Our mission at Scott Sutton State Farm is to empower people to define, protect, and plan for what is most important. We are located in the heart of Northern Kentucky in the city of Erlanger. We service all of Kentucky, Ohio, and Indiana.
Shopping for Car Insurance
Choosing the right car insurance company can be one of the most important decisions you'll ever make. By having State Farm insurance from Scott Sutton State Farm you are insured with America's largest insurance company for Home and Auto Insurance. With the right insurance policy coverage we can make sure that you are not financially hurt if something happens to your, your car, or your home. Let's review some common terms when discussing car insurance:
Deductible: This is the amount you pay out-of-pocket should you have an accident and file a claim. Let's say you hit a light pole in a parking lot with your car and cause $2,000 worth of damage. If your deductible is $500, State Farm would pay $1,500 towards the cost of repairing your car.
Coverage Limits: When purchasing car insurance you want to make sure your coverage limits are right for your insurance needs. This is the limit that State Farm will pay out to others for damage to their property or for their injuries. Let’s say that you crash into someone else’s car and cause $30,000 of damage and your limits are only $25,000, you’ll be responsible for the remaining $5,000. If the accident is very serious, having the wrong coverage limits could cost you greatly.
Claims: State Farm is known for having a great claims experience. I personally feel this is our time to shine and show the customer the value that they are getting from insuring with Scott Sutton State Farm. Contact us immediately if you think you might have a claim and we can recommend vendors and review the process with you.
Read below about our different types of polices or you can call us to learn more.
Kentucky Auto Insurance
To be able to register your car in Kentucky it is required by the Commonwealth that a driver has at least a minimum level of insurance coverages. The car insurance coverage types fall under liability limits:
Bodily Injury to Others: $25,000 per person and a total of $50,000 per accident
Property Damage Liability: $10,000 per accident
While the state minimum car insurance coverage can make you street legal in may not be enough to cover you in an accident. Getting the lowest amount of car insurance for the lowest cost may hurt you in the long run if you cause a car accident. Contact Scott Sutton’s team to discuss proper car insurance coverages for you and your family.
Should you be hurt in a car accident the coverage known as PIP or Personal Injury Protect will cover your medical expenses and other related expenses due to the accident. The minimum amount of PIP coverage in Kentucky is $10,000 per person and will cover:
Why Car Insurance is Important
Having car insurance is a crucial aspect of responsible vehicle ownership and is often mandated by law in most regions. The importance of car insurance can be understood through several key factors, including financial protection, legal compliance, and the safeguarding of personal assets.
Financial Protection
One of the primary reasons to have car insurance is financial protection. Car accidents can result in significant expenses, including medical bills, vehicle repairs, and property damage. Without insurance, drivers would be responsible for covering these costs out of pocket, which can be financially devastating. For instance, the average cost of a car accident can easily reach thousands of dollars, depending on the severity of the incident. Insurance provides a safety net that can mitigate these costs, allowing individuals to recover from accidents without depleting their savings or incurring debt.
Legal Compliance
In many jurisdictions, carrying car insurance is not just a good idea—it's a legal requirement. Most states require drivers to have a minimum level of liability insurance, which covers damages to other people and their property in the event of an accident. Driving without insurance can lead to severe penalties, including fines, license suspension, and even legal action. By maintaining proper coverage, drivers ensure they remain compliant with the law, avoiding the risks associated with driving uninsured.
Protection Against Unforeseen Events
Life is unpredictable, and car insurance serves as a buffer against unforeseen events. Whether it’s a sudden illness that prevents you from working, an accident caused by an uninsured driver, or damage caused by the unforeseen event, having car insurance can help you navigate these challenges. For example, if your vehicle is stolen, comprehensive coverage will help you recover the value of your car. This type of protection is invaluable, as it can prevent you from facing significant financial hardship due to events beyond your control.
Coverage for Medical Expenses
In the unfortunate event of an accident, medical expenses can skyrocket. Car insurance can provide coverage for medical bills resulting from injuries sustained in an accident, whether for the driver, passengers, or even pedestrians involved. This coverage can be especially critical, as medical costs can be overwhelming and may not be covered by health insurance. Having adequate car insurance ensures that you and your loved ones receive the necessary medical care without the burden of excessive out-of-pocket expenses.
Asset Protection
For many individuals, a vehicle is one of the most significant assets they own. In the event of a severe accident, the costs associated with damages can far exceed the value of the car. Liability coverage protects you from having to pay out-of-pocket for damages to other vehicles or property. Additionally, if you are sued due to an accident, your insurance can cover legal fees, protecting your assets from being seized in a legal judgment.
Conclusion
In summary, having car insurance is essential for numerous reasons. It provides financial protection against the high costs associated with accidents, and ensures compliance with legal requirements. Moreover, it safeguards against unforeseen events and covers medical expenses, while also protecting personal assets. In an unpredictable world, car insurance serves as a critical safety net, allowing individuals to drive with confidence and security. Investing in the right car insurance policy is not just a smart decision; it’s a necessary one for all vehicle owners.
Discounts for Car Insurance
State Farm offers a variety of discounts for auto insurance that can help policyholders save significantly on their costs. One of the most notable discounts is the Multi-Policy Discount, where customers can save by bundling their auto insurance with other types of insurance, such as home or renters insurance.
Another valuable option is the Safe Driver Discount. This is available to drivers who maintain a clean driving record without accidents or violations for a specific period. For those who are proactive about their driving habits, State Farm also provides a Drive Safe & Save program, where customers can receive discounts based on their driving behavior tracked through a mobile app.
Furthermore, students can benefit from the Good Student Discount, aimed at young drivers who maintain a GPA of 3.0 or higher. State Farm also offers a Vehicle Safety Features Discount for cars equipped with advanced safety technologies, such as anti-lock brakes and airbags.
Additionally, there are discounts for drivers who complete approved defensive driving courses. Overall, State Farm’s diverse array of discounts helps customers find the right insurance coverage while maximizing savings, making it an attractive option for many drivers.
Kentucky Homeowner’s Insurance
State Farm Homeowner’s Insurance is a top favorite for many Kentucky residents. A person’s home is one of their most valuable possessions. Contact State Farm Agent Scott Sutton to review additional details about homeowner’s insurance policy coverages. Our team of licensed insurance professionals will review your home and personalize your policy to suite your needs.
Homeowners insurance covers your home and its contents against theft, fire, weather damage and other covered losses. See below for the most common coverages with homeowners insurance:
Dwelling – This helps protect your home’s actual structure, appliances that are built in and other items like wall-to-wall carpet and hardwood floors.
Personal Property – With personal property protection items that are not attached or built in are covered. This includes furniture, televisions, beds and clothing.
Personal Liability – Should something happen in your home that causes damage to something or physical harm to someone, personal liability would help protect you.
Medical Payments to Others – Should someone be injured on your property this insurance coverage found in your homeowner’s policy can help cover medical or funeral expenses.
Other Structures – Sheds, fences, barns, gazebos, detached garages and other items not attached to your home would be covered with other structures.
Loss of Use – With type coverage found within your homeowner’s policy would help pay for living expenses if you were unable to live in your home due to a loss covered by your policy.
Kentucky Life Insurance
Your family is your important to you and you want to be able to protect them now an in the future. Protecting your loved ones with a life insurance policy from State Farm is a great way to insure that they can maintain their standard of living after you pass away.
Why should I buy life insurance? - There are two main reasons people buy life insurance. They are they owe a debt or they want to take care of someone they love. Life insurance can be used to payoff debts that include loans for homes, loans for cars, and personal debts. By purchasing a life insurance policy you can ensure your loved ones can maintain their standard of living after you pass away.
Should I buy life insurance now or when I get older? – Those who are younger and healthier are less risky to insure with life insurance and thus have a lower cost. If you wait to buy life insurance until they are older may find that the cost is higher than if they began a life insurance policy when they were younger. Contact Scott Sutton State Farm to discuss options and how they suit your needs.
What types of life insurance is most suitable for me? – There are two types of life insurance coverages with a common type being term life insurance. Term insurance comes in three different periods: 10 year term, 20 year term, and 30 year term. With term life insurance you are covered just for the term of the policy. Scott Sutton’s team can review which amount and term length is most optimal. For example you may use a 20 year term to cover the time up until a young child moves out in their early 20s.
How much life insurance should I own? – There are many factors that can be included when deciding how much life insurance to buy. Contact Scott Sutton State Farm to schedule a review of your needs and our life insurance offerings to find the most suitable fit.
Why Homeowner’s Insurance is Important
Homeowners insurance is an essential aspect of property ownership, and providing vital protection for homeowners. While many people view it as an added expense, the benefits far outweigh the costs, making it a critical investment. Here are several reasons why having homeowners insurance is important.
Financial Protection
One of the primary reasons to have homeowners insurance with State Farm is to protect your financial investment. A home is often the most significant purchase a person will make in their lifetime. Without insurance, homeowners face the risk of losing their property to unforeseen events such as fires, natural disasters, or theft. For instance, a house fire can lead to thousands of dollars in damages, including the cost to repair or rebuild. Homeowners insurance can cover these expenses, ensuring that you do not have to bear the financial burden alone.
Liability Protection
Homeowners insurance also includes liability coverage, which protects you in case someone is injured on your property. This coverage can help pay for medical expenses, legal fees, or settlements if you are found responsible for an injury. For example, if a guest slips and falls on your property, your homeowners insurance can cover their medical bills and any potential legal claims. This protection is invaluable, as liability lawsuits can result in substantial financial losses without adequate coverage.
Coverage
Having homeowners insurance offers coverage for homeowners. Knowing that you are protected against potential unforeseen events, allows you to focus on enjoying your home rather than worrying about what might happen. This sense of security extends beyond just the structure of the home; it also encompasses your belongings. Homeowners insurance typically covers personal property inside the home, including furniture, electronics, and clothing. In the event of theft or damage, you can rest assured that your belongings are protected.
Coverage for Temporary Living Expenses
In the unfortunate event that your home becomes uninhabitable due to a covered loss—such as a fire or significant water damage—homeowners insurance can help cover temporary living expenses. This includes costs for temporary housing, meals, and other necessary living expenses while repairs are made. The financial burden of finding alternative accommodations can be overwhelming, but having insurance alleviates this concern, ensuring that you can maintain a sense of normalcy during a challenging time.
Protecting Personal Assets
Homeowners insurance not only covers the structure of your home but also protects the personal assets within it. This includes electronics, appliances, jewelry, and other valuable possessions. Many policies offer replacement cost coverage, meaning that in the event of a loss, you can receive compensation to replace your items at their current value rather than their depreciated value. This ensures that you can recover losses without significant financial strain.
Conclusion
In summary, homeowners insurance is vital for anyone who owns property. It offers essential financial protection against various risks, including natural disasters, theft, and liability claims. The coverage that comes from knowing your home and belongings are safeguarded cannot be overstated. Additionally, coverage for temporary living expenses ensures that you can navigate unforeseen circumstances without undue financial stress. Ultimately, investing in homeowners insurance is not just a smart choice; it is a necessary step in responsible homeownership, providing security for both your property and your future.
Discounts on Homeowner’s Insurance
State Farm offers a range of discounts for homeowners insurance, helping policyholders save on their costs while ensuring comprehensive coverage. One of the most significant discounts is the Multi-Policy Discount, where customers can bundle their homeowners insurance with auto or other types of insurance, resulting in substantial savings.
Another key offering is the Claim-Free Discount. Homeowners who maintain a claim-free history for a specified period can enjoy reduced costs, reflecting their lower risk profile. Additionally, homes equipped with safety and security features—such as smoke detectors, burglar alarms, and deadbolt locks—may qualify for discounts, as these features mitigate potential risks.
State Farm also recognizes the importance of proactive maintenance with its Protective Device Discount, which rewards homeowners who invest in advanced safety devices, such as fire extinguishers and sprinkler systems.
For newer homes, the New Home Discount can provide savings for those who purchase properties built within the last few years, reflecting the modern construction standards that typically offer lower risk.
Overall, State Farm's diverse array of discounts empowers homeowners to not only protect their property but also to save money, making it an appealing option for many.
History of Erlanger, Kentucky
Erlanger, Kentucky, is a city with a rich history that dates back to the mid-19th century. Originally established as a small community in 1869, it was named after the German town of Erlangen, reflecting the influence of German immigrants in the area. The city began to grow significantly following the arrival of the railroad in the late 1800s, which facilitated trade and transportation, connecting Erlanger to larger metropolitan areas.
In 1904, Erlanger, Kentucky was officially incorporated, and its population began to swell as it attracted new residents seeking opportunities in the burgeoning industrial landscape. The city's strategic location near Cincinnati, Ohio, made it an appealing destination for families and businesses alike. By the early 20th century, Erlanger had developed a diverse economy, with manufacturing, retail, and service industries playing crucial roles.
Throughout the 20th century, Erlanger, Kentucky continued to grow and evolve. The post-World War II era saw a significant population boom, as returning veterans and their families sought housing and new opportunities. The city expanded its infrastructure, including schools, parks, and roadways, to accommodate its growing population.
In the latter half of the 20th century, Erlanger, Kentucky became known for its suburban charm while maintaining close ties to nearby urban centers. The establishment of local businesses and community organizations fostered a strong sense of community among residents.
Today, Erlanger, Kentucky is a thriving city with a rich historical heritage. It continues to blend its historical roots with modern development, making it an attractive place to live and work. The city’s commitment to preserving its history while embracing progress is evident in its vibrant community and diverse offerings.
History of State Farm
State Farm was founded in 1922 by George J. Mecherle, a retired farmer who aimed to provide affordable auto insurance for farmers. Initially established in Bloomington, Illinois, the company began as a mutual insurance provider, emphasizing customer service and community involvement. Mecherle’s vision was to create a company that would offer coverage at lower rates by focusing on the agricultural community.
Throughout the 1930s and 1940s, State Farm expanded its offerings beyond auto insurance, introducing homeowners insurance and establishing a network of agents to provide personalized service. The company’s emphasis on community ties helped it grow rapidly, especially during the post-World War II economic boom.
In the 1960s, State Farm launched its first television commercials, enhancing its brand visibility. The company continued to innovate, introducing new products and technologies, including the use of computerized underwriting in the 1980s.
By the 1990s and 2000s, State Farm solidified its position as one of the largest insurance providers in the United States, offering a wide range of services, including life insurance and financial products. Today, State Farm is recognized not only for its insurance services but also for its commitment to community support and disaster relief initiatives.
About Northern Kentucky
Northern Kentucky is one of the largest metropolitan areas in the Commonwealth of Kentucky. The counties that make up Northern Kentucky are Boone County, Kenton County, Campbell County, Braken County, Gallatin County, Grant County and Pendleton County. The most common abbreviation for Northern Kentucky is NKY. Upon completion of the John A. Roebling Suspension Bridge in the year of 1866 Northern Kentucky was connected by road to Cincinnati.
We provide insurance for all of the cities listed below, and more:
Alexandria
Bellevue
Bromley
Butler
California
Carrollton
Cold Spring
Corinth
Covington
Crescent Springs
Crestview Hills
Crittenden
Dayton
Dry Ridge
Edgewood
Elsmere
Erlanger
Fairview
Falmouth
Florence
Ft. Mitchell
Ft. Thomas
Ft. Wright
Ghent
Glencoe
Gratz
Highland Heights
Independence
Kenton Vale
Lakeside Park
Ludlow
Melbourne
Mentor
Monterey
Newport
Owenton
Park Hills
Prestonville
Ryland Heights
Sanders
Silver Grove
Southgate
Sparta
Taylor Mill
Union
Villa Hills
Walton
Warsaw
Wilder
Williamstown
Woodlawn
Worthville
