITY ENDORSEMENTS:
Northern Kentucky Home Insurance offers both Personal and Farm Liability coverages to it's
members.
PERSONAL LIABILITY coverage provides members a defense in the event of a lawsuit as a
result of liability exposure/occurance on premises of the insured. Our company now excludes
animals and trampolines. Limited coverage is available for members who have household
pets or trampolines.
Household Pet Limited Liability Coverage Endorsement is available for an additional
premium, subject to the Company Liability Underwriting Guidelines.
Note: The following dogs are NOT eligible for Household Pet Limited Liability coverage: Pit
Bull, Doberman Pinscher, Rottweilers, American Pit Bull, American Staffordshire Terrier,
Chow Chow, Akita, & Wolf Type Hybrids.
Trampoline (Rebounding Device) Limited Liability Endorsement is available for an
additional premium, subject to the Company Liability Underwriting Guidelines.
FARMER'S PERSONAL & COMPREHENSIVE LIABILITY ENDORSEMENT covers farm
exposures due to farming operations and animal liability on public roads, including animal
collision.
Underwriting guidelines require good fencing near public roads.
(Note: This is not a substitute for workman's compensation for hired workers, but rather
protection of legal liability of the farm owner.)
This standard endorsement excludes coverage for household pets and trampoline use.
However, coverage is provided for household pets and trampoline use with the Household
Pet Limited Liability Endorsement and the Trampoline (Rebounding Device) Limited
Liability Endorsement, both of which are available as additional endorsements with the Farm
Liability coverage.
Construction Risk Endorsement:
A dwelling in the course of construction can be insured
by our company. During the course of construction,
there is no personal property coverage. In the event of
loss prior to completion, the limit of liability will not
exceed the actual cash value of completed
improvements. Loose construction material on the
premises, but not permanently installed, is not insured
by this policy.
A dwelling in the course of construction can be insured
by our company. During the course of construction,
there is no personal property coverage. In the event of
loss prior to completion, the limit of liability will not
exceed the actual cash value of completed
improvements. Loose construction material on the
premises, but not permanently installed, is not insured
by this policy.
Scheduled Personal Property Endorsement:
Specific personal property items can be insured for
specific amounts as needed. (ex. guns, furs, jewelry, 4
Wheelers)Proof of ownership and a current appraisal are
required for these endorsements. This endorsement
covers specified item against all perils of physical loss
(not wear and tear).
Specific personal property items can be insured for
specific amounts as needed. (ex. guns, furs, jewelry, 4
Wheelers)Proof of ownership and a current appraisal are
required for these endorsements. This endorsement
covers specified item against all perils of physical loss
(not wear and tear).