Commuting on KY 17 & KY 16
Many Independence drivers commute north on KY 17 or over to I-71/75. Make sure your auto limits go beyond the state minimum. Here is why minimums fall short.
Independence, Kenton County
About Independence
Independence is one of Kenton County’s two county seats (Covington is the other) and one of the larger cities in Northern Kentucky by area. It mixes newer subdivisions along KY 17 (Madison Pike) and KY 16 with more rural land toward the south of the county.
From our Florence office, Independence is a short drive east, and we are glad to work by phone or text if that is easier.
Turner Insurance Group serves Independence (41051) and the rest of Kenton County. Product availability varies by ZIP and carrier, so we confirm options for your address.
Coverage for Independence
What Independence 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.
Subdivisions & basements
Newer Independence homes often have finished basements. We review water-backup limits and your dwelling coverage with every homeowner.
Rural property
Farther south, larger lots can include outbuildings, fencing and equipment. Let us know so other-structures limits and any specialty coverage fit what you own.
Renters & first-time buyers
Renting now and buying later? Start with renters insurance, and read our first-time homebuyer guide before closing.
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 · Covington · Newport · Fort Thomas · Walton · Lexington
FAQ
Common questions
Are state minimum liability limits enough for my commute on KY 17 or KY 16?
Kentucky’s minimum is 25/50/25, and a serious crash can cost much more than that. If you cause the crash, you are personally responsible for the rest. Read why minimums fall short before you choose your limits.
I have a large lot with outbuildings, fencing and equipment. How is that covered?
Outbuildings usually fall under other-structures coverage, which is a portion of your dwelling limit. Fences and landscaping may have limits, and farm or business use is often treated differently. Tell us exactly what you own so we can look at specialty coverage where needed.
We are buying our first home. What should we get quoted before closing?
Start with homeowners insurance, because your lender will want proof of coverage. Ask about water-backup and flood coverage, too, since standard policies exclude both. Our first-time homebuyer guide has a checklist.
I am moving to Independence from out of state. Can you start a quote before I move?
Usually yes. Give us your new address and your move date, and we can quote with that address. We are licensed in Kentucky, Ohio and Indiana, and product availability varies by ZIP and carrier, so we confirm options for the address. Call or text (859) 344-8588.
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
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Get a quote in Independence
Request a quote online, or call or text our office at 7000 Houston Rd, Ste 12, Florence, KY 41042.