Personal Insurance   

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, and Flood

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
• vandalism
• fire and lightning
• damage by vehicle or aircraft
• bursting of plumbing systems
• damage from falling objects
• theft
• damage caused by weight of ice
• smoke

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 premises.

Renters Insurance
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.

Flood Insurance
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 quote today.

Auto and Vehicle

Auto and Vehicle Insurance Policies
Personal auto policies may provide the following basic coverages:

• Bodily Injury Liability - Covers accidental injury or death of another person if caused by you in an automobile related accident.
• Property Damage Liability - Covers accidental damage to other people's property if caused by you in an automobile related accident.
• Defense Costs - Covers court costs, legal expenses and attorney's fees.
• 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 expenses.
• 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.

Motorcycles
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.

Snowmobiles
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 Package.

Boat Yacht Insurance
Protect your family, guests and investment with the best in marine insurance. Start a Boat or Yacht Insurance Quote today.

Umbrella Coverage

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 liability limits.

 

Business Insurance   

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 Insurance
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 of time.

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 available.

 

Health Insurance

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 you.

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

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 Insurance.