State Farm® Insurance Agent Scott Sutton

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 we can make sure that you are not financially ruined 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:

• Medial related expenses from injuries incurred during an car accident.

• Lost income due to time that you were unable to work.

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.

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.

Cities that make up Northern Kentucky include:

• 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