Steve Straub - Nova Insurance Group - Owner & COO

Steve Straub - Nova Insurance Group - Owner & COO Auto, Home, Life & Business Insurance

02/20/2026

Pop quiz, Kentucky homeowners 🏠

If your house burned down tomorrow, do you know how your insurance company would calculate what to pay you?

Because there's a BIG difference between getting a check that rebuilds your home… and getting a check with "depreciation" subtracted from it. 😬

Here's what most people don't realize — there are actually four different ways your policy can value your home:

🔹 Replacement Cost
🔹 Extended Replacement Cost
🔹 Guaranteed Replacement Cost
🔹 Actual Cash Value (ACV)

One of these rebuilds your house. One of them hands you a check that won't even cover the foundation.

And most Kentucky homeowners have no idea which one is on their policy right now.

We broke it all down — plain English, real math, zero jargon — in our latest article. You'll find the link in the first comment. 👇
📖 5-minute read

If this is the kind of thing your friends and neighbors need to know, share it or tag someone who just bought a home. That's how we keep Kentucky homeowners from getting surprised at claim time. 💪

And if you're not sure which valuation type is on YOUR policy, that's exactly what our complimentary coverage review is for. One conversation. No pressure. Just clarity.

📞 859-687-2004
Nova Insurance Group

Prepared. Not panicked. ✅

02/19/2026

💸 Ever hear “Actual Cash Value” and think… sounds okay?

Here’s what most people don’t realize 👇
Actual Cash Value means depreciation comes out of your claim.

That $10,000 roof?
👉 Might turn into a $3,500 check. 😬

Meanwhile, Replacement Cost is designed to pay what it actually costs to repair or replace — not what your stuff is “worth today.”

We see this mistake all the time after claims.

If you don’t know which one your policy uses, it’s worth a quick review.

📞 Nova Insurance Group — 859-687-2004

Because “close enough” isn’t protection.

🛡️ Know before disaster strikes.

Full article link in the first comment!

Please like/share/subscribe to our content if you think you or someone you love could value from it.










02/17/2026

🏠💥 Think your home insurance will rebuild your house exactly like it was?

Not always.

Today’s article breaks down one of the biggest claim surprises we see in Kentucky:

👉 Replacement Cost vs Actual Cash Value (ACV)

Short version:

Replacement Cost helps rebuild your home.

ACV subtracts depreciation first.

Translation?

Same damage. Very different checks. 😬

With labor shortages, material spikes, and code upgrades, rebuild costs today are blowing past estimates — and many homeowners don’t realize their coverage stops at the policy limit.

Inside the article - link in the first comment.

✅ What Replacement Cost really means
✅ How ACV quietly shrinks payouts
✅ Why limits fall short
✅ Real-world Kentucky examples
✅ How to avoid rebuild regret

02/14/2026

🛁🚗 Kentucky’s hottest hot tub… also known as your next pothole.

If you’ve hit a pothole lately, you’re not alone. Late winter in Kentucky is peak season for bent rims, blown tires, and surprise alignment bills.

Here’s what most drivers don’t realize:

✔ Pothole damage is almost always collision
✔ It’s usually considered an at-fault claim
✔ Deductibles apply
✔ Small claims often cost more long-term than paying out of pocket

In today’s article, I break down:

🛞 What potholes really damage
💸 Why claims under $1,500 usually lose money
📉 How this impacts your insurance record
🧠 When filing a claim makes sense (and when it doesn’t)
📸 What to do immediately after hitting a pothole

👉 Read the full article - link in the comments
👉 Subscribe to the blog
👉 And if you’re unsure how your auto policy handles pothole damage, now’s a great time for a coverage review

Before Kentucky roads take a bite out of your wallet… let’s make sure your coverage is ready.










02/12/2026

Ice dams can cause hidden roof leaks after a freeze. Learn warning signs, what insurance covers, and how Kentucky homeowners can prevent costly damage.

02/11/2026

Does homeowners insurance cover burst pipes? Learn what’s typically covered, common exclusions, and how Kentucky homeowners can avoid costly surprises.

02/09/2026

Burst pipes after a Kentucky freeze? Learn why warmups cause failures, what to do first, and how insurance responds—plus steps to limit costly water damage

02/08/2026

Kentucky’s historic comeback vs Tennessee shows why preparation matters—on the court and in life. Plus Super Bowl 2026 watch info and resilience lessons.

🎄 Holiday Hours 🎄Our office will be closed December 24–26 and will reopen December 29.Happy Holidays from our team!
12/23/2025

🎄 Holiday Hours 🎄

Our office will be closed December 24–26 and will reopen December 29.

Happy Holidays from our team!

That couch, rug, or “I’ll move it later” box might be secretly sabotaging your HVAC system.Blocked vents don’t just redu...
12/18/2025

That couch, rug, or “I’ll move it later” box might be secretly sabotaging your HVAC system.

Blocked vents don’t just reduce airflow… they force your system to work overtime, overheat, and in extreme cases?

Start a fire. 😳

Poor airflow can lead to:
• Higher energy bills
• Uneven heating and cold spots
• Stress on your furnace or AC
• Serious property damage if things get too hot

Keep them clear because:
❤️ You love a warm, efficient, safe home
😱 You fear avoidable repairs, fire hazards, and surprise expenses

Check your vents today — let the air (and the savings) flow freely.

The stockings were hung by the chimney with care,In hopes that a five-alarm fire wouldn’t be there.The fireplace was cra...
12/17/2025

The stockings were hung by the chimney with care,
In hopes that a five-alarm fire wouldn’t be there.

The fireplace was crackling, the glow warm and bright,
But leaving it solo? Not a smart move tonight.

A spark can slip out, an ember can roam,
Turning holiday magic into damage at home.

So cozy up near it, enjoy the soft light,
But never walk off and leave flames out of sight.

Your chimney’s a treasure — treat it with respect.
Your home (and your insurance deductible) will thank you.

We all love the glow of Christmas lights — they make your home look festive, warm, and slightly capable of being seen fr...
12/16/2025

We all love the glow of Christmas lights — they make your home look festive, warm, and slightly capable of being seen from space.

But old, damaged, or overloaded lights can turn your holiday cheer into an unexpected fire hazard. 😬

Watch out for:
• Frayed wires
• Cracked bulbs
• Overloaded outlets
• Indoor lights being used outdoors (yes, that’s a thing)

Check them because:
❤️ You love your home and the people opening presents in it
😱 You fear turning your living room into a “special holiday episode” of Fire & Rescue

A quick inspection today keeps your holidays bright — not blazing.

Address

99 Wind Haven, Suite 1
Nicholasville, KY
40356

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Tuesday 9am - 5pm
Wednesday 9am - 5pm
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Friday 9am - 5pm

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