Frequently asked questions
Our Insurance Products
Even with advanced auto technology, car accidents are still a common occurrence. Kerns Insurance LLCunderstands how much of an investment your automobile is and how much you enjoy driving it. This is just one reason we've turned to Nationwide to help us provide the best auto insurance protection to Loogootee drivers.
Distracted driving, driver error, fatigue, and speeding are just a few causes of auto accidents, and are all factors to take into account when it comes to selecting your auto protection. We also consider factors that can lower the price of your insurance policy, such as having a new vehicle and good driving behavior. After we've helped build a personalized plan for you and your automobile, we'll be sure to keep in touch with you to see if there are any changes in your life or driving habits that might require a change to your insurance policy.
Not satisfied with your current auto insurance protection? Thinking about getting a new car and curious about how much you'll likely have to pay for insurance? No matter your circumstances, we're always available to talk to you about your options. Whenever you're ready, give us a call at (812) 295-7937, or visit us at 122 Church St.
Navigating the variety of options for your home insurance needs is simple with Kerns Insurance LLC of Kerns Insurance LLC. Kerns Insurance LLC has teamed up with Nationwide to bring you expert insurance advice. Together, you'll go over coverage options for both your home and belongings that are valuable to you. Specifically, with our Brand New Belongings® coverage, we can help to replace or repair your covered valuables. Because Kerns Insurance LLC is local to Loogootee, you can create an insurance policy with the unique qualities of your location in mind.
When it comes to your home, a good roof over your head can relieve a lot of worry. Other unique aspects of your home, such as a pool, gazebo, or other detached structures, are also important to finding you the right insurance coverage. In Loogootee, we know there are also specific social and weather conditions that should influence your coverage, so we'll be sure to discuss them with you when you drop by.
To get in touch and learn more about home insurance policies, you can come to our office at 122 Church St 75080 or call us at (812) 295-7937. We'll not only go over what kind of coverage is available to you, but how to qualify for special discounts and bundle packages. We look forward to meeting you and walking you through your options.
Life is full of uncertainties. Your family’s financial well-being shouldn’t be one of them. As you shop for life insurance in Loogootee, you likely have many questions running through your mind:
• “What are the benefits of term vs. permanent policies?”
• “How much coverage do I need?“
• “How much does a life insurance policy cost?"
Kerns Insurance LLC and Kerns Insurance LLC can help you find the right policy to protect your legacy and provide financial security for your loved ones when you are no longer living.
There are a variety of factors you must consider to determine the amount of coverage you need. First, estimate the amount of debt, final expenses and other financial obligations you might leave behind. Also, think about your income and how the loss of it will affect your family. You want a policy that has a death benefit that covers those costs and leaves a financial cushion.
Next, decide what kind of policy you want. There are several types of life insurance available. Base your decision on what you can comfortably afford and your current and future financial goals.
Finally, carefully review all policy documents. A life insurance agent can provide clarity on any information or policy language you do not understand. If you have special considerations, do not hesitate to inform one of our team members.
Insurance is a smart investment. Getting the right policy is easier than you think. Call (812) 295-7937 for an appointment with an agent. Feel free to stop by 122 Church St,Loogootee,IN,47553 to discuss Nationwide coverage options in person.
As a business owner you have a lot of responsibility. One of your priorities should be to make sure that you are properly protected in the event of a loss. At Kerns Insurance LLC in Loogootee, we understand that every company has its own unique risks and coverage needs. That is why we go over your business in detail including if you own or rent your building, the number and types of employees you have, and the nature of your business. We then recommend a custom plan to make sure you are protected against a variety of different risks.
While some companies may offer a one-size-fits-all policy, we have several options that you can choose from. For example, if your employees will be driving company vehicles or their own for business purposes it is important to have commercial auto coverage. If your business depends on computers and equipment for daily operation, you may want to have protection against equipment breakdown. You also may need extra liability protection, such as umbrella insurance, in order to protect you when accidents happen. To make things easy, many business owners choose our business owners policy (BOP), which packages important coverages together.
When you are ready to protect your company, Kerns Insurance LLC is available to walk you through your options. You can call our office at (812) 295-7937 to set up an appointment or speak with an agent over the phone. You can also visit our office at 122 Church St.
Nationwide offers small business resources to help you strengthen your business, such as financial calculators and information and articles on marketing and cash flow management. Learn more at the Business Solutions Center.
The Kerns Insurance LLC also offers products in IL. Please call for information on products in those states.
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