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

Posted on by admin

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

Posted on by admin

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.