Kraus-Ritter Insurance Agency represents multiple insurance
companies. Policies vary as to coverage, terms, conditions
and restrictions or exclusions. We are always available
to discuss specific questions you have about any insurance
products we offer. Call us today.
Home, Condo, Renters,
Home Owners and Condominium Insurance
Generally speaking, most Homeowner policies provide
coverage for your Home or Condominium, the Contents of your
home, and Other Structures such as a garage or shed.
Personal property is typically covered against:
- windstorm and hail
- fire and lightning
- damage by vehicle or aircraft
- bursting of plumbing systems
- damage from falling objects
- damage caused by weight of ice
In addition, coverage can be provided for Personal Liability,
Medical Expenses of Others which result from injury on your
premises and Damage to the Property of Others while on your
Renters Coverage is also available. Renters Insurance covers
your belongings while you are living in a home that doesn't
belong to you. Many times, your landlord is not responsible
for replacing your Contents. Coverage is provided for your
Contents as well as your Personal Liability.
To get secured financing to buy, build, or improve structures
in Special Flood Hazard Areas you are required to purchase
flood insurance. Lending institutions that are federally
regulated or federally insured must determine if the structure
is located in a SFHA and must provide written notice requiring
flood insurance. Homeowners that are in a special flood
area may still need to consider flood insurance. According
to the National Flood Insurance Program, flooding occurs
in every state and 25% of all floods occur in low-to-moderate
risk areas. Start a Flood Insurance
Auto and Vehicle
Auto and Vehicle Insurance Policies
Personal auto policies may provide the following
- Bodily Injury Liability - Covers accidental injury or
death of another person if caused by you in an automobile
- Property Damage Liability - Covers accidental damage
to other people's property if caused by you in an automobile
- Defense Costs - Covers court costs, legal expenses and
- Collision - Covers you for damage to your car in an
accident, regardless of who was at fault.
- Other Than Collision - Covers your car against damage
from fire, lightning, flood, theft, glass breakage, falling
objects, and other specified perils.
- Personal Injury Protection - Covers you and your family
who sustain bodily injury caused by an accident involving
the use of an automobile, for medical expenses, income
continuation, essential services, death benefit and funeral
- Uninsured / Underinsured Motorist - Covers injury suffered
by you, your family and anyone riding in your car against
the uninsured / underinsured or hit-and-run driver.
Kraus-Ritter Insurance provides specialty coverages for
motorcycle and minibike owners. Choose the motorcycle insurance
that gives you real peace of mind while you ride. We'll
get you competitive rates and the complete coverage that
you need. Our specialized motorcycle policy provides outstanding
standard and optional coverages, including coverage for
accessories, safety-related gear and much more.
A specialized policy means that you're covered whether you
take a quick ride or a cross country jaunt. We can help
you protect your investment with standard and optional coverages.
- Multiple discounts are available.
- Insurance may be written for Liability Only or Full
Boat Yacht Insurance
Protect your family, guests and investment with
the best in marine insurance. Start
a Boat or Yacht Insurance Quote today.
Personal Umbrella Policies
It is easier and less expensive than you think to protect
your hard-earned assets from a major liability claim. We
recommend you carry a personal Kraus-Ritter Insurance Agent
can help you determine the right policy for you to ensure
you're covered from a catastrophic automobile or personal
liability lawsuit. With an Umbrella Liability Policy in
place, there are fewer worries about depleting valuable
business assets or future income to cover catastrophic liability
claims. An Umbrella Liability Policy supplements your existing
policy's general liability, auto liability and employers
Kraus-Ritter Insurance provides insurance programs for
a wide variety of businesses.
There are special programs with pricing and coverages tailored
to special sectors of business such as contractors, wholesalers,
metalists, retailers, offices, light manufacturing, restaurants,
florists, auto repair garages, quick lube establishments,
muffler shops, brake shops, and many more kinds of businesses.
Contractors have insurance needs in three areas - property
and liability coverage, commercial vehicles, and workers
compensation. Contractor's insurance needs vary from the
ordinary small business in that their operations are very
mobile. They are seldom in one location for a long period
We offer insurance especiially designed for the small artisan
contractor. This meets the needs of skilled small business
operators such as electricians, plumbers, carpenters, drywallers,
painters, masons and landscapers.
A full line of business coverages such as package policies,
worker's compensation, commercial vehicle coverage, and
umbrella liability are available . Call or Email
us to find out the latest coverages
Health Insurance Policies
Illness and injury strike without warning. Who will pay
the doctors, hospital, ambulance, drug store, and all of
the people that care for you and your family? Even a brief
hospital stay can cost thousands of dollars.
We offer a variety of plans with various deductibles and
copays. Call or Email us to find
out the latest health insurance coverages available.
For the businessman, groups down to 2 people can obtain
a program rivaling large groups. Life insurance, short and
long term disability income, and all sorts of deductibles
and features are available to you for your group. Call us
with your census of workers, and we can design a plan for
MEDICARE is a complicated area for seniors. If you're a
Medicare recipient, you need a supplement from some source.
The Part A deductible increases every year. Part B carries
an annual deductible. You are responsible for a percentage
of Part B that Medicare does not cover. We have competitive
products that will take this worry off of your shoulders.
Life Insurance Policies
Who will take care of your family and obligations when you
die? Where will your funeral expense money come from? How
will your children's education be paid for? How will your
key employee be able to buy your business from your family
without financial hardship?
Life insurance is the answer to these and many other financial
issues. It is still one of the best bargains in insurance.
We have a wide variety of companies to choose from. Don't
believe that answering a questionnaire on the Internet will
yield the lowest rate. The fact is that there is still no
substitute for discussion by an experienced agent with you
and the insurance company underwriter. We can help you to
select the right type of life insurance policy and to make
important financial plans for your specific situations.
Long Term Care
Long Term Care
Research shows that at least 70 percent of people over age
65 will require some long-term care services at some point
in their lives. The average United States citizen is living
longer because of advancement in medicine, so there is now
a much higher chance that a person will need long term care
insurance to provide assistance because of illnesses such
as Alzheimer's and Dementia, Stoke, Heart problems, Cancer,
and Parkinson's at some point in their lives.
Additionally, the cost of long-term care services may be
surprising. That's why it's a good idea to consider long-term
care insurance as an integral part of a well-rounded financial
plan. Plan ahead today by calling Kraus-Ritter Insurance
for a solid recommendation when onsidering Long Term Care