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Buying an Old Cadillac for Car Shows? You Need Classic Car Insurance

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Kerndt Brothers Insurance Agency knows that collecting classic cars offers both thrills and fear. After all, what happens if your collection gets damaged? Total loss is not an option! We can offer classic car insurance for vehicles like amazing Cadillac models.

Does Your Cadillac Qualify?

Your Caddie will qualify for classic car insurance if it is:

  • Over 25 years old (from the starting date of your policy coverage)
  • Stored in a safe garage and protected from dangerous elements
  • Worth a lot of money (we can help you gauge that)
  • Driven very little (low mileage, depending on the policy)
  • Owned by someone with a good driving record (that’s you)
  • Considered an alternative vehicle (i.e., not your primary car)
  • In pretty good condition and regularly maintained (you need proof)

Other vehicles covered include:

  • Street roads built before 1949 (modified)
  • Limited edition or collectible builds
  • Vintage vehicles between 1919 and 1930
  • Antique farm vehicles that are no longer built
  • Classic military vehicles (such as Jeeps)
  • Well-regarded motorbikes
  • Collector cars built before 1980

What Is Covered?

Classic car insurance offers multiple coverage levels for your Cadillac, including:

  • Liability protection (including damage or injuries you cause in a crash)
  • Comprehensive coverage (support for things beyond your initial policy)
  • Collision policies (i.e., paying to replace damage to your vehicle)
  • Guaranteed Value coverage (you get every cent of your vehicle’s value in a covered total loss)
  • Flexible usage (i.e., you can take it out for occasional drives if you’re safe)
  • Other options (medical payments, uninsured driver, spare part replacement, etc.)

Who Should You Call?

At Kerndt Brothers Insurance Agency, we offer well-respected service to Lansing, IA, and car collectors. Our classic vehicle policies provide high-quality protection at reasonable expenses. With our support, you can minimize potential dangers to your expensive collection.

Getting Your First Apartment? What to Know About Renters Insurance

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When you’re renting an apartment, renters insurance can help you recover after covered events occur. Renters insurance provides peace of mind if you’re in an apartment or a rental home.

The Kerndt Brothers Insurance Agency professionals in Lansing, IA, can help you find the best renters insurance policy for your needs. As independent insurance agents, we can shop around for the best deal.

What Is Renters Insurance?

Renters insurance is a type of insurance that will pay to repair or replace your belongings after a covered event. Renters insurance can also pay for your living accommodations if you must move out of your home while you’re recovering from a covered event.

For many people, having a renters insurance policy is a practical way to help ensure that they can weather various disasters, such as a fire or burglary.

Who Needs Renters Insurance?

Anyone who is renting a home or apartment can benefit from renters insurance. If you’re renting an apartment and considering whether you should get renters insurance, you can find out more about this helpful type of insurance by calling your insurance agent.

Your insurance agent can help you find a renter’s insurance policy that fits your budget.

What Are the Benefits of Renters Insurance?

There are many benefits of renters insurance.

  • It gives you peace of mind.
  • It helps you during the recovery when a covered event occurs.
  • Pays to repair or replace damaged or destroyed items after events like fire, lightning strike, and vandalism.
  • It pays for you to live somewhere else after a covered event.

Are you interested in finding a renters insurance policy for your new apartment or rental home? Contact Kerndt Brothers Insurance Agency servicing Lansing, IA.

What’s the Difference Between RV Insurance and Regular Auto Insurance?

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Owning an RV and a regular automobile offers two very different experiences. While your car may get you from point A to point B, your RV can take you on adventures or even serve as a home on wheels. But when it comes to protecting these vehicles, is there really a difference between RV insurance and regular auto insurance in Lansing, IA? Let’s break down the distinctions between these policies.

Similarities Between RV and Auto Insurance

When comparing RV and regular auto insurance, it’s important to understand the similarities between the two policies. Both insurances include basic liability, collision, and comprehensive coverage to protect against accidents, property damage, and non-collision incidents, such as natural disasters and theft.

In addition, both RVs and regular vehicles must meet state-mandated minimum insurance requirements for road use. This helps ensure that drivers are financially responsible in the event of an accident.

Key Differences in Coverage

The biggest difference between an RV and a regular vehicle is that RVs often double as living spaces, meaning they may require additional coverage. RV insurance often includes expanded liability coverage to protect against incidents that occur while the RV is parked at campgrounds or used as temporary housing.

In addition, RV insurance offers coverage to protect personal belongings stored in the RV, such as kitchenware, furniture, and electronics. This means that RV owners are adequately protected for both living and travel scenarios.

Contact Kerndt Brothers Insurance Agency

While RV insurance is similar to regular auto insurance, it provides coverage tailored to RV owners’ unique needs. Serving Lansing, IA, and the surrounding areas, Kerndt Brothers Insurance Agency offers comprehensive insurance solutions for those who need personalized auto coverage. Call today to get started.

Vital Safety Gear Every Motorcyclist Needs

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As a motorcyclist, carrying certain items for your safety while traveling is crucial.

1. Reflective Vest or Jacket

Wearing a reflective vest or jacket is essential, especially when riding at night. This ensures other drivers can see you, not just hear your bike approaching.

2. Protective Clothing

Beyond the reflective jacket, it’s important to wear a thick layer of clothing or a sturdy jacket under your vest for protection in case of an accident. Your lower body should also be safeguarded by wearing thick pants.

3. Protective Eyewear

During daytime rides, wear protective sunglasses or eyewear that shields your eyes from the sun and any flying debris. If you use an open-face helmet, clear eyewear is necessary for night driving.

4. Helmet

Whether you prefer a full-coverage or an open-faced helmet, always wear one, especially on long drives. Helmets can provide significant protection in the event of an accident, potentially preventing severe injuries.

5. Earplugs

While the roaring sound of your bike might be enjoyable, prolonged exposure to such noise and wind can damage your ears. Use earplugs to protect your eardrums and hearing, particularly on longer rides and commutes.

6. Gloves

Always wear gloves to protect your hands from weather damage regardless of season. Wind and sunburn can severely dry out your hands, leading to cracking. Gloves also provide protection in the event of an accident.

A comprehensive motorcycle insurance policy is the best safety gear for your motorcycle. If you live in the Lansing, IA, area, contact us at Kerndt Brothers Insurance Agency today for a personalized quote.

Risks of not having proper boat/watercraft insurance

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Boat and watercraft insurance is not required by law in Iowa, which leads many owners to forego it. However, not having a boat or watercraft insurance policy can pose significant risks. This blog post will discuss the potential risks you may face if you decide not to purchase boat or watercraft insurance.

Risks of Not Having Boat/Watercraft Insurance

  • Damage to your vessel. Accidents can happen unexpectedly. If your boat or watercraft is damaged in an accident, you will have to cover all the repair expenses yourself.
  • Medical expenses. Without a proper insurance policy, you and your passengers will not be covered for medical costs in case of an accident and injuries.
  • Vandalism and theft risks. Theft and vandalism are unfortunately common. If your vessel is vandalized or stolen, your boat/watercraft insurance will cover your loss. However, without a policy, you could lose thousands of dollars.
  • Liability risks. If an accident occurs and you cause damage to others and their boats, you will be responsible for covering all the damage. Without insurance, this could cost you a fortune.

As you can see, owning a boat or watercraft without proper insurance is a risky decision. It would be best always to have adequate boat/watercraft insurance as a responsible vessel owner. If you are currently shopping for an insurance policy in Lansing, IA, or any other nearby area and do not know where to start, Kerndt Brothers Insurance Agency is here to help. We specialize in different types of insurance, including boat/watercraft insurance. If you live in Lansing, IA, or any surrounding area, feel free to call us to find out about available insurance options.

Navigating Claims: What to Expect When Using Your Umbrella Policy

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When life throws unexpected challenges your way, an umbrella policy can be your safety net. At Kerndt Brothers Insurance Agency in Lansing, IA, we understand the importance of knowing what to expect when making a claim. Here’s a friendly guide to help you navigate the process smoothly.

Understanding Your Umbrella Coverage

The first step is to familiarize yourself with your umbrella policy. This type of insurance provides extra liability coverage beyond your standard policies’ limits. Whether it’s a major accident or a significant legal claim, your umbrella policy steps in when your primary coverage maxes out.

How to File a Claim

When you need to file a claim, contact your insurance agent as soon as possible. They will guide you through the necessary steps and documentation. Be prepared to provide details about the incident, including any reports or evidence. Clear communication with your agent can streamline the process and help resolve your claim efficiently.

Understanding the Claims Process

Once your claim is filed, it will be reviewed to determine the extent of coverage. This evaluation involves assessing the incident and verifying the details provided. It’s important to stay patient during this phase, as it ensures a thorough and fair assessment.

Receiving Compensation

If your claim is approved, your umbrella policy will cover the costs that exceed your primary policy’s limits. This can include legal fees, medical expenses, and more. Rest assured, Kerndt Brothers Insurance Agency is committed to guiding you through every step.

Contact Us Today for More Information on Umbrella Insurance Policies

For personalized assistance and to learn more about how an umbrella policy can benefit you, contact Kerndt Brothers Insurance Agency in Lansing, IA. We’re here to provide the support and expertise you need.

What can occur if I do not have flood insurance in the state of Iowa?

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Owning a property in Lansing, IA, represents both an ideal housing opportunity and a noteworthy investment. Despite the advantages of property ownership, there are inherent risks, including flood damage. Consequently, all residents are urged to consider flood insurance, as the repercussions of lacking coverage can be severe.

Lack of Financial Protection for Flood Damage

One of the most significant risks you’ll face without flood insurance is a lack of financial coverage for flood-induced damages. If your property falls victim to flooding, the remediation cost can quickly rise, becoming substantial. A standard home insurance policy typically doesn’t cover flood damage, leaving you without the necessary financial assistance in the absence of a dedicated flood insurance policy.

Potential Violation of Legal Agreements

In some cases, not having a flood insurance can mean violating certain agreements. Due to the significant protection flood insurance offers to homeowners, it’s often mandatory for property owners residing in designated flood zones to carry it, as per the requirements of lenders and homeowner associations. If you’re required to have this coverage and fail to do so, it can result in penalties.

In the Lansing, IA area, flood insurance is often obligatory. If you’re interested in securing this type of coverage, contact our Kerndt Brothers Insurance Agency team. Our experts are prepared to guide you in assessing your flood insurance needs and developing an effective plan.

The Benefits of a Non-Owner Auto Insurance Policy

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One of the major determinants of insurance rates is whether a person maintains continuous coverage without lapsing their policy. When coverage lapses, you may be required to pay significantly more than if you had continuous coverage. At Kerndt Brothers Insurance Agency in Lansing, IA, we believe it’s crucial for customers to comprehend the perks of keeping continuous auto insurance coverage, even if they don’t personally own a vehicle.

Unfortunately, many let their auto policies lapse when they find themselves without a vehicle. The big misconception is that a person doesn’t require auto insurance if they don’t have a car. However, in the state of Iowa, drivers have the option of acquiring a non-owner insurance policy.

What is a Non-Owner Policy?

A non-owner insurance policy caters to drivers who do not personally own or have access to a vehicle at their residence. It’s a flexible solution that allows you to buy liability coverage to protect yourself financially if you cause an accident while driving a vehicle you’ve received permission to use. This flexibility can give you a sense of liberation, knowing you’re covered regardless of your vehicle.

Drivers with non-owner policies often drive borrowed cars. Additionally, non-owner auto insurance policy drivers benefit from coverage when utilizing a car-sharing service. Lastly, if you rent cars frequently, you would greatly benefit from a non-owner policy. Typically, having non-owner insurance is significantly less expensive than purchasing liability insurance from a rental car company.

A non-owner policy is usually less expensive than traditional liability coverage when insuring a vehicle, making it incredibly affordable to obtain a policy even when you don’t own a vehicle. This affordability can provide you with peace of mind, knowing that you’re not breaking the bank to stay protected on the road.

Get in Touch With Us Today!

At Kerndt Brothers Insurance Agency in Lansing, IA, we understand that saving money is your top priority when obtaining auto insurance, and we’re here to help. Call us today at (563) 538-4207.

Should I Buy Life Insurance for My Child? Kerndt Brothers Insurance Agency

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As parents, we continuously strive to protect and assure the well-being of our children, aiming to provide for them in every possible manner. One topic that often sparks debates among families is the need and justification for purchasing life insurance for children. At the Kerndt Brothers Insurance Agency in Lansing, IA, we understand the severity of this decision. Although the idea of insuring a child’s life may seem unusual, there are compelling reasons why this financial planning strategy could be advantageous in the long run.

Should I Purchase Life Insurance for My Child?

When considering whether to buy life insurance for your child, it’s crucial to look beyond the immediate benefits and ponder the long-term advantages. While it may seem needless to insure a young child who is unlikely to pass away, life insurance can offer financial protection in the event of unexpected circumstances. Additionally, investing in a policy early in your child’s life could secure lower premiums as they grow older and potentially develop health issues that could affect their insurability.

Furthermore, purchasing life insurance for your child can also serve as an investment for their future. Some policies have cash value components that accumulate over time and can be used for various purposes, such as college tuition or a down payment for a house. By viewing life insurance as a safety net and a financial growth tool, you’re setting your child up for stability and security from an early age.

Contact Kerndt Brothers Insurance Agency in Lansing, IA for a Life Insurance Policy

At Kerndt Brothers Insurance Agency, we understand the importance of securing life insurance for all ages. Contact us today to begin your life insurance policy. 

Other Structures Coverage – What It Is and How It Protects

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Your home insurance policy can encompass coverage for your garage, shed, fence, and other structures on your property. To use these benefits effectively, we recommend familiarizing yourself with this ‘other structures’ coverage and understanding how it offers protection to homeowners.

Other Structures Coverage

‘Other structures’ coverage is an insurance add-on that can be integrated into an existing home insurance policy. Alternatively, it can also be included while drafting a new home insurance policy. This coverage pertains to any structure erected on your property, providing the same level of protection as granted by a standard home insurance policy.

Repairs and Replacements

An ‘other structures’ insurance add-on covers the cost of repair or replacement in case a structure incurs damage. For instance, if inclement weather damages your property’s fence, this coverage from your home insurance policy will reimburse the costs incurred in its repair or replacement. The insurance covers both: damaged materials that can be repaired and those irreparably destroyed. The coverage will bear the cost of new materials required to fix the fence.

Assessment

Before purchasing the ‘other structures’ coverage, it’s recommended you thoroughly assess the structures on your property. Determine their condition and value, whether fencing, sheds, or other additional structures.

Contact Kerndt Brothers Insurance Agency

Contact us at the Kerndt Brothers Insurance Agency. Serving the Lansing, IA region, our agents are here to guide you through the details of ‘other structures’ coverage. They can answer any queries you may have and offer advice to ensure that your insurance coverage is sufficiently robust for your property.