Home & Auto Insurance

There are many benefits to having Home and Auto insurance – both types of policies can help protect your finances in the event of an accident or damage to your home or car.

Your home and care are probably your largest investments, which means protecting them is important to the financial security of your family. Home & Auto insurance provide critical coverage that can prevent you from serious financial problems over the long run.

What is home and auto insurance?

  • Home and Auto Insurance protects against financial loss if disaster strikes

Homeowners Insurance

  • Covers the cost of repairs to your home if it’s damaged by an insured event, such as a fire or windstorm
  • Pays for the cost of replacing lost or damaged property within the home

Auto insurance

  • Covers physical damage to your vehicle caused by an accident or other covered loss, such as theft
  • Pays for the cost of medical treatment for injuries or death to others in an accident involving the insured’s car

Protect yourself from financial hardship by making sure you have enough insurance coverage to replace everything you own in the event that it’s damaged or destroyed. If you’re unsure about how much coverage will be enough for you, a KRS specialist can help explain what options are available and what might be best for your needs.

Why it’s important to review your current cover? 

Did you know that the average cost of home insurance in the United States is $1,242? According to the Insurance Information Institute, homeowners insurance costs increased by 2.6% from 2017 to 2018. That’s a lot!

Auto insurance rates are rising as well. The average auto insurance premium rose by 4% from 2017 to 2018—a total of $185 more per year for the typical policyholder.

The good news is that there are ways to lower these costs: 

  • KRS compares quotes from multiple companies to find the best price for your needs
  • Get a discount by bundling policies together
  • Get a discount by adding an alarm system or other security measures

Already shopping around?

It’s still important to work with a KRS agent in order to fully understand what the policy does and doesn’t cover. This way our clients make an informed decision about which package works best for their situation.

Here is an example of why it is so important to review your plan;

  • Mr. & Mrs. Smith are 65 years old
  • Empty nesters from Downers Grove, IL
  • Insured with the same BIG NAME insurance company for 27 years
  • Premiums increased year after year

After contacting KRS…

  • INCREASED their insurance coverage and LOWERED their premiums
  • Lowered their yearly premiums from $4,496 to $3,147
  • Saved $1,349! That’s 30%

More About Home & Auto Insurance

One important benefit of purchasing Home and Auto insurance together is that this can save you money on your premiums. If you have a good driving record and a good credit history, you may be eligible for discounts on your insurance rates. Additionally, if you have a home that is paid off, you may also be able to get even lower rates.

Perhaps the most important benefit of Home and Auto insurance is that they can give you peace of mind in knowing that you are covered in the event of a disaster. If your home is damaged by a fire or flooding, for example, your insurance can help pay for the repairs. If your car is totaled in an accident, your insurance can help replace it.

Both Home & Auto insurance policies have a broad range of options that can be tailored to your needs and the needs of your family, so be sure to seek help from an insurance agent you trust before committing to any particular policy.

Help with your Home & Auto Insurance

Our experienced agents can help you ascertain the most important types of coverage you need and then help you find a carrier than will provide competitive rates on your customized policy. All agency consultations are free of charge, so don’t wait – call or click the quote button to protect your home and automobile today.


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Home & Auto Insurance

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2000 S Batavia Ave., Ste 350 Geneva, IL 60134

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871 Coronado Center Dr, Suite 200 Henderson NV, 89052

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We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area.
Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options