Frequently Asked Homeowners’ Question

Q: I have just rented a storage unit in preparation for putting my house on the market.  Are our possessions covered under our homeowners’ policy while in storage?

A: While moving, they would have up to 100% of their current Coverage C (Personal Property/Contents) at both locations under an HO-3 policy form.  Some companies will limit this to 30 days during a move.  But anything in the storage unit has the Coverage C limits.

Please refer to your specific policy for terms & conditions.

Do you have personal property/contents at a storage unit?

Deer Insurance?

We here at GoVaughn.com Insurance see lots of deer claims starting now.

They can really cause some damage to your vehicles.

Remember that deer claims usually fall under comprehensive coverage (sometimes referred to as "other than collision coverage") which is a part of Full coverage insurance. If you don't hit the deer but run off the road to miss the deer, those claims fall under collision coverage which is many times a larger deductible.

Let us know if you have some questions about auto accidents involving deer.

Read the article in the Henderson KY Gleaner newspaper about Deer collisions occurring earlier this year.

IRS Tax-Exempt Status change

An IRS deadline is fast approaching for Non-Profit / Charitable Organizations.  If you are part of a organization, then you need to check to see if your group’s name is on the IRS - List of Organizations.  Scroll down the page and you can pull up a list for each state.  There is a simple step to complete the required 990N postcard online to keep your Non-Profit status. 

A new law went into effect in 2006, which most groups knew nothing about.  The IRS is granting a onetime filing to correct this.  If the groups do not file before October 15^th, they will lose their tax exempt status and will have to pay tax on any income, plus anyone contributing to the group will not be able to claim a charitable tax donation.

Approximately two weeks left to get the word out and get these groups in compliance with the IRS.  We want to make sure that this doesn’t slip past any of our valued clients nor their organizations.  This can be big, so please pass along.

Has your non-profit complied with this IRS request?

Is My House in a Flood Zone?

This is a very common question that is asked to us quite often here at GoVaughn.com Insurance.

We would recommend that you use the official site of the NFIP.  That site is http://www.floodsmart.gov.

This site will give you a one-step flood risk profile and give you a estimated premium.

All homes are subject to possible flooding however some are in a "high risk" zones.

We offer Flood Insurance here at  Insurance and highly recommend to everyone regardless if you are in a flood zone or not. 

Please see contact us for more information or chat with us live now!

See other articles we here at GoVaughn.com Insurance have written about flood insurance.

Is your home in a Flood Zone?

Do you know distracted Driving? Take the quiz!

How well did you score?

The Society of Certified Insurance Counselors Honors GoVaughn.com Insurance Owner, Norris Priest for 30 years of participation

The Society of Certified Insurance Counselors (CIC) recently recognized Norris O. Priest, CIC of GoVaughn.com  Insurance in Henderson KY with a certificate honoring his 30 years of faithful participation in the advanced insurance education.

Making CIC history by being among the first group of CIC’s to reach this 30 –year milestone, Norris O. Priest, CIC earned the designation through a series of examinations and has maintained his CIC designation by annual attendance at an approved CIC continuing education program.

“The professional dedication and commitment represented by Norris O. Priest sets the standard within the insurance industry,” said Dr. William Hold, President of the Society of CIC. “This 30-year accomplishment signifies a career of active involvement in advanced insurance education. Norris O. Priest, CIC emphasis on professional development positively reflects on the insurance profession as a whole.”

Norris Priest, CIC has been the sole owner of GoVaughn.com  Insurance since 1974. GoVaughn.com Insurance has maintained a consistent name and location in downtown Henderson KY since 1917.

Norris at 76 years old works in the agency full time.

Norris along with his full time staff of seven licensed insurance agents work to provide insurance services to the tri-state area.

GoVaughn.com Insurance is licensed to sell insurance in Kentucky, Indiana and Illinois.

Ask an Insurance Question

This video gives some answers to some common questions about insurance relating to college students, rental cars, updating your policy and more.

We here at GoVaughn.com Insurance answer these questions almost daily.  Take a look at this informative video.

What INSURANCE question do you have today?  Ask us!