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Do You Have Adequate Renter’s Insurance?

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Everyone who rents an apartment, house, townhouse, condo, or any other dwelling should have renter’s insurance. Beyond that, it is important to have adequate renter’s insurance. Do you have adequate renter’s insurance? Here are some ways to know the answer to that important question. These tips are coming to you from Kerndt Brothers Insurance Agency serving Lansing, IA.

Amount of property

When determining whether you have enough renter’s insurance coverage, one of the key issues to evaluate is how much property you have and how much it is worth. Look at what the policy you are considering specifies related to that. And make sure you have plenty of coverage if you have a renter’s insurance claim in the future.

Particular belongings

If you have particular types of belongings, you should probably have even more renter’s insurance. For example, some renter’s insurance policies include extra coverage for items like jewelry, art, and electronics. If you have any of those, especially if they are worth a lot of money, you should pay close attention to whether you have adequate renter’s insurance for those.

Specific circumstances

Your renter’s insurance might or might not be adequate to cover certain specific circumstances. For example, many policies do not cover floods and mold. So it is extremely important that you find out whether you have adequate coverage for those. You never know when you might be faced with specific circumstances that can be very costly to handle without enough renter’s insurance coverage.

You probably have many questions about renter’s insurance, including how much coverage you need. Feel free to contact Kerndt Brothers Insurance Agency serving Lansing, IA.

Tips for taking your RV on a long distance trip

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If you’re planning to take your RV on a long-distance trip from here in the Lansing, IA area, there are some important things to keep in mind. To make sure your journey is a success, here are some tips from us at Kerndt Brothers Insurance Agency to follow.

Tips for taking your RV on a long-distance trip

1. Plan out your route ahead of time

Before embarking on your trip, be sure to map out your route and plan any overnight stops along the way. Make sure to check whether there are any road closures or construction that could cause delays or detours.

2. Pack an emergency kit

Be prepared for anything while on the road by packing an emergency kit with essentials such as water, snacks, first aid supplies and basic tools like flashlights and wrenches. You never know when you may need them! 

3. Stock up on food and drinks 

Make sure you’ve got enough food and drinks stocked up in the RV so you don’t have to worry about making frequent grocery store stops during your trip. It’s also a good idea to bring along cooler bags filled with ice packs to help keep items fresh for longer periods of time. 

4. Keep track of maintenance needs

As with any vehicle, it’s important to make sure that all its moving parts are functioning properly for the duration of the trip. Regularly check oil levels, brakes, and tire pressure — this can help avoid unexpected breakdowns while away from home! 

5. Have fun!

Most importantly, remember that taking an RV on a long-distance trip is all about having fun! Leave plenty of time during each stop over so that you can explore what each destination has to offer.

Reach Out To Us!

For more tips, give us at Kerndt Brothers Insurance Agency a call. We are proud to serve the Lansing, IA area.

Frequently asked questions about motorcycle insurance

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Many people ride motorcycles, but not all of them carry insurance. It could be a matter of trying to save money, but it also could be a lack of understanding or unanswered questions.Kerndt Brothers Insurance Agency is happy to serve Lansing, IA area bikers with all their insurance needs and queries.

Here are some common questions people ask about motorcycle insurance.

Frequently asked questions about motorcycle insurance

Is my motorcycle trailer covered?

It depends on your insurance policy. Most motorcycle insurance policies do not cover trailers. You might have to talk with your insurance agent about whether or not your policy includes a trailer. In most cases, you need a separate insurance policy for your motorcycle and trailer.

What is comprehensive and collision coverage?

Comprehensive coverage covers damage from anything that isn’t a collision. This damage can include fires, weather-related damage, natural disasters, etc. Collision coverage provides compensation for damage done to your motorcycle in an accident. Collision coverage is for when the accident was your fault, and your motorcycle got damaged. If the other party is responsible, their liability insurance will cover the damages.

What is liability coverage?

When you are responsible for causing an accident, liability insurance takes care of the damage and medical costs for the other party. It also takes care of any legal bills you incur if you end up with a lawsuit for the accident.

Are my friends covered if I let them ride my motorcycle?

If your friend is licensed and has permission to ride, your liability should cover them if they were to cause an accident.

Are there motorcycle insurance discounts?

Many insurance companies have different guidelines in place for discounts, such as paying in full upfront, bundling, and safe driving.

Reach Out To Us Today

If you have more questions, contact us at Kerndt Brothers Insurance Agency in Lansing, IA.

Three signs you should update your boat insurance coverage

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It’s important for you to update your boat insurance coverage over time if you want to make sure that you’re carrying the coverage that you need. When it’s time to update your coverage, we can help you at Kerndt Brothers Insurance Agency. We offer insurance to boat owners in Lansing, IA. 

Here are three signs that you should update your boat insurance coverage:

You’d like to be able to navigate in a larger area.

Boat insurance policies are limited in terms of the navigational areas in which they offer coverage. It’s important to be aware of this as a boat owner.

If you want to be able to use your boat over a larger navigational area, you should update your boat insurance policy to make sure that you’ll be covered in all the waters you navigate. 

You were disappointed with how a past claim was handled.

It’s important that your boat insurance provider meets your expectations when you have to file a claim. Otherwise, you should shop around and find another boat insurance provider. 

Good customer service and a straightforward claims process are both essential for a good boat insurance provider. You can always switch policies and providers if you’re not happy about a past claim. 

You bought another boat.

If you get rid of your old boat and buy a new one, you need to update your policy. You also need to update your policy if you want to add coverage for a second or additional boat. 

Contact Us Today

Give us a call at Kerndt Brothers Insurance Agency if you have questions about our boat insurance options. If you’re a boat owner in Lansing, IA, we’ll be happy to give you a quote on a boat insurance policy. 

I already have insurance. Why do I need an umbrella policy?

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The purpose of an umbrella policy is to provide you and your family with protection in the event that you are found liable for something like bodily injury, property damage, or financial loss. An umbrella policy will help protect your assets and income from being used to pay damages that result from a lawsuit. Kerndt Brothers Insurance Agency is happy to assist Lansing, IA area residents with this important coverage. 

Why Umbrella Insurance?

There are many reasons why someone might be sued. Some common ones include accidents caused by reckless driving, injuries sustained during a physical altercation, or even financial losses related to real estate or business activities. Because people can be held liable for such events even if they’re not at fault, it’s important to have an umbrella policy so that you don’t have to worry about losing everything if you become involved in a costly legal case.

When choosing an umbrella policy, it’s important to make sure that the coverage limits are high enough to protect you from any potential liabilities. Depending on your income and assets, you might need millions of dollars worth of protection to keep yourself protected. Additionally, you should work with an insurance agent who is experienced and can advise you on which types of liability claims are likely for someone with your specific occupation or activities.

Contact Us Today

If you’re wondering whether an umbrella policy makes sense for your situation, talk to an insurance agent today about getting one in place. With proper protection from an umbrella policy, you’ll have peace of mind knowing that your family will be taken care of financially in case the worst happens. At Kerndt Brothers Insurance Agency, we have been proudly serving the Lansing, IA area for many years. Give us a call today!

Is Flood Insurance Right for You?

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Statistics say that flash flooding causes over 200 deaths per year in the United States, making flash flooding the leading cause of weather-related deaths. This also means that flash flooding causes a lot of damage to people’s homes. If you are a homeowner, you might wonder whether flood insurance is the right decision for you. Kerndt Brothers Insurance Agency in Lansing, IA is here to provide you with a guide. 

Flood Insurance: What You Need To Know

Some people might think that flood damage is covered by homeowner’s insurance, but homeowners must get separate insurance to cover the damage caused by flooding. The cost of flood insurance depends on the following factors. The first factor is flood risk. This means the risk of flooding in the area where you live, and whether there are precautions put in place to reduce the risks. The next factor is how much coverage you want to get with your policy. The other factor is what policy you have and who you are getting your policy through.

In the United States, flooding is considered the number one natural disaster.

Various conditions can cause flooding:

  • Spring thaws

  • Heavy rains

  • Hurricanes

Even if you do not live in a flood zone or a high-risk area, you could still be a victim of flood damage. Floods can also happen in areas that are not prone to flooding. Even minor floods can cause a lot of damage. If you live in an area that is at high risk of flooding, your lender might require you to get flood insurance on top of your homeowner’s insurance.

Unfortunately, flood insurance only covers floods that occur from natural disasters. This means that if you have flooding that happens from a broken pipe, your policy would not cover the cost of the damage.

Contact Us Today

If you are looking for flood insurance, look no further than Kerndt Brothers Insurance Agency in Lansing, IA.

4 Tips for Reducing Your Risk of an Accident

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No one wants to get into an accident. They are stressful, expensive, and often result in injuries. There are a few things you can do to help reduce your risk of being involved in an accident. Our insurance experts at Kerndt Brothers Insurance Agency in Lansing, IA is here to provide you with a guide.

Here are some tips for reducing auto accident risks:

1. Know the Roads You are Traveling On 

Lansing, IA is a small town with a lot of charm. However, that doesn’t mean that the roads are always in the best condition. Wide cracks, potholes, and even debris can all contribute to accidents. Before you head out on the roads, take a minute to familiarize yourself with them. If you know where the danger spots are, you can avoid them or at least be prepared for them. 

2. Obey All Traffic Laws 

This one seems like a no-brainer, but you would be surprised how many accidents occur because someone ran a stop sign or red light. Pay attention to the posted speed limit and yield signs so that you can avoid getting into an accident with another driver who isn’t following the law. 

3. Watch for Pedestrians 

Lansing is a friendly town and pedestrians are often out and about. Unfortunately, that also means that they can pop up seemingly out of nowhere. Pay attention to crosswalks and areas where pedestrians might be so that you can avoid hitting them with your vehicle. 

4. Keep Your Car Maintained 

One of the best ways to reduce your risk of being in an accident is to make sure your car is well-maintained. This means regularly checking your tires, brakes, and lights and making sure they are all in good working condition. Not only will this help you avoid an accident but it will also help you avoid getting pulled over by law enforcement officers.

Get Auto Insurance for Safe Driving

Accidents can happen to anyone at any time. However, if you’re armed with an insurance policy from Kerndt Brothers Insurance Agency and follow these tips, you can help reduce your risk of being involved in an accident. Contact us today to learn more about our auto insurance policies and how we can help you stay safe on the roads.

How to tell if it’s time to review your life insurance

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Your life insurance needs are not the same for an entire lifetime. You may need very little when you are very young and very old, but quite a lot in between. It means you should review your life insurance every few years or when events happen in your life that change your needs. Kerndt Brothers Insurance Agency in Lansing, IA is your local independent insurance agency and we provide personalized service to our customers. 

How to tell if it’s time to review your life insurance

Have you purchased a home?

If you have, it might be time to review your life insurance coverage. You need enough to pay your mortgage, any debt you may have, and your final expenses. You don’t want to leave your family trying to figure these things out after you pass away. 

You are looking for a new job

Do you get your life insurance as part of a benefits package from your employer? Is it the only life insurance that you have? Does your new job have life insurance coverage? How long do you need to be employed before it goes into effect? Leaving your family without coverage is not a good idea. You should have at least one life insurance policy that you purchase yourself that is not dependent on your employer. 

You’re adding members to your family

Whether it is a new spouse or a new child, the amount of life insurance that you need is affected by the change. It is time to review your coverage to see if it is adequate in the event you should pass away while you have people who are depending on you for support. 

Give Us A Call

Contact Kerndt Brothers Insurance Agency in Lansing, IA when the time is right to review your life insurance and let us help you to make sure the amount of coverage you have is correct. 

What every new homeowner needs to know about home insurance

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As a new homeowner, you may be a little confused by home insurance. You need to have it if you have a mortgage and must decide exactly what coverage is important to you. In Lansing, IA, you can count on Kerndt Brothers Insurance Agency to provide the personalized local service you require. As independent insurance agents, we can offer more choices to find the right home insurance for our customers. 

You decide how much liability insurance is right for you.

A basic home policy has basic liability coverage. While basic coverage is okay if you have very little in the way of assets, if you have savings and some valuable investments, it might be a good idea to discuss the amount of coverage that makes you feel comfortable. If you have a dog, it is also a liability, and some breeds can’t be insured. It might be that an umbrella insurance policy might be something for you to have to feel protected. 

Home insurance doesn’t cover everything.

Every type of insurance has exclusions, and home insurance has quite a few. One of the major ones is flooding. Many areas are prone to flooding, even occasionally, and if that danger exists for you, you need to know that your home insurance won’t cover it. Earth movement is not covered,  and if you don’t keep up the maintenance on your home and something goes wrong, your insurance likely won’t pay for it. 

Content coverage

Content coverage comes in two types; what the item is worth and what it would cost to replace. You can choose the type you prefer. Some content categories have limits, and you should read your policy to know what they are. 

Contact Kerndt Brothers Insurance Agency in Lansing, IA when you need information about home insurance.