March 18, 2021

Skinny On Home Insurance with David Thornton of Greater Lexington Insurance

46 minutes

Whether performing home improvement tasks yourself or hiring someone, it’s important to have the right insurance coverage. But what you’ll need, how much you’ll need, and when you’ll need it varies by situation. And it can be somewhat confusing and overwhelming for homeowners.

In this episode, Jimmy “Skinny” McKinney of J&R Construction Services, Inc., asks David Thornton, President of Greater Lexington Insurance several questions about homeowners insurance. What kind of coverage do you need when doing home renovations? Repairs? Having contractors at your home? They discuss it all so you can have peace of mind during all your home improvement projects.

Listen to learn about:

Meet David Thornton and Greater Lexington Insurance. (Time stamp: 02:13)

Do home improvement sole proprietorships have to carry worker’s compensation insurance? (Time stamp: 04:41)

What happens if the plumber, for instance, gets hurt working in my house? (Time stamp: 06:09)

Why having even a simple written contract can help protect you as a homeowner. (Time stamp: 07:31)

If an accident or poor workmanship results in damages, what will my homeowners cover? (Time stamp: 10:23)

The differences between being a certificate holder or insurance sharer, and the benefits of each. (Time stamp: 11:43)

What can a homeowner do if a contractor only carries a small amount of insurance? (Time stamp: 16:22)

Contractor myths and fears about insurance. (Time stamp: 19:17)

What about theft from my home? (Time stamp: 20:54)

How does homeowners cover large, ongoing projects that take longer and increase home value? (Time stamp: 24:33)

Who is liable for accidents while a structure, such as an addition, is still being built? (Time stamp: 28:18)

Is there coverage for building materials? (Time stamp: 30:53)

How often should homeowners review their policy with their insurance agent? (Time stamp: 37:32)

What about vehicle coverage in regards to home improvement projects? (Time stamp: 39:29)

Guest Bonus Round: Fun with David! (Time stamp 42:18)

Do you match your socks? (Time stamp: 42:31)

Ice cream or chocolate bar? (Time stamp: 42:48)

Puppies or kittens? (Time stamp: 43:13)

Hot humid day, sunny or 70 degrees spring day, raining? (Time stamp: 43:28)

Snowing; stay inside or go outside? (Time stamp: 43:37)

Mustard or ketchup? (Time stamp: 43:57)

Favorite book or recent book you read, other than the Bible? (Time stamp: 44:02)

If you weren’t doing your current career, what would you be and why? (Time stamp: 45:03)

Thanks once again to David Thornton of Greater Lexington Insurance for sharing his expertise. From understanding what to cover, to the proper amount of coverage, steering you in the right direction is their speciality. You can trust Greater Lexington Insurance to provide exceptional customer care, accurate advice, and top notch coverage.

As always, I’m very grateful to 84 Lumber of the Lexington, KY area for supporting Skinny On The Home. With spring here, their massive inventory is freshly stocked with supplies for those spring projects. Add that to their knowledgeable staff, and 84 Lumber is your one-stop place for almost everything home improvement.

Skinny On The Home is a live call-in radio show, airing every Thursday morning at 11:00 a.m. on Lifechanging Radio, WJMM, in Central Kentucky. Every week, Skinny shares both the latest trends and designs along with the tried and true tips, techniques and tools you need to make your remodel a success.

Listen to past podcast episodes of Skinny On The Home on Podbean, Spotify and Apple Podcasts!