Wilson-Thompson Insurance Services

Standard homeowners insurance policies in Kentucky do not cover flood damage, which surprises many homeowners when they find out. Flooding from heavy rain, overflowing rivers, or even backup from drainage systems can cause serious damage to a home, and without specific flood coverage, that damage is an out-of-pocket expense. Wilson-Thompson Insurance Services in Louisville, KY helps homeowners understand this gap and explore flood insurance options through federal programs and private carriers. As an independent agency, they walk clients through the difference between standard coverage and flood protection, and help determine whether the risk in a given location justifies the additional policy. Louisville sits near the Ohio River, and some parts of Jefferson County and Southern Indiana carry higher flood risk than others. The agents at Wilson-Thompson Insurance Services bring local awareness to this conversation.