Houk Insurance
313 S Dixie St
Horse Cave, KY 42749-1230
Phone: (270) 786-2234 | Fax: (270) 786-2233
Houk Insurance is dedicated to protecting Horse Cave consumers with affordably with professional service. Their office location is 313 S Dixie St or call (270) 786-2234 anytime to talk to one of their friendly professionals. Serving Horse Cave and the greater Hart county area.
Searching for insurance agents in Horse Cave, Kentucky or just trying to save money on insurance? Here are some insurance buying best practices.
- A local insurance services provider like Houk Insurance can help you determine the proper coverages for your personal situation. Licensed Kentucky insurance agents are trained to find possible coverage gaps in your insurance plan.
- Your Horse Cave auto insurance rates can be reduced significantly by raising your collision and comprehensive or 'other than collision' deductibles. If you have an auto accident or your car gets damaged in a hail storm you'll have to pay more to have the damage fixed, but higher deductibles mean less premium each year and your savings may more than make up for the increased cost at claim time.
- Horse Cave property owners are able to reduce their insurance costs by simply increasing their insurance policy deductible. An insurance deductible is how much money you have to pay out-of-pocket once you have a home insurance claim. By agreeing to pay an increased amount of your own money, your insurance provider will lower your home insurance premium. Providing you don't have regular claims, the cost savings on the reduced premium will soon add up to a lot more than the extra insurance deductible you have to spend at claim time.
- There is no need to insure vehicles you aren't driving. Just make sure there is no chance of the vehicle being operated, even pull the battery if needed. This will keep the car from inadvertantly being driven.