Historic & older homes
Many Covington homes are well over a century old. Rebuilding with similar materials can cost more than you would expect, so we take a careful look at dwelling limits and any carrier questions about roofs, wiring and plumbing.
Covington, Kenton County
About Covington
Covington sits on the Ohio River across from downtown Cincinnati, where the Licking River meets the Ohio. It is one of Kenton County’s two county seats and is known for historic neighborhoods such as MainStrasse Village and Licking Riverside, and for the Roebling Suspension Bridge.
Our Florence office at 7000 Houston Rd, Ste 12 is a short drive south of Covington on I-71/75, and many Covington clients work with us by phone or text.
Turner Insurance Group serves Covington (41011, 41014, 41015 and 41016) and the rest of Kenton County. Product availability varies by ZIP and carrier, so we confirm options for your address.
Coverage for Covington
What Covington clients ask us about
These are the coverage conversations we have most often. Every policy is different, so we look at your home, cars and budget before recommending anything.
River city, flood questions
Covington is protected by a floodwall system, but flood from rising water is still excluded on standard home and renters policies. Ask us whether a separate flood policy makes sense for your address.
Renters & condos
Covington has many apartments, rowhouses and converted buildings. A renters policy protects your belongings and liability. Condo owners need a policy that fits the association’s master policy.
Cross-river commuting
Driving into Cincinnati daily means driving under Ohio’s at-fault rules. Our auto page explains the difference, and why UM/UIM coverage matters.
How it works
Working with Turner Insurance Group
A real agent, a plain-English review, and no pressure.
1. Tell us what you need
Request a free quote online, or call or text (859) 344-8588, Monday through Friday, 9 AM to 6 PM ET.
2. Compare options
We review limits, deductibles and discounts with you and explain the tradeoffs. Read how to save on insurance before we talk.
3. Stay covered
When you move, buy a car or add a driver, call the same office. Meet Kenneth and Anita.
More from Turner Insurance Group
Coverage & nearby areas
Auto insurance · Homeowners insurance · Renters insurance · All coverage · Our office
Other areas we serve: Florence · Burlington · Hebron · Union · Erlanger · Independence · Newport · Fort Thomas · Walton · Lexington
FAQ
Common questions
Covington has a floodwall. Do I still need flood insurance?
The floodwall lowers risk, but it does not change your policy. Standard homeowners and renters policies exclude flood from rising water, and a lender may require flood coverage depending on the flood zone for your address. Call us with your address and we will look at flood options.
I drive into Cincinnati every day. What does Ohio’s at-fault system mean for me?
In Ohio, the driver who causes a crash is responsible for the other party’s injuries and damage, and the other driver’s liability coverage is what pays you. That makes your own UM/UIM coverage and your liability limits important. The Ohio section of our auto page explains the difference from Kentucky.
I own a condo in Covington. What does my own policy need to cover?
Your association’s master policy covers the building as defined in its documents, and your own policy usually covers your belongings, your liability and the interior items the association does not. Ask your association for its master policy details, and send them to us so the coverage fits.
My Covington home is more than 100 years old. How does that affect coverage?
Rebuilding with similar materials and craftsmanship can cost more than people expect, so the dwelling limit matters. Some carriers also ask about the roof, wiring and plumbing. We gather those details with you so your homeowners quote is accurate.
Does renters insurance in Covington cover my belongings if the river floods?
Not under a standard renters policy, which excludes flood from rising water, although a separate flood policy for belongings may be available. A renters policy still covers other losses, such as fire or theft, plus your personal liability. Ask us what fits your building.
Find our office
Directions to our Florence office
Visit us at 7000 Houston Rd, Ste 12 in Florence, or get driving directions from wherever you are.
Turner Insurance Group
7000 Houston Rd, Ste 12Florence, KY 41042
(859) 344-8588 Monday–Friday, 9 AM–6 PM ET
Directions in Google Maps · Open in Apple Maps
Your location is only used in your browser to open directions and is not sent to us. Opening directions or showing a route on the map shares it with Google Maps.
Get a quote in Covington
Request a quote online, or call or text our office at 7000 Houston Rd, Ste 12, Florence, KY 41042.