April and May bring the peak of severe weather to Kentucky, with high winds, hail, and heavy rains putting homes and businesses at risk. Unfortunately, this is also the time when storm-chasing contractors appear, promising quick and cheap repairs. While some contractors are reputable, many take advantage of storm victims—doing shoddy work or disappearing after … Continue reading “Kentucky Storm Season is Here: Beware of Storm-Chasing Contractors!”

Tax season is here, and while it might not be the most exciting time of year, it presents a valuable opportunity to assess how your insurance policies could help lower your tax bill. Many people don’t realize that certain insurance premiums and expenses may be tax-deductible or provide financial benefits. By understanding the tax implications … Continue reading “Maximize Your Insurance Tax Savings”

When people think about flooding, they often picture spring rains or summer hurricanes. But did you know that winter is one of the most overlooked times for flood risks? Melting snow, ice jams, and heavy seasonal storms can cause unexpected flooding, leaving homeowners unprepared. That’s why getting flood insurance during the winter months is a … Continue reading “Why Winter is the Best Time to get Flood Insurance”

The new year is an excellent time to review and refine your insurance plans to align with your current needs and future goals. Here are practical steps to help you set insurance goals for 2025: Assess Your Current Coverage Review Policies: Look at your health, auto, home, life, and other insurance policies. Check Coverage Limits: … Continue reading “Setting Insurance Goals for the New Year”

December is National Safe Toys and Gifts Month, a campaign aimed at raising awareness about choosing safe and age-appropriate toys to prevent accidents and injuries. Safe Gift-Giving Guidelines Follow these tips to prioritize safety when selecting toys:   Check Age Recommendations: Always adhere to the manufacturer’s recommended age range on toy packaging. Toys intended for … Continue reading “Safe Gift-Giving Guide”

Thanksgiving brings people together, but it can also bring some unexpected mishaps! Fortunately, many insurance policies cover common Thanksgiving accidents. Here’s a rundown of what types of incidents might be covered: Kitchen Fires and Cooking Accidents Homeowners Insurance: If a kitchen fire or cooking accident damages your home, your homeowner’s policy typically covers fire damage, … Continue reading “Are You Protected Against Common Thanksgiving Accidents?”

Halloween is one of the most exciting times of the year, especially for children. With more people walking around your property, the chances of accidents—like someone tripping on a decoration or falling on your porch—can increase. Does your homeowners insurance cover a Halloween mishap? Fortunately, if you’re a homeowner, your insurance policy may provide important … Continue reading “Homeowners Insurance and Halloween Mishaps”

A good rule of thumb is to review your insurance at least once a year. Now is a great time to review insurance before the hustle and bustle of the holiday season. Benefits of Regularly Reviewing Your Insurance: Avoid Gaps in Coverage: Life is unpredictable, and failing to review your insurance regularly could leave you … Continue reading “How Often Should You Review Your Insurance?”

Does my child need insurance in college? Here are some tips for ensuring your college-bound children have the right insurance coverage: Health Insurance Stay on Parent’s Plan: Under the Affordable Care Act, children can stay on their parent’s health insurance plan until they turn 26. Student Health Plans: Many colleges offer student health insurance plans … Continue reading “Insurance Coverage for College-Bound Children”

A pool can add value to your home, but it can also add some insurance complications. Here are several ways that can significantly affect your homeowner’s insurance. Increased Liability Coverage Higher Risk: Pools are considered an attractive nuisance, meaning they can attract children and increase the risk of accidents. Higher Liability Limits: Insurers may require … Continue reading “How Does Having a Pool Affect Your Homeowner’s Insurance?”

Do you know how Raymond Nelson Insurance Agency first got our start?  Read about the history of our agency in our latest blog. 1971 – Door-to-Door Insurance In 1971, Mr. Raymond Nelson was living in Hopkinsville, KY, selling life insurance door-to-door. His dedication and commitment to helping people protect their futures saw him build strong … Continue reading “The History of Our Agency”

Homeowners insurance typically covers the structure of your home, personal belongings, and liability, but is there insurance for your yard? Your policy may have limited coverage for landscaping. Basic policies usually cover landscaping only to a certain extent and it may be conditional to covered perils. What does homeowners insurance cover? Yard Your yard may … Continue reading “Does My Homeowners Insurance Cover My Yard?”