First-time homebuyer insurance
What you actually need before closing — dwelling, belongings, liability, deductibles, and lender vs real protection.
Read the guide
Education hub
Guides written like a conversation
Pick a topic below — young drivers, unlisted household members, first-time buyers, business basics, and more. Each guide is short enough to read with coffee, detailed enough to call us with smart questions.
Business insurance: what you need
GL, BOP, workers’ comp, and the coverages people forget — water backup, flood, wind/hail, and more.
Read the guideYoung & teen drivers insurance
When to list a teen or student, good-student / away-at-school discounts, and how Turner Insurance Group compares carriers.
Read the guideUnlisted & undisclosed drivers
What “unlisted” and “excluded” mean, risks of leaving someone off, and when to talk to Turner Insurance Group first.
Read the guideThere’s no such thing as “full coverage”
What people usually mean — and what to actually check on your declarations page.
Read the guideBI, PIP, UM/UIM, UMPD, deductibles & more
Plain-English coverages with everyday examples for Kentucky drivers.
Read the guideWhat “no-fault” really means in Kentucky
PIP covers injury/medical pieces; vehicle damage still follows fault. Plain-English examples for Florence / Northern Kentucky.
Read the guideState minimums aren’t a plan
The legal floor isn’t the same as protecting your house, paycheck, or savings.
Read the guideWhy umbrella insurance matters
What an umbrella is, who should consider one, and the kinds of claims that blow past regular limits.
Read the guideWhy you don’t want a coverage lapse
Gaps hurt rates, shopping options, and your peace of mind if something happens in between.
Read the guideKeys to keeping insurance low
Honest ways to save — without buying coverage that leaves you exposed.
Read the guideEducational only — not legal or coverage advice. Policies vary by state and carrier. Talk with Turner Insurance Group about your situation.
Questions? Turner Insurance Group is happy to walk you through it.
Get a quote online, or call or text our Florence office.