At Kaercher Insurance, we recognize that all of the various coverage and product options can become overwhelming for our customers. Our dedicated insurance professionals spend the time to make sure you fully understand the options and coverage’s available to you. Every time you get behind the wheel you place yourself at risk and having the right insurance agency can make all the difference. Let us help you find the most appropriate insurance coverage that will fit your unique needs.
Generally, standard auto insurance protects the following:
Bodily Injury Liability – covers injuries to others caused by the policyholder while operating a vehicle.
Medical or Personal Injury Protection – covers treatment of the driver and passengers of the policyholder’s car in the event of an accident regardless of fault.
Property Damage Liability – covers damages caused to someone else’s property by the policyholder while operating an automobile.
Collision – insures the policyholder from loss during a collision with another vehicle or object.
Comprehensive – protection for the policyholder’s car from damage and loss resulting from incidents other than collision.
Uninsured Motorist Coverage – covers medical treatment of the policyholder’s injuries in the event of a collision with an uninsured or underinsured driver.
Your home and its contents are your biggest investment. Kaercher insurance can provide protection for your home, condo, or townhouse. Whether you own or rent, you need to make sure that your property is protected with the right insurance package. Life happens so make sure you protect yourself from the unexpected. We can develop a personal insurance package that will adequately protect your home, its contents and your liability.
Generally, standard home insurance protects the following:
Dwelling – covers the physical structure of your home.
Other structures – covers structures on your property (storage sheds, pools, boathouses, etc.)
Personal Property – covers your personal property and belongings inside your home.
Personal Liability – your liability or legal responsibility for any injuries and property damage you or your family members cause to other people.
Loss of use – additional living expenses if a fire or other insured disaster leaves you temporarily unable to live in your home.
Storms are a part of life and rainy days will come. At Kaercher insurance we want to provide you with protection from the storm and the rain. A personal umbrella policy will help us do that for you. You worked hard to get where you are now let us help you stay there. With a personal umbrella policy you don’t have to worry.
Benefits of personal umbrella coverage:
$1 million in coverage with higher limits available
Additional liability coverage over the limits of your auto, home or recreational vehicle
Protection from claims not normally covered under your home policy, such as libel or slander
Payment for defense costs, attorney fees and other expenses associated with a lawsuit, even if the lawsuit is frivolous or groundless
Life insurance helps to protect your family financially after you die by helping to cover lost income, expenses such as mortgages and other living costs, education expenses for children and lastly final expense or burial costs. Life insurance helps to ensure that your beneficiaries have enough money to maintain their standard of living in the event of your death.
Selecting the right life insurance amount is just as important as the type of life insurance you choose. Term, Whole Life, Universal Life, Variable Life are all different types of life insurance policies that can provide for different needs depending on each individuals specific requirements. Likewise, business owners, partnerships and corporations have similar needs for life insurance to help bridge the management and development gap left as a result of a key individual’s untimely death.
Working with our professional staff we are able to analyze your current and future financial needs whether you are an individual or business, and make the recommendations that will ensure that your family, both business and personal, are financially secure. Not all life insurance is the same so understanding your needs allows us to tailor a life policy that will fulfill the plans that you have for the future.
We recognize the need for and the value of financial planning, and work with your business and personal advisors to ensure that your life insurance is there to reduce problems after you are gone not create them.
The Affordable Care Act ushered in a new era for health insurance, everybody must have coverage. Either through employer sponsored plans or individual plans offered through a state or federal exchange or individual and family coverage offered by the insurance carriers, the availability of health insurance has never been greater. Unfortunately for most of us understanding what is available and how it works can be a mystery and a challenge.
At Kaercher Insurance our team of professionals are poised to assist with the challenges facing most people when it comes to selecting a plan of coverage and then understanding what that plan covers in the way of benefits and what it will cost to access. We understand the requirements of the new laws and how it will impact individuals. Who qualifies for a subsidy and who doesn’t? What plans offer the lowest out of pocket costs and what coverage is most important to you and your family?
Despite the abundance of information available through web sites and other sources the purchase of health insurance for you and your family is a very personal decision and it helps to have a trusted and knowledgeable advisor. Our team is here to help guide you through the complexities of health insurance selection, to present the most cost effective and comprehensive coverage and to be here to answer your questions after you and the family are insured.
Income Protection, Paycheck Insurance it translates to the same thing, Disability Insurance.
Imagine, you have a great vacation planned, you’re off to the lake or the mountains and then unexpectedly something happens. An accident occurs and you find yourself in the hospital. Thankfully you have a great health insurance plan but, you will be out of work for 6 months with your injury. How do you make the payments on the house, car and boat? What about the kid’s school and soccer and football, how will you pay for that expense?
Disability Insurance, either individual or through a group is an often overlooked benefit that could spell the difference between maintaining a reasonable lifestyle during an injury or illness versus losing what you have worked so hard for. Statistics show that you are 3.5 times more likely to be injured and need disability insurance coverage than you are to die.
Injuries are not the only risk, what about disabling illnesses? Heart Attacks, Strokes and other illnesses are too often the cause of a major disability. Maternity can force a woman to leave her employment early and sure she has the time off but what about the lost paychecks.
Professionals have an even greater risk of financial loss. A doctor that can’t be in the operating room, and attorney that can’t go to court or the CPA unable to fulfill his duties to his clients because he is bedridden.
Disability insurance is the only coverage that protects your income and allows you to recover. Our professional team will evaluate your particular situation and recommend the best disability coverage for you. For many, disability plans can be purchased through an employer on a voluntary basis. For those with greater financial needs Individual Disability plans can be tailored to meet the specific needs of the individual.
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