• Because experience
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    We are dedicated to protecting the things you love most. Since 1897, we have been protecting your family, your business, and your future.

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In efforts to lift the spirits of graduating seniors we are thankful we could participate in sponsoring seniors at Christian County High School and Hopkinsville High School. The donations were used for class gifts to commemorate their senior year. This contribution was made with matching funds from Erie Insurance. Congratulations graduates! #ERIEAgentsGivingBack

We would like to express our sincere appreciation and thanks to the Chamber of Commerce for recognizing Higgins Insurance with the Quality Service Award. We are truly humbled and honored to receive it. This wouldn’t be possible without the valued support of our clients.

Higgins Insurance is honored to be presented with the Quality Service Award, sponsored by Edward Jones and given by the Chamber of Commerce for this month. We would like to thank everyone, especially our customers, for their continued support.

 

Sometimes damage to your car is unavoidable.

Unfortunately, filing an auto insurance claim can quickly raise the price of your insurance premium. No one wants to pay more money, so how can you avoid damaging your car? Here are some of the most common car insurance claims in Kentucky and a few ways to avoid them:

  • Accidents – From fender benders to major wrecks, car accidents are one of the leading reasons people make an auto insurance claim. Your auto insurance coverage can help you repair or replace your car, and can also help cover medical costs for you and your passengers. Being a safe driver and remaining aware of your surroundings is the best way to avoid an accident.
  • Weather – Hail, falling branches, and other weather related damage can happen in Kentucky. These falling objects can break glass and damage car bodies. Comprehensive insurance typically covers this repair expense.
  • Animal Collisions – An accidental collision with a deer or other animal can cause a lot of damage to your vehicle. Vehicle damage is a common claim, especially in the more suburban and rural areas of Kentucky. Reducing your speed in areas with a lot of wildlife while always being aware of your surroundings can help you avoid an accident of this nature.
  • Windshield Damage – A small object like a piece of gravel can cause a knick, crack, or break to your windshield while driving down a highway. The price of replacing or repairing a windshield can be high, so many people will use comprehensive coverage to pay for these damages.
  • Theft – Unfortunately, cars are often stolen. Comprehensive insurance coverage can help you if this happens. This insurance varies in price depending upon many factors such as where you live, garage accessibility, anti-theft devices, alarm systems, GPS tracking systems, and more.

Remember to keep an eye out and keep yourself protected!

No one wants to have to deal with issues like these, but when they do arise it is best to be prepared. Higgins Insurance in Hopkinsville, KY and Clarksville, TN can help you get the best car insurance for your needs. If you need advice or more insurance information, contact one of our helpful agents today!

Let Higgins help you chose what is right for your needs!

People take out homeowners insurance for the same reason they take out car and health insurance: If a home is damaged or someone else is injured on the property, insurance helps owners cope with the financial consequences. Homeowners insurance is actually a combination of two different types of protection, hazard insurance and liability insurance. Here at Higgins Insurance, we want to make sure you know.

Hazard Insurance

Hazard insurance protects you against unintentional damage or destruction to your house or its’ contents, including fire, storm, theft, vandalism and similar threats.

Liability

Liability insurance covers personal liability for accidents on your property. If your neighbor trips on a hose in your yard and breaks his/her ankle, for example, liability insurance will pay for his/her medical expenses, up to the policy limit.

Exclusions

Homeowners insurance doesn’t protect you against everything: Insurers routinely exclude things such as flood damage and earthquake damage from coverage, though separate flood and earthquake policies may be available where you live.

Check with your Higgins Insurance Agent about the availability of flood insurance in Kentucky or Tennessee. We have locations in both states. Our Hopkinsville office is located at 1819 E. 9th Street, Hopkinsville, KY 42240. Our Clarksville office is located at 120 Center Pointe Drive, Clarksville, TN 37040.

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