The class will be held at the following times:

Friday, May 8, 2026. This class will be held at the Henderson County Cooperative Extension Service, 3099 Zion Rd, Henderson, KY.

Friday, September 11, 2026. This class will be held at the Henderson County Cooperative Extension Service, located at 3099 Zion Road, Henderson, KY.

The class will begin promptly at 9:00 AM and conclude at 1:30 PM. It lasts four and a half hours, with multiple breaks and a box lunch provided. Please arrive early for class registration, as doors open at 8:30 AM.

The Instructor will be Nibby Priest, an AARP-certified Driver Safety Instructor.

Participants will learn the current rules of the road, defensive driving techniques, and how to operate a vehicle more safely in today’s increasingly challenging driving environment. You’ll learn adjustments to accommodate frequent age-related changes in vision, hearing, and reaction time. Pre-registration is required.

Kentucky auto insurance companies must offer a discount to those drivers 55 and above who complete this course. The discount is applied for a period of five years. The class costs will be $25 for non-AARP members and $20 for AARP members. The class is free if you have an AARP UHC Medicare Supplement insurance policy.

You must attend all four class hours to receive a certificate of completion. Payment (checks are preferred, payable to AARP) is accepted at the start of the course, and no refunds are available.

Are you intimidated by insurance?

Have no fear — this easy-to-understand guide explains everything you need to know, from getting the most coverage at the best price to dealing with adjusters, filing claims, and more.

Whether looking for personal or business insurance, you’ll see how to avoid common pitfalls, lower costs, and get what you deserve at claim time.

• Get to know the basics — understand how to make good insurance decisions and reduce the chances of a financial loss.
• Take your insurance on the road — manage your automobile risks, handle special situations, insure recreational vehicles, and deal with insurance adjusters.
• Understand homeowner’s and renter’s insurance—know what is and isn’t covered by typical policies, common exclusions and pitfalls, and how to protect yourself against personal lawsuits.
• Buy the right umbrella policy — discover the advantages and coordinate your policies to cover the gaps.
• Manage life, health, and disability risks — explore individual and group policies, understand Medicare basics, and evaluate long-term disability and long-term care insurance.

It’s an excellent read for anyone who buys insurance and can be purchased on Amazon!

We at GoVaughn.com Insurance highly recommend this book by Jack Hungelmann, an Auto-Owners Insurance Company agent in Minnesota.

Do you think you are paying too much for auto insurance?  Get a comparative rate quote live from us now!

What is your biggest insurance question?

With the seasons changing, there will be a lot of wedding plans in the air. Most couples will be renting a reception venue.

When you pick out your reception venue, make sure you read the contract carefully before signing. You may be responsible for providing the liability insurance.

Your homeowners’ policy may or may not extend the coverage.  You will need to talk with your insurance agent.

A Special Events Liability Insurance Policy is recommended to protect you, should a liability-related accident occur at the reception, resulting in bodily injury or property damage.

Liability limits up to $1,000,000 are available. Liquor liability can be included if alcohol is being served at the reception. Liquor liability can be purchased at a separate limit.

You will spend a lot of time and money on your Wedding Day. Ensuring you have your event covered, will be one less thing to worry about.

Quote | Purchase Wedding Insurance
Quote | Purchase Private Events Insurance
Wedding Insurance from Travelers |  Peace of Mind for your Special Day | Brochure
Consultation Form Complete and return to our agency

Additional Information about Wedding Insurance

Wedding insurance, also known as wedding cancellation insurance or special event insurance, is a type of insurance policy that provides financial protection and coverage for various unforeseen circumstances or events that could disrupt or cancel a wedding. It helps couples and their families safeguard their investment in the wedding and mitigate potential financial losses if something goes wrong. Here are some key aspects of wedding insurance:

1. Coverage Types:
– **Cancellation or Postponement**: This coverage protects you if you need to cancel or postpone your wedding due to unexpected events such as illness, injury, or death of a key person, extreme weather, venue closure, or other unforeseen circumstances.
– **Vendor Issues**: If any of your wedding vendors (e.g., photographer, caterer, florist) fail to fulfill their contractual obligations, wedding insurance can help cover the additional expenses to find replacement services.
– **Damage or Loss**: Coverage for damage, theft, or loss of wedding attire, gifts, or personal property during the event.
– **Liability**: Protection in case of accidents or injuries that occur during the wedding, such as slips and falls or property damage caused by you or your guests.

2. Costs Covered:
– Wedding insurance can cover various costs associated with the event, including deposits, non-refundable expenses, and additional expenses incurred due to unforeseen circumstances.

3. Policy Limits and Deductibles:
– Policies typically have coverage limits and deductibles, varying depending on the insurance provider and your chosen policy. Be sure to review these carefully and select the coverage that suits your needs.

4. Exclusions:
– Wedding insurance usually excludes coverage for events that are within your control or foreseeable, such as a change of heart, pre-existing medical conditions, or events related to war and terrorism.

5. Coverage Period:
– Most policies cover events on the wedding day, but some may offer extended coverage for events like rehearsal dinners or other pre-wedding gatherings.

6. Cost of Wedding Insurance:
– The cost of wedding insurance varies depending on factors such as the coverage amount, location, number of guests, and the insurance provider. On average, policies can range from a few hundred to a thousand dollars.

7. Obtaining Wedding Insurance:
– You can purchase wedding insurance from specialized event insurance providers and some traditional insurance companies. It’s advisable to shop around and compare policies to find the one that best suits your needs and budget.

8. Timing:
– Purchasing wedding insurance is recommended when you start making deposits and payments for wedding-related expenses. This way, you are covered if an unforeseen event occurs during the planning process.

9. Claim Process:
– In the event of a covered incident, you’ll need to contact your insurance provider and provide documentation to support your claim, such as receipts, contracts, and medical reports.

Wedding insurance can offer peace of mind by helping you mitigate the financial risks of your wedding. However, it’s essential to carefully read and understand the policy terms and conditions, including any exclusions and limitations, before purchasing a policy. Additionally, you should consult an insurance professional to ensure you have the right coverage for your wedding circumstances.

Original Post 4.23.2009 

We can give you a live quote if you live in Kentucky or Indiana.

Give it a try!  We promise you a rate within 5 minutes.

It’s easy and only four screens and get a quote with several different carriers:  Auto-Owners, Safeco, Travelers, and Progressive. 

Give online quoting a try NOW! 

Let us know about your experience using the Online Consumer Rate quote!

Stop right now. Open your wallet. Check the expiration date on your driver’s license. This 5-second task could save you unnecessary fines, penalties, and hassles. Your driver’s license must be renewed every four years, and Kentucky no longer mails written notification reminders.

A true personal story follows. Recently, upon presenting my driver’s license at an airport security checkpoint, I was informed it had expired. A bit of panic briefly ensued, and then the friendly TSA agent said, “it’s happening more and more frequently these days since the state of Kentucky has stopped issuing reminder notices,” He graciously allowed me to continue my journey. I can’t report that I had as much success at the rental car kiosk in my destination city. The process abruptly ended when it came time to present a valid license to complete the paperwork. Thankfully, I was traveling with a companion with a current license, and we were quickly on our way.

So, have notification policies changed in the state?

Here’s the answer. The State of Kentucky recently announced it would no longer send out a card telling drivers it is time to renew their licenses.

Nearly one million Kentucky drivers receive reminder cards each year. However, state officials say that courtesy comes with a cost. Officials have stopped sending those cards to build the state’s road fund.

“This was one way that we can make sure by eliminating the expense of sending out these reminder cards, any cost savings can now be stewarded toward that road fund which we know goes toward building those bridges and roads,” said Naitore Djigbenou from the Kentucky Transportation Cabinet.

Officials say the state will save about $250,000 annually by not sending the reminder cards. However, the Letcher County Circuit Court Clerk worries that people will not remember to renew their licenses, which will cause them problems.

“If you let it go for over a year, you must take the written test. If it goes for another period, you must start all over. So, it’s perfect not to let them expire,” Margaret Nichols said.

They hope to offer a digital reminder via text or email. In the meantime, set yourself a personal reminder to check your driver’s license annually on your birthday to avoid added fees, penalties, and unnecessary embarrassment as you travel the highways and friendly skies.

Original post-October 17, 2017

A typical home insurance policy does not cover damage originating from earth movement, settling, shrinking, bulging, or soil expansion, including the resultant cracking of pavements, patios, foundations, walls, floors, roofs, or ceilings.

The Kentucky Mine Subsidence Insurance Fund (KMSIF), administered by the Kentucky Department of Insurance, exists to pay claims for structural damage caused by mine subsidence in the following counties:  Bell, Boyd, Breathitt, Butler, Carter, Christian, Clay, Daviess, Edmonson, Elliott, Floyd, Greenup, Hancock, Harlan, Henderson, Hopkins, Jackson, Johnson, Knott, Knox, Laurel, Lawrence, Lee, Leslie, Letcher, Martin, McCreary, McLean, Morgan, Muhlenberg, Ohio, Owsley, Perry, Union, Webster, Whitley, and Wolfe.

In 2010, the Kentucky legislature changed the reinsurance limits provided by the KMSIF.  The reinsurance limits for damages to structures due to mine subsidence increased from $100,000 to $300,000 for property policies located in the eligible counties with a policy effective date on or after July 15, 2010.

This link provides more information about the Kentucky Mine Map System underground mines in Kentucky.  Here is the link for the underground mines in Indiana: Indiana Mine Map System.

To contact the KMSIF, their address and phone number are:

Kentucky Mine Subsidence Insurance Fund
P.O. Box 517
Frankfort, KY 40602-0517
502-564-6083 or toll-free 800-595-6053
The TDD line for the deaf or hearing-impaired is 800-648-6053.

Indiana Mine Subsidence Insurance Fund

To reject or add coverage to your policy, please complete Mine Subsidence Acceptance and or rejection form and return the form to our office.

Do you have mine subsidence coverage on your home insurance policy?

Is the property within 5 miles of their fire department?

If you answer yes to both of these questions, you need to contact your insurance agent and verify the fire department rating. You might need to request a change on your property insurance effective July 1, 2020. Please note that some companies can only change this at your next renewal after the July 1, 2020 date.

Robards Community Fire Department was rated a split class PPC (Public Protection Class) 6/6x. If you were within 5 miles of their station and had a fire hydrant within 1,000 feet of your property, you were rated a PPC 6. If you were within 5 miles of the station, but did not have a fire hydrant within 1,000 feet of your property, you were rated a PPC 6x, similar to a PPC 9. With the new rating any property within 5 miles of the station will qualify for the PPC 6 rating.

We here at Vaughn Insurance are working to change all of our current policyholders that qualify effective July 1, 2020 if possible.

We would love to hear how this change has helped you lower your property insurance premium.

Click here for the Official Letter from ISO.

Let us know if you find this information useful. Contact us!

Is this property within 5 miles of the fire department?

If you can answer yes to both of these questions, you need to contact your insurance agent and request a change on your property insurance effective July 1, 2020. Please note that some companies can only change this at your next renewal after July 1, 2020 date.

We here at Vaughn Insurance are working to change all of our current policyholders that qualify effective July 1, 2020 if possible.

Spottsville Fire Dept was rated a PPC (Public Protection Class) 9 if you were within 5 miles of the station. With this change effective July 1, 2020, anyone that lives within 5 miles of the station will now be eligible for a PPC 5 rate that should lower your property insurance. Anything over 5 miles would still be rated a PPC 10 rate.

We would love to hear how this change has helped you lower your property insurance premium.

Click here for the official Letter from ISO.

Let us know if you fine this information useful. Contact us!

Is this property within 5 miles of their fire department?

If you answer yes to both of these questions, you need to contact your insurance agent and request a change on your property insurance effective July 1, 2020. Please note that some companies can only change this at your next renewal after the July 1, 2020 date.

We here at Vaughn Insurance are working to change all of our current policyholders that qualify effective July 1, 2020 if possible. 

Smith Mills Volunteer Fire Department was rated a PPC (Public Protection Class) 9/10.  If you were within 5 miles, you would have received a PPC 9 rate.  If you were over 5 miles, you would receive a PPC 10 rate.

With this rate change effective July 1st, 2020, anyone that lives within 5 miles of the fire station and has a fire hydrant within 1,000 feet will qualify for a PPC 6 rate that should lower your property insurance premium. If you are within 5 miles, but do not have a fire hydrant within 1,000 feet you will receive a PPC 6x rate, which is similar to the current PPC 9 rate. Anything over 5 miles will still be rated a PPC 10 rate.

We would love to hear how this change has helped you lower your insurance premium.

Let us know if you find this information useful. Contact Us!

Click here for the Official Letter from ISO.

Verify that you have a licensed electrician for your state to do your repair work. The utility company may not hook up your service if you don’t use a state-approved licensed electrician. So you may end up paying twice.

See our List of Electricians, Tree Trimmers, Contractors, and Roofers

This list is not an endorsement, simply a list to assist homeowners in a time of need. If you want to be added or removed from our list, please contact us.

If you feel you have been a victim of price gouging, contact:
Office of the Kentucky Attorney General
Office of Consumer Protection
1024 Capital Center Drive, Suite 200
Frankfort, KY 40601
phone 502.696.5389
fax 502.573.8317