PROPERTY & CASULTY INSURANCE

Le Nguyen Insurance is here to help you navigate property & casualty plans.

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Le Nguyen Insurance can help you find the right property and casualty coverage for your needs. While our property and casualty insurance is currently only available in Kentucky and Indiana, we do offer Safeco, State Auto, Berkshire Hathaway, Liberty Mutual and Progressive under these lines of authority.

 

What is Property and Casualty Insurance?

Property and casualty insurance is an umbrella term that refers to the various forms of insurance that help protect the things that you own. Typically, property and casualty insurance is split into two coverage types: property protection and liability coverage. Liability coverage will protect you in the event that you are found legally responsible for damages to another person’s property or injuries to another person as a result of your negligence. 

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Homeowner’s Insurance

Homeowner’s insurance protects your home and belongings from perils that are covered in your policy, like incidents of theft, fire, or a covered weather incident. Liability coverage is usually included with homeowner insurance policies. The liability coverage portion of your policy can help protect you if someone is injured inside your home or on your property. Because you could be found liable for negligence in a situation like this, property and casualty protection will help cover these costs, which include things like legal fees, lost wages, medical bills, and pain and suffering so you don’t have to worry about paying out of pocket. At Le Nguyen Insurance, we also specialize in insuring hard to insure homes homes in disaster prone areas, older homes, vacation homes, homes with trampolines and pools, vacant homes, and homes with lengthy claim history.

 

Special Event Coverage 

Special event coverage is also under the property and casualty umbrella. This type of insurance provides coverage for damages that you are deemed legally responsible for, like property damage or injury that occurs at your event location. Special events can include business and corporate events, weddings, receptions, festivals, and many other types of events lasting between one and ten days. Many venues require that you have special event coverage in their rental agreements. Depending on the type of event you are hosting, and what you plant to have at your event, there are a wide range of coverage options. 

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Car and Fleet Insurance

Car insurance is required by almost every state, and there are a wide range of coverage levels available that meet these requirements. Typically, car insurance will protect your vehicle and you in the event of an accident. While not all states require collision coverage, they do require casualty, or liability, coverage in case you are found legally responsible for injuries sustained by another person in your collision. Businesses are also required to insure commercial vehicles. Depending on the level of coverage that is chosen, fleet insurance is often a more affordable option than insuring individual vehicles that are in use. Fleet insurance covers liability risks for all vehicles used by a company, and allows all employees at the company to drive the vehicle and have coverage if they are involved in an accident. 

 

Le Nguyen Insurance proudly is serving the tri-state of Kentucky, Indiana and Ohio.