Independent Insurance Agency in New Albany, Indiana
Applegate Pulliam Insurance Group writes home, car and business insurance on both sides of the river, and every quote comes with an audit of what you have now.
Both sides of the river
Our office is at 222 Pearl St, a few minutes from the Sherman Minton. We're licensed in Indiana and Kentucky, and 40% of what we write comes from Louisville.
Live in Kentucky? See car insurance in Louisville.
What the state minimum covers
25/50/25 is the legal minimum in Indiana and Kentucky. We still find families with a $1,000,000 home driving on this much liability:
Two agents, 36 companies
You get a quote back in about 24 hours, usually sooner. Most people who switch to us save at least $500 a year, and you always reach a person.
If you can lose it or get sued for it, we can probably cover it.
Home, cars, rentals, recovery homes, trades and storefronts, on both sides of the river. Tap a town on the map to see what we write there.
See what we coverInsurance for Southern Indiana and Louisville
We insure the house, two cars, work truck, rental, recovery home, storefront, teen driver
- 01Car insuranceLiability checked against what you own
- 02Home insuranceReplacement cost, water backup, liability
- 03Louisville car insuranceLicensed in Kentucky, 40% of our book
- 04Contractor insuranceGeneral liability, tools, trucks, comp
- 05Landlord insuranceRentals written as rentals
- 06Sober living homesWith companies that want recovery homes
- 07Small businessShops, offices, restaurants, buildings
Run your own coverage audit
25/50/25 is the legal minimum in Indiana and Kentucky. Slide in what you own and see how much of it the minimum leaves out.
A starting point, not a quote. Chase or Charlie sets your limits with you, and it costs nothing to ask.
What a lawsuit after one bad wreck can reach
$600,000
- State minimum pays
- $25,000 per person
- Left exposed
- $575,000
- Where we'd start
- 250/500/100 plus a $1M umbrella
What an audit changes
Drag across the page. On the left, the pattern we find most: a $1,000,000 home behind $25,000 of liability. On the right, the same household after we read the policy.
Send us your declarations page| Coverage | As written | After our audit |
|---|---|---|
| Bodily injury liability | $25K / $50K | $250K / $500K |
| Property damage | $25K | $100K |
| Uninsured motorist | Rejected | $250K / $500K |
| Umbrella | None | $1M |
| Home it has to protect | $1M | $1M |
Why an independent agency
A one-company agent can only sell that company. When its rates jump, your choice is to pay it or start over somewhere else. We're appointed with 36 companies, so when one stops fitting, we move you and you keep the same two agents.
See all 36 companies| What you get | One-company agent | Applegate Pulliam |
|---|---|---|
| Companies quoted | One | 36 |
| When your rates jump | Pay it or start over | We move you, same agents |
| Coverage audit with every quote | No | Yes |
| Licensed in Indiana and Kentucky | Varies | Yes |
| Quote by text | Varies | VINs and license numbers |
| After a claim | A call center | A call from us in 24 to 48 hours |
Two agents who answer the phone
Clients who switch to us usually say the same thing: they never heard from their old agent. With us they get two. When you file a claim, we call you within 24 to 48 hours.
Chase Applegate
Co-owner · 15+ years in insurance
Much of it in large commercial. He takes the hard risks: contractors, recovery homes, the policies that need someone to read the fine print.
(502) 377-1777Charlie Pulliam
Co-owner · client service
The new car, the claim, the question at 4:55 on a Friday. He talks to clients the way he talks to his own family, plainly.
(502) 641-7700Rather text? Send a photo of your declarations page to (502) 377-1777.
Questions about Applegate Pulliam Insurance Group
- What is an independent insurance agency?
- An independent agency is not tied to one insurance company. We are appointed with 36 companies, so we quote the ones that fit you instead of selling one brand. If a company changes its rates, we can move you without you changing agents.
- Where is Applegate Pulliam Insurance Group?
- Our office is at 222 Pearl St #103, New Albany, IN 47150, in downtown New Albany. We are licensed in Indiana and Kentucky and work with clients across Southern Indiana and Louisville: New Albany, Floyds Knobs, Jeffersonville, Clarksville, Georgetown and Louisville.
- How fast can I get a quote?
- Usually within 24 hours, often the same day. For car insurance you can text us your VINs and driver's license numbers and we can have it bound in about an hour.
- Is 25/50/25 enough car insurance?
- It is the legal minimum in both Indiana and Kentucky: $25,000 per person, $50,000 per accident for injuries, $25,000 for property damage. Kentucky also requires $10,000 of personal injury protection. If you own a home or have savings, the minimum is usually not enough. One serious accident can cost more than that, and the rest can come after what you own. We show you what higher limits cost before you decide.
- What is the coverage audit?
- It comes with every quote. We look at what you have now, tell you what you're missing and what it costs to fix, and you decide.