Since 1977
Do I Need Condo Insurance in Belleville Illinois? The state of Illinois does not require condo owners to maintain property insurance coverage. However, that doesn't mean that you should go without it. Like other types of properties, a condo is a major investment, and you want to make sure you are protected in case of an emergency. The last thing you want is to lose the condo you worked so hard [...]
When you buy an auto insurance policy, you are buying a package of individual coverages. Each coverage protects you against different types of losses. Once you understand the various coverages, you can decide which ones to include in your personal insurance package. You can also determine the limits of coverage you will need. The following are some common coverages found in an auto policy. Please [...]
General Liability insurance does not protect your business against claims of professional negligence, or for failure to perform your professional duties. For this type of coverage, the business will need a separate Professional Liability policy. Professional Liability Insurance protects your business against loss from a claim of alleged negligent acts, errors or omissions in the performance of [...]
At KMK, we know it’s normal to worry about your family and overall life path. You may be asking, “what happens to my family when something happens to me,” or “will I have enough to save for retirement?” Luckily, the professional agents at KMK Insurance know the right questions to ask to ensure you have sufficient life insurance coverage for all stages of your life. [...]
Homeowners, auto, and watercraft policies have a limit on liability insurance. If an unfortunate accident should happen that is your fault, do you have enough liability insurance from your current policies to cover your costs for negligence? Since no one can predict how much a judge may award the injured person, umbrella insurance is not just for the wealthy anymore, but it is a necessary [...]
Commercial auto liability coverage provides protection for any business-owned or leased commercial vehicle. Policies usually include collision and damage coverage as well as coverage for property and personal damage to others. Just like you need auto insurance for your own car, you need business auto insurance to cover your business-owned or leased vehicles. If you or any of your employees have an[...]
For many of us, our home is our most valuable possession. The time to think about the unthinkable disaster is before it happens to you. If your home were damaged or destroyed, insurance could help you repair or rebuild your home and replace damaged possessions. The main purpose of insurance is to protect you against losses you cannot afford. Few people have the financial resources to rebuild their[...]