If you have had your auto insurance with the same insurance carrier for a number of years and have not updated your liability limits, your policy may leave you without adequate coverage. The rising costs of new vehicles, the cost of vehicle repairs, and increasing medical costs are some factors to consider when determining your limits of liability.
How much would you save if you increased your comprehensive and collision deductibles? In some cases, the premium change is very minimal.
Call us today for a review of your policy coverage’s.
Determining Coverage for Homeowners Insurance
Your home may be the biggest investment you will ever make. To make sure that investment is protected, your home should be insured for the cost to rebuild it. To determine the appropriate amount of homeowner’s insurance coverage you require, request a replacement cost estimate from your insurance agency. Once the replacement cost is calculated, the dwelling coverage is determined. From that point, we can tailor a homeowner’s insurance policy with features that meet your unique circumstances to protect your investment.
Market Value vs. Replacement Cost Market Value is the amount a buyer could pay for a home, including the land, regardless of the cost to repair or replace the home. For the purpose of home insurance, replacement cost is the building cost necessary to repair or replace the entire home. Replacement cost, in most cases, will be greater than the market value of a home. As your home ages, the difference between replacement cost and market value grows.
We protect our home and cars with insurance, but we often forget to insure the income and/or persons that provide the lifestyle to afford that home or those cars. Kiesewetter Insurance can help you build a comprehensive health, disability, and/or life programs that meet your needs. There are plans to protect against the unexpected including: a sick family member, loss of income due to an accident, or a family member passing away unexpectedly.
Do you like trail riding on a 4-wheeler or dirt bike? In most cases, your homeowner’s insurance policy does not protect your all-terrain vehicles (ATV) or the damage they can cause, but there are recreational vehicle policies that do provide this important protection. Enjoy the great outdoors, worry free, knowing your family is protected should something unforeseen happen.
Do you enjoy taking your travel trailer or motor home and traveling across the country or just parking it for the weekend at an area campground? You can usually put these recreational vehicles on your auto insurance policy and be adequately protected. However, if you do extensive traveling or own the land where your recreational vehicles are parked, you may need more extensive protection than your auto policy is able to provide.Leave your worries on the shore and enjoy being on the water! Fishing, cruising, waterskiing, or just anchoring, we can provide a variety of coverage options that can protect your boat, personal watercraft, trailer, and equipment, as well as yourself. Protect your boat and passengers with boat insurance.
An umbrella policy provides liability coverage over and above your existing automobile and homeowner’s liability limits. Most umbrella policies provide broader coverage than is afforded under your automobile and homeowners policies.
The cost of a $1,000,000 umbrella is usually less than $15.00 per month for a two vehicle, one home family. Higher limits are available for slightly higher monthly premiums.
Whether you are the weekend warrior or a diehard motorcycle fanatic, we can mold a motorcycle policy to meet the needs of the cross-country biker or the off-road enthusiast.
When it comes to automobile insurance, not all insurance policies are created equal. Antique and classic cars need specialized insurance to protect the sentimental and real values of your pride and joy.
Anywhere it rains, it can flood. Just a few inches of water from a flood can cause tens of thousands of dollars in damage. Your homeowner’s insurance policy does not cover damage caused by a flood. Flood insurance is the best way to protect yourself from devastating financial loss.
Not everyone that farms calls farming his or her main occupation. We can help provide protection for the family that farm as supplemental income and we may be able to provide protection for your home and farm under one policy. We can also provide a special policy for your animals that have exceptional value.