MONOCLE INSURANCE
Learn More About Us
Monocle Insurance, founded in 2017, is a full service personal lines insurance agency offering coverage in Auto Insurance, Home Insurance, Renters Insurance and more in Louisville and across the states of Arkansas, Connecticut, Florida, Indiana, Kentucky, Maryland, Massachusetts, Missouri, Montana, North Carolina, Ohio, Oklahoma, Texas and Virginia. Monocle’s Network of Agencies continues to expand into more states as we grow across the country. Our headquarters are conveniently located inside Bill Collins Ford, the largest Ford dealership in Kentuckiana. Monocle Insurance is proud to sell & service the following policy types: Home, Auto, Condo, Dwelling, Renters, Boat, Cycles & Umbrella. Our agency represents the following insurance carriers: Travelers, SafeCo, Hagerty’s, Progressive, State Auto, Chubb, and others.
WE'VE GOT YOU COVEREDWhy Choose Monocle?
When you buy an auto insurance policy, you are buying a package of individual coverage’s. The coverage sections can be grouped in three categories: Liability coverage, Medical coverage, & Vehicle coverage. Each individual coverage protects you against different types of losses. Once you understand the vario us coverage’s, you can decide which ones to include in your personal insurance package. You can also determine the limits of coverage you will need. The following are some common coverage’s found in an auto policy. NOTE: Your policy may not contain all of these coverage’s.
Dwelling
If your home sustains damage or is destroyed by a covered loss, the dwelling coverage will pay the cost to repair or replace your home, up to the limits of the policy. Attached structures, such as garages, pools and patio covers, are typically included in the dwelling coverage limit.
Other Structures
The other structures coverage of your policy provides coverage to permanent structures not attached to your home. Other structures include detached garages, fences & sheds. The policy limit for other structures is typically set at 10 percent of the dwelling coverage limit.
Personal Property
Personal property coverage pays for the damage, destruction or theft of your personal belongings, up to the limits of the policy. The limits for personal property coverage are typically set at 50 percent of the dwelling limit, but you can request to set the limit at a higher amount. Valuables such as jewelry and artwork require a separate policy or endorsement to the policy to be covered.
Liability Insurance – Most states require a minimum amount of Liability Insurance to cover bodily injury and property damage that you may cause to other people in an at-fault accident. Liability coverage does not cover you or your motorcycle.
Collision Coverage – Covers damage to your motorcycle from a collision, regardless of fault, and usually covers the resale value of the motorcycle before the loss occurred.
Comprehensive Coverage – Pays for damage caused by an event other than a collision. This includes fire, theft or vandalism. Most comprehensive and collision coverage pays to replace only the factory standard parts on your motorcycle. Additional or optional equipment coverage is needed for accessories such as chrome parts, sidecars or custom paint jobs.
Uninsured/Underinsured Motorist Coverage – Covers damage to you and your property caused by a driver or rider who does not have insurance or does not have enough insurance to cover your damages. This coverage typically pays for medical treatment, lost wages and damage to your motorcycle.
Liability Insurance – Most states require a minimum amount of Liability Insurance to cover bodily injury and property damage that you may cause to other people in an at-fault accident. Liability coverage does not cover you or your motorcycle.
Collision Coverage – Covers damage to your motorcycle from a collision, regardless of fault, and usually covers the resale value of the motorcycle before the loss occurred.
Comprehensive Coverage – Pays for damage caused by an event other than a collision. This includes fire, theft or vandalism. Most comprehensive and collision coverage pays to replace only the factory standard parts on your motorcycle. Additional or optional equipment coverage is needed for accessories such as chrome parts, sidecars or custom paint jobs.
Uninsured/Underinsured Motorist Coverage – Covers damage to you and your property caused by a driver or rider who does not have insurance or does not have enough insurance to cover your damages. This coverage typically pays for medical treatment, lost wages and damage to your motorcycle.