Nova Insurance Group

Nova Insurance Group Independent Insurance Agency serving Central Kentucky

☕ Wednesday at the agency.Fun fact: your insurance carrier's underwriting team and your local ER have the exact same opi...
06/03/2026

☕ Wednesday at the agency.

Fun fact: your insurance carrier's underwriting team and your local ER have the exact same opinion of backyard trampolines.

One of them writes exclusions for it. The other one sees the results.

If you recently added a trampoline and have not mentioned it to your agent, that is a five-minute call worth making. Some carriers require notification. Some add a surcharge. Some exclude it entirely. You want to know which one you have before someone lands wrong.

We promise we will not lecture you about it. We will just make sure you know what you have and what you don't.

📞 859-687-2004 | Nova Insurance Group Prepared. Not panicked.

3 coverage gaps Kentucky homeowners find out about at claim time. Not before. 🏠Here is what we see come through the door...
06/03/2026

3 coverage gaps Kentucky homeowners find out about at claim time. Not before. 🏠

Here is what we see come through the door every summer:

1. The detached garage. Most standard policies cover it at 10% of your dwelling limit. If you have tools, equipment, or a vehicle in there, that number probably does not match the actual loss.

2. The fence. Wind knocks it down, neighbor's tree falls on it. Many policies exclude fences or apply a separate lower limit. Worth confirming before the next storm.

3. The pool heater or HVAC. Mechanical breakdown is not a covered peril on most homeowners policies. Equipment breakdown is a separate endorsement that costs about $30 to $50 a year.

Each one takes five minutes to check. None of them costs much to fix before something happens.

📞 859-687-2004 or novainsurancegroup.com | Nova Insurance Group. Prepared. Not panicked.

Teen driver. First summer job. New route they've never driven before. Did you update your auto policy? 🚗Most parents don...
06/03/2026

Teen driver. First summer job. New route they've never driven before. Did you update your auto policy? 🚗

Most parents don't think about it. But when your 16-year-old starts commuting to work, three things on your auto policy change: annual mileage, garaging address if they're somewhere new, and their driving pattern on record.

Carriers rate based on how and where the car gets driven. If your policy still shows "occasional pleasure use" and your kid is now driving to Hamburg every morning, that gap can matter at claim time.

Takes one phone call. We'll walk through it in 10 minutes and make sure you're covered before Monday's shift.

📞 859-687-2004 | Nova Insurance Group

Prepared. Not panicked.

Kentucky small business owners: if you have a "business policy," you probably have a BOP, and you probably don't fully k...
06/03/2026

Kentucky small business owners: if you have a "business policy," you probably have a BOP, and you probably don't fully know what's in it. 📋

A BOP bundles three coverages: general liability (protects you from third-party lawsuits), commercial property (protects your stuff), and business income (replaces lost revenue during a shutdown). Typical cost: $700 to $1,500 per year, about 10% to 20% cheaper than buying the three coverages separately. 💼

The piece most owners get wrong: the LIMITS inside the BOP. Business personal property set at $25K when actual contents value $85K. Tenant improvements left at default after a $35K build-out. Business income set at the default 12 months when continuing operating expenses would burn through it in 8. 🚨

A 20-minute walk-through of your actual numbers usually surfaces $20K to $100K in coverage gaps you didn't know existed. Worth doing once a year.

Link is in the first comment 👇

📞 859-687-2004 | Nova Insurance Group. Prepared. Not panicked.

☕ Tuesday at the agency.Client called this afternoon to ask if the neighbor kid who basically lives in their pool this s...
06/02/2026

☕ Tuesday at the agency.

Client called this afternoon to ask if the neighbor kid who basically lives in their pool this summer counts as a dependent on their homeowners policy.

He does not.

He is, however, very much a liability conversation. Which is exactly what we had next. 😄

If you have a pool and you have not reviewed your liability limits since you filled it, that 15-minute call is worth your time. We promise we will not ask about the neighbor kid.

📞 859-687-2004 | Nova Insurance Group. Prepared. Not panicked.

Your auto policy covers you on every road in Kentucky. The moment you put a boat in the water, it stops. 🛥️A lot of Kent...
06/02/2026

Your auto policy covers you on every road in Kentucky. The moment you put a boat in the water, it stops. 🛥️

A lot of Kentucky boaters assume their auto policy follows them onto the lake. It does not.

Boat damage, watercraft liability, and on-water injuries are all separate coverage categories. We watched a collision play out on Herrington Lake last summer where the at-fault owner had zero watercraft coverage. Their auto carrier declined the claim the same day.

A standalone boat policy in Kentucky typically runs $200 to $500 a year depending on the vessel. That is less than a single weekend at most Central Kentucky marinas.

If your boat is in the water this summer, make sure your coverage is too. Takes one phone call.

📞 859-687-2004 or novainsurancegroup.com | Nova Insurance Group. Prepared. Not panicked.

You opened the pool this weekend. Did you call your insurance company? 🏊Most people skip that part. Here's why it matter...
06/02/2026

You opened the pool this weekend. Did you call your insurance company? 🏊

Most people skip that part. Here's why it matters.

In Kentucky, a backyard pool is legally considered an "attractive nuisance." If a neighbor's kid wanders in and gets hurt, your homeowners policy is the one responding. Most standard policies carry $100,000 in personal liability. One serious pool injury can clear that in a single ER visit, before anyone calls a lawyer.

The fix is a 15-minute call to confirm three things: your current liability limit, whether a pool endorsement changes anything on your specific policy, and whether an umbrella makes sense for your situation.

That conversation before something happens always costs less than the one after.

📞 859-687-2004 | Nova Insurance Group. Prepared. Not panicked.

www.novainsurancegroup.com

Most Kentucky business owners think they have "business insurance," and they're partially right. 📋The Business Owners Po...
06/02/2026

Most Kentucky business owners think they have "business insurance," and they're partially right. 📋

The Business Owners Policy (BOP) covers general liability and your property. But it doesn't cover employees (workers comp), vehicles (commercial auto), professional mistakes (E&O), data breaches (cyber), or employee lawsuits (EPLI). Those are all separate policies. 🚨

The painful version of this conversation usually happens at claim time: a fired employee files a discrimination claim, ransomware locks the customer database, or a delivery driver causes an accident in a personal vehicle while on the clock. The BOP doesn't respond, and the owner finds out they needed a different policy entirely. 💼

The good news: every gap is fixable in advance. The right Kentucky business insurance package is mapped to the actual operations of the business, not bought off a shelf. Five questions get you to the right structure.

Link is in the first comment 👇

📞 859-687-2004 | Nova Insurance Group. Prepared. Not panicked.

🛑 Stop calling it "full coverage" until you've read your declarations page."Full coverage" isn't a real coverage type. I...
06/01/2026

🛑 Stop calling it "full coverage" until you've read your declarations page.

"Full coverage" isn't a real coverage type. It's industry shorthand for three things stacked on one auto policy: liability, collision, and comprehensive. Three boxes checked. That's the whole definition.

Here's where Kentucky drivers get burned. Having all three does NOT mean you have adequate liability limits. It does NOT mean you're protected when an uninsured driver hits you. It does NOT cover the gap between what you owe on a financed car and what the carrier pays out. And it does NOT cover driving for Uber, Lyft, or DoorDash.

Kentucky's state minimum liability is 25/50/25. A single overnight ER stay can clear those numbers before anyone leaves the hospital. A serious multi-car accident can generate well over $200,000 in claims. If your "full coverage" is sitting on state minimums, everything above the limit comes out of your house, your wages, and your retirement.

Pull your declarations page tonight. Check three lines. Liability limits. Uninsured motorist limits. The endorsements section. If liability is below 100/300/100 or UM/UIM is missing entirely, you have a gap that "full coverage" never closed.

Questions? 📞 859.687.2004 or novainsurancegroup.com

🛡️ The cheapest million dollars of liability protection you'll ever own: an umbrella policy. It stacks on top of your au...
06/01/2026

🛡️ The cheapest million dollars of liability protection you'll ever own: an umbrella policy.

It stacks on top of your auto and home liability and kicks in when those limits run out.

If you own a pool, have a teen driver, walk a dog, or have equity you'd hate to lose in a lawsuit, this is the 10-minute conversation worth having before summer hits full speed.

Questions? 📞 859.687.2004 or novainsurancegroup.com.

Address

99 Wind Haven Drive Ste 1
Nicholasville, KY
40356

Opening Hours

Monday 8:30am - 4:30pm
Tuesday 8:30am - 4:30pm
Wednesday 8:30am - 4:30pm
Thursday 8:30am - 4:30pm
Friday 8:30am - 4:30pm

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