Home Insurance

Protecting homes across Kentucky

The right coverage for where life happens.

Your home is more than just a structure—it’s where memories are made, milestones are celebrated, and life unfolds. At Ditsler Insurance Agency, we provide personalized homeowners insurance solutions that protect your most valuable investment. Whether facing storm damage, theft, or unexpected loss, we’re here to make sure you’re covered when it matters most.

GET A QUOTE
A black and white drawing of a diamond on a white background.

Dwelling coverage

First we make sure you have the right amount plus a cushion as INFLATION has made the right amount hard to determine. After we determine what we think is the right amount we add a low cost endorsement which adds a 25% minimum extra to the total. The more custom the home higher cushions are required. We can also cover all your appliances and HVAC systems for Breakdown for less than $40/yr.

A black and white drawing of an umbrella and a beach ball.

Property & Liability

Accidents happen. Whether it’s a guest injury on your property or an unexpected legal claim, our liability coverage options ensure you’re financially protected. Let’s find the right plan for your home and lifestyle.

A black and white icon of a house with a dollar sign on it surrounded by circles.

Additional Living Expenses

If a covered event forces you out of your home, additional living expenses coverage helps with temporary housing, meals, and essential costs. We make sure you have a safety net when the unexpected happens.

Some basic information that can help you better plan ahead.

  • What does homeowner’s insurance typically cover?

    Homeowner’s insurance typically protects your home’s structure, personal belongings, and liability. We also offer coverage for additional living expenses if your home is uninhabitable. 

  • How do I know how much coverage I need?

    We work with you to assess your home’s value, the belongings you cherish, and your potential liability.

  • Can I bundle homeowner’s insurance with other policies?

    Absolutely. Bundling your homeowner’s insurance with auto, umbrella, or other policies can offer savings and convenience. 

  • What is the process for filing a claim?

    Navigating a claim can be complex, but Ditsler Insurance Agency is here to help guide you through the process.

Custom Policies for Your Unique Home

Every home is different—your coverage should be too. As an independent agency, we work with top insurers to create a custom plan that fits your needs and budget.


Request a no-obligation quote today and explore a range of homeowners insurance options. At Ditsler Insurance Agency, you’re not just getting a policy—you’re gaining a trusted local partner who values integrity, transparency, and long-term protection.