Personal Insurance

Home owners

Your home is both a valuable asset and the center of your life.  That’s why it’s so important to cover every risk with homeowners insurance. The right policy will take care of the small and large risks related to owning a house at the same time.

For example, a devastating fire could result in not just the total loss of your home, but financial ruin. Without adequate home insurance you could be left with no way to pay off the balance of the mortgage. Of course, homeowners insurance may also protect you from more common house-related incidents like burst pipes, burglary of personal property, and much more.

Mobile Home

You’d be forgiven for thinking a mobile home is less in need of insurance than a traditional house or apartment, but sadly that’s not the case.

For example, the construction style means it could be at more risk of serious damage from fire or natural disasters. Another difference is that a smaller home means there’s more risk of the entire property—and all your possessions—being destroyed in such an incident, rather than the damage being restricted to part of the home.

The good news is that not only can you get specialty mobile home insurance, but it can often be specifically tailored to the model and design of your home. You can also usually get optional extras that cover risks such as damage while moving the home.

Renters

If you live in a rented house or an apartment, renters insurance provides important coverage for both you and your possessions.

In case your house or apartment is broken into, destroyed by a fire, or perhaps a friend gets injured at your home, renters insurance provides financial protection for you and your family. It pays for the repair and replacement of lost items as well as any liability issues you may be responsible for.

Automobile

It’s important to understand what your coverage options are, not just for your car, but for you, and people who may be injured as a result of your negligence.

Having adequate car insurance limits is serious business.

If you were ever involved in an accident, and found to be at-fault for someone else’s bodily injuries, you could literally lose everything if you’re not properly insured.

What a lot of people don’t realize is, having great coverage doesn’t necessarily mean having higher insurance premiums. Because Keller Insurance Agency is 100% independent, we can take your current coverages and compare them with a wide range of insurance providers to see who offers you the best deal possible.

Motorcycle

The absolute minimum coverage you’ll need when it comes to motorcycle insurance is liability insurance, which covers costs you have to pay to other people after an accident that’s your fault–including their medical bills and repairing or replacing their vehicle.

Motorcycle collision coverage will pay out to repair or replace your bike after a crash, even if it’s deemed your fault. Meanwhile, comprehensive coverage adds in coverage for your bike being stolen, vandalized or damaged by fire.

Recreational Vehicles

At first glance you might think covering a recreational vehicle (or RV) is just like getting ordinary auto insurance, but the freedom of the motorhome lifestyle brings a few extra potential headaches that make this specialized policy worthwhile.

RV insurance will often also include enhanced coverage for your personal possessions, meaning you can relax when taking those extra creature comforts and gadgets on a motorhome trip. Additionally, make sure to look for a camper insurance policy that covers theft as well as damage in a collision or fire.

Boat

Getting out on the water should be carefree, but owning and running a boat brings several financial risks. Watercraft insurance means you can stop worrying about those risks and get back to relaxing on your boat.

Boat insurance (or watercraft insurance) policies usually have two standard elements, with two optional extras that are worth considering. One standard feature is insurance coverage for physical damage to the boat, whether that be from a collision, fire, severe weather, theft or vandalism. The other standard feature in a boat insurance policy is liability, meaning you’re covered for damage you cause to other boats or people, along with the associated legal costs. Look for insurance policies that cover the costs of cleaning up any oil spillages if your boat is severely damaged, as well.

Valuable Property

Most homeowners insurance or renters insurance policies have a limit on how much they will pay for any single item. While this is fine for most possessions, it can mean you won’t get the full amount for expensive items such as jewelry or artwork. That’s where valuable possessions insurance comes in.

A valuable possessions insurance policy has other benefits, in addition to making sure you are adequately covered. For example, you can get coverage based on the actual replacement value of the item that you are insuring rather than a generic market price. It’s well worth getting regular valuations and keeping your policy up-to-date to reflect these figures.