AAA Membership, Authorized Agent

AAA memberships make great gifts for family and friends. They give you peace-of-mind when your significant other or children are in a pinch on the road! And, not to leave out the discounts and programs for vacation packages, travel, lodging and retail atop that.  But, did you also know that AAA gives discounts on your auto, home and life insurance? AAA is a win-win-win!

Being an authorized AAA agent allows Michelle Ferrigno to provide you with both membership and AAA's top-notch insurance products.

Why Join AAA?

Wherever you go, whatever you do, your AAA membership card can save you more. AAA Members receive exclusive shopping, dining and entertainment savings at thousands of locations and even on the couch through AAA.com! AAA Members get discounts on automotive services, prescriptions, apparel and more through the Show Your Card & Save® partner program. Just look for the Show Your Card & Save® on your local merchant's door.  Not to leave off the superior road side assistance services!!   AAA Membership saves you time, money and worry with the following benefits:

• 24-hour roadside assistance
• Exclusive AAA member discounts & rewards
• Travel planning assistance
• Discounted passport photos
• Free TripTik® & Internet TripTik®routings
• Free Maps, TourBooks® & CampBooks®
• Worldwide vacation planning
• Cruises, tours & vacation packages with member discounts & perks

• Attraction tickets & movie tickets at special member prices

• AAA Insurance – Great rates for good drivers.  Auto, home, health, life insurance and more

• Discounts on your AAA Insurance 

• Approved Auto Repair & Approved Auto Body Repair

• AAA Driver Improvement and Young Driver Programs

• Mature Operators Course

• Auto Buying Program

Plans & Pricing

How To Join

Contact Michelle Ferrigno to discuss and order your membership today!  Membership is issued immediately with a credit or debit card payment.

Michelle Ferrigno, Insurance Agent
Cell: 502.643.4124
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Personal Insurance • Business Insurance • Group Benefits • Life Insurance • Health Insurance • Bonds • Association Programs • Networks for Real Estate, Mortgage & Financial

Personal Insurance Policy Options

Automobile  •  Homeowner  •  Condo-owner  •  Secondary, Seasonal and Rental Property  •  Landlord and Tenant/Renters •  Umbrella Excess  •  Boat/Watercraft  •  Motorcycle  •  ATV/Golf cart  •  Life  •  Scheduled Valuables  •  Health  •  Dental  •  Vision  

Being an independent insurance agent gives me an advantage that captive agents and direct writers can not provide to their clients- Options! Representation of 100+ personal, business, life and health carriers allows me to maintain a competitive price and comprehensive coverages. And, alternate solutions as your life needs change or should you wish to explore the markets.

Atop offering a full circle of services for all lines of insurance, bonding and wealth management, there is no need to piece together your insurance or financial portfolio through multiple direct writing or captive carriers.  We have it all under one roof!  See what I can do for you!

At Logan Lavelle Hunt we also have agency standards set in place.  Any agent can sell you a minimum premium insurance policy to give you the lowest premium. And though price is important, what good is insurance if you don't have good coverage?  It is of utmost importance that we set minimum recommendations for our policies to ensure there is coverage for as many perils that an insurance policy can cover.

It's easy to request your comprehensive policy review - just pick your starting point:

• Provide me a picture or scan of your policy page via:
• email to michelleferrigno@gmail.com
• text to 502-643-4124
• Request a time to chat for about 30 minutes to go over your info.

At minimum, I can review the coverages you currently have and make recommendations for you.

Michelle Ferrigno, Insurance Agent
Cell: 502.643.4124
Facebook | Email me

Personal Insurance • Business Insurance • Group Benefits • Life Insurance • Health Insurance • Bonds • Association Programs • Networks for Real Estate, Mortgage & Financial

Coverages Explained - Homeowners Special Personal Property Coverage HO-3 w/15 HO-5

Personal Property Coverage – What Are My Options?

Your home insurance policy includes coverage for your personal property. Big deal, you knew that. You probably even knew that you wanted to have “replacement cost coverage,” whatever that is. But what a lot of people don’t understand is that they have options as to what their personal property is covered against.

Each policy and each company is different, so you should always talk to your independent agent regarding your specific coverage, but essentially there are two options available for your personal property coverage.

The first is the coverage available on the standard HO-3 policy. With this coverage your personal property coverage is limited to the listed perils in the policy. If your loss is on that list you’re set, if not you have no coverage.

The second option is available with the HO-5 policy, or by adding the special personal property endorsement to your standard policy. This coverage expands your personal property coverage so that you are covered for anything that could happen EXCEPT a short list of exclusions. If you have a loss to your personal property you simply consult your policy, if the loss is not excluded you have coverage. Clearly this is the better coverage because there are fewer exclusions.

A few examples:

• Lets say you spill bleach or paint on your couch and it has to be replaced. If you had a standard un-endorsed home policy you would look at your policy and see that spilling bleach is not one of the listed perils, so you would have no coverage. If you had the HO-5 policy or the special personal property coverage endorsement you would look at your policy and see that spilling bleach is not excluded so you would have coverage!
• Lets say the power company sends a power surge through the lines and it fries your T.V. and stereo. If you had a standard un-endorsed home policy you would look at your policy and see that your electronics are not covered for that type of peril so you would have no coverage. If you had an HO-5 policy or the special personal property endorsement you would look at your policy and notice there is no exclusion for such an act, so you would have coverage!
• Let’s say you are carrying your brand new flat screen TV down the stairs and you drop it. If you have a standard policy you’ll see dropping is not a listed peril, so there’d be no coverage. If you had the special personal property endorsement or the HO-5 policy you would be covered.
• Let's say your kiddos just got a new Wii for Christmas and they forget when playing Just Dance to put that strap around their wrist.  And, oh no!  There goes the remote right through the $4,000 tv screen!  There is coverage on the HO-5, because there is no exclusion.

As you can see there is greater potential for an uncovered loss if you have a policy without the special personal property endorsement. The good news is that it’s easily remediated by calling your independent insurance agent.

Other endorsement coverages are also important for your homeowners policy.  Water sewer backup coverage, earthquake, replacement cost coverage and mold coverage are excluded and often overlooked when taking out a policy.  These types of coverages may be added on to a policy for an additional fee or in a bells and whistles type endorsement.

Also see what I can do for you, for a listing of all the lines of business and services I offer!

Michelle Ferrigno, Insurance Agent
502.643.4124  

michelle@louisvilleins.com

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Personal Insurance • Business Insurance • Group Benefits • Life Insurance • Health Insurance • Bonds • Association Programs • Networks for Real Estate, Mortgage & Financial