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In this age of high-tech, cost oriented approaches to doing business, we emphasize a
personal, hometown approach. With that in mind, we currently represent this quality
insurance provider for home insurance:
Auto Owners Insurance Company
Homeowner Discounts
In 1995 we initiated the Andrews University
Group to give all full-time Andrews University employees a 12% discount on home insurance policies.
Frequently Asked Questions
Q: Why do I
need that much insurance on my home? I could not sell it for that amount.
A: The amount
of insurance on your home is based upon the replacement value, not the market
value.
Q: How much
liability insurance do I need?
A: Each family’s
needs are different. A family needs to calculate their financial risk then
purchase an amount of liability insurance to cover that risk.
Q: What perils
am I covered for on my homeowner’s insurance?
A: If you have
a Homeowners-3 (HO-3) policy, you have “allrisk” coverage on the dwelling and
“named peril” coverage on all the contents.
Q: I lost my
ring, do I have coverage?
A: No. There is
no coverage for loss of a ring unless you have a separate rider that schedules
the ring. An appraisal is required to schedule an item such as jewelry.
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106 South Main Street • Berrien Springs MI 49103 • (269) 471-7350 • Fax (269) 471-7354
• rkesterkeins@sbcglobal.net
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Copyright © 2008 • Roger Kesterke Insurance Agency •
Genesis Web Design
•
designer@genesiswebd.com
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