Nova Insurance Group

09/03/2026

The renter you helped into a lease this month is your buyer in eighteen months. Most agents never see them again. 🔑

Here is how I handle it, and why it should matter to you.

When you send me a renter, I write the policy and I keep the relationship warm. Annual review, rate check, the occasional note. Nothing salesy.

Then when they start talking about buying, I tell them to call you. By name. Because you are the reason they have a good policy and they remember that.

I am not trying to be their agent for life so I can sell them a home policy someday. I am trying to be the reason a lead you already worked comes back to you instead of walking into an open house with somebody else's card.

The renter referral is the cheapest long-game lead in this business and almost nobody runs it on purpose.

Let's build a handoff that sends the client back to you: https://novainsurancegroup.com/insurance-quote/

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

09/03/2026

Your rent is $4,500 a month. Your loss of use coverage is $9,000. Do that math before you need to. 🏨

Loss of use is the part of a renters policy that pays for somewhere to live while your place is unlivable. Most policies set it as a percentage of your contents limit, which means nobody ever actually looked at your rent.

Here is what displacement really looks like in Lexington. A serious water or fire loss in a nice building takes 60 to 120 days to make right. A comparable short-term rental runs well above your monthly rent, because you are paying nightly rates for a furnished place on no notice.

At $9,000 you are covered for a few weeks. Then it is your money.

The fix is boring and cheap. Set loss of use to a real dollar figure based on your actual rent and a realistic timeline, not a default percentage.

See what your loss of use limit should actually be set to: https://novainsurancegroup.com/personal-insurance/high-net-worth-insurance/

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

09/03/2026

🚫 This is not an insurance job.

We're hiring someone in Nicholasville whose entire job is making an insurance agency interesting to follow. Writing, filming, designing, running our podcast, and getting out into the community.

Here's the honest version of why. Nova does really good work for families and businesses around Central Kentucky. Not enough people know that, and the person who's supposed to be fixing it is me, squeezed in between everything else I do. That isn't working.

🎙️ So we built a podcast studio in our office. We've got a blog, a
newsletter, and a calendar full of Lunch and Learns. What we don't have is the person to run any of it.

What the job actually looks like:

✍️ Writing and posting every day
🎬 Shooting video around the office
🎧 Cutting up podcast episodes
🎨 Designing in Canva
📱 Running our Facebook ads
☕ Dropping in on local lenders and realtors with coffee

Full-time, in our Nicholasville office. Anywhere from a brand new grad to about five years of experience. You do not need to know a single thing about insurance. We'll teach you that. 🤝

📧 Email your resume and a note about why you're interested to
[email protected]

👇 And if you're reading this thinking of someone who'd be perfect, please send it to them. That's usually how the good ones find us.



Landry Fields
Amanda Bucci-Steffen
Phileena Boggess
Josh Thompson
Debbie Howell Roberts
Clark Agathen

Posted 3:19:21 PM. COMPANY DESCRIPTIONNova Insurance Group is an independent insurance agency based in…See this and similar jobs on LinkedIn.

09/03/2026

Renters insurance does not cost the same in Nicholasville as it does in Lexington. Here is what each town actually runs. 🏘️

Nicholasville tends to come in lowest of the three, helped by newer construction and lower claim frequency in Jessamine County.

Versailles runs close behind, though older buildings closer to downtown can push a quote up.

Georgetown lands slightly higher on average, largely a function of building age and unit density.

The spread between the cheapest and priciest of the three is real, but it is smaller than the spread between a good policy and a thin one in the same town. Coverage choices move your premium more than your zip code does.

Every one of those quotes came from a local carrier appointment, not a national estimator. That is the difference between a number and a guess.

Get a quote from an agent who is actually in your county: https://novainsurancegroup.com/contact/nicholasville-ky-insurance/

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

09/03/2026

"Is my employee covered in the company truck?" Usually yes. The word usually is doing a lot of work in that sentence. 🚛

Jason runs a landscaping company in Nicholasville with three crew trucks, all properly scheduled on his commercial auto policy. On an owned vehicle, coverage follows the vehicle, and most policies cover permissive use, meaning the person you let drive is generally covered.

Where it breaks down is quieter than that. Qualified drivers left off the policy. A motor vehicle record nobody pulled. A new hire added to the rotation in March and never mentioned to the carrier.

And one more thing worth saying plainly: business auto is not workers compensation. If your employee is injured in a company vehicle, those are two different policies doing two different jobs. 🧾

If you run crew trucks anywhere in Central Kentucky, pull your driver list this week and compare it to who is actually behind the wheel. That one habit prevents most of the surprises we see.

Link is in the first comment 👇

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

09/02/2026

The question I get asked most is what is the cheapest. The question almost nobody asks is what does it pay. ☕

I understand the first one. Everything costs more than it did three years ago and insurance is an easy line to squeeze. I am not going to lecture anybody about that.

But I have sat with people on the worst day of their year and watched them find out what their cheap policy actually did. That conversation is not about premium. It is about a number on a check that does not cover the hole in their life.

So here is how I answer it now. I will always tell you the cheapest option I can find you. Then I will tell you exactly what you gave up to get there, in plain numbers, and let you decide.

That is the whole job. Not selling up, not talking anybody into anything. Just making sure nobody finds out the hard way.

If you have ever wondered what your policy actually pays, ask me. I will read it with you, no charge, no pitch: https://novainsurancegroup.com/about-our-agency/

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

09/02/2026

Their son moved into an apartment off Nicholasville Road. They assumed he was still on their policy. He was not. 🎓

Mark and Denise live in Tates Creek. Their son signed his first lease last August. Nobody called us, because nobody thought there was anything to call about.

In February a pipe in the unit above his failed. His side of the apartment took the water. Laptop, textbooks, most of his clothes.

Here is the rule that surprised them. A homeowners policy can extend limited coverage to a dependent student, but only under specific conditions, and the limit is a small fraction of the main contents limit. Their son did not qualify. The claim paid nothing.

Out of pocket: $6,400. A renters policy would have run about $17 a month.

If you have a kid in an apartment in Lexington right now, this is a five-minute conversation worth having.

Check whether your policy actually extends to a child away from home: https://novainsurancegroup.com/personal-insurance/home-insurance/

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

09/02/2026

The $15 policy and the $28 policy are not the same product. Here is what separates them when something actually burns. 🔥

Say a kitchen fire runs through your apartment. Smoke damage everywhere, most of your clothes gone, laptop melted.

On the $15 policy: $30,000 of contents, and it is actual cash value, so depreciation comes off everything. That four-year-old TV pays maybe $180. Your displacement coverage runs out in about three weeks.

On the $28 policy: $75,000 of contents at replacement cost, so you get what a new one costs today. Loss of use runs long enough to actually find a new place in the Lexington rental market. 🏠

Thirteen dollars a month is the entire difference. That is one lunch.

We are not telling you to buy the expensive one. We are telling you to know which one you have before you need it.

Compare both tiers side by side with a real quote for your address: https://novainsurancegroup.com/personal-insurance/renters-insurance/

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

09/02/2026

Your business owns zero vehicles. You still have a commercial auto exposure. 👀

Rachel runs a marketing firm in Hamburg with four employees and no company cars, so she never thought about auto coverage at all. Then she asked someone to run a Friday deposit to the bank, and the trip ended in an accident.

The employee's personal policy responded first. Then the attorney named the business, because the errand was for the business.

That gap has a name: hired and non-owned auto, or HNOA. It covers your company when employees drive their own cars for work or when you rent a vehicle. Important detail: it protects the business from the lawsuit. It does not repair the employee's car. 🚗

If anyone at your company ever runs to the bank, the post office, a client site, or the supply house, you have this exposure right now.

The good news is that HNOA is usually inexpensive to add, and in most cases it attaches to coverage you already carry. It is one of the cheapest gaps in Kentucky business insurance to close.

Link is in the first comment 👇

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

09/01/2026

Property managers: most renters certificates you accept are missing at least one of these three things. 📋

First, the liability limit has to actually meet your lease requirement. Plenty of certs show a policy that exists without showing a limit that qualifies.

Second, your community has to be named as an interested party or additional interest. Without it, you never get told when the policy lapses, and lapses are where the real exposure lives.

Third, the effective date has to start on or before the move-in date. A cert dated three days after keys change hands leaves a gap that is nobody's fault and everybody's problem.

The one that gets faked most often is the second one, because it is the one nobody checks.

We handle renters certs for communities across Lexington, Nicholasville, and Georgetown, and we format them to your requirement, not ours.

Send us your lease insurance requirement and we will match the certificate to it exactly: https://novainsurancegroup.com/insurance-quote/

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