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Home > Auto and Homeowners Insurance Home

Auto and Homeowners Insurance


Auto and Homeowners Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Auto Insurance Quote
Homeowner Flood Quote Form
Homeowners Insurance Quote
Manufactured Home Quote

Auto and Homeowners Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Add Driver to Existing Auto Policy
Add Vehicle to Existing Auto Policy
Remove Driver from Existing Auto Policy
Remove Vehicle from Existing Auto Policy
Request Declaration and Coverages for Existing Homeowners Insurance Coverage
Request Declaration and Coverages Page for Auto Policy
Request Evidence of Insurance
Request ID Card for Auto Policy
Send Declaration and Coverages Information to Lien Holder

Auto and Homeowners Insurance Information

What is auto insurance?
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

Auto insurance provides property, liability and medical coverage:

  • Property coverage pays for damage to or theft of your car.
  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
  • Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.

Most auto policies are for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.

Why do you need auto insurance?
It's really all about protecting yourself financially.

  • If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.
  • If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.
  • Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.

Questions to ask your agent
Your Independent Agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

  • How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
  • What is the insurance company's level of service and ability to pay claims?
  • What discounts are available? (Ask about good driver, multiple policy and student discounts.)
  • What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)

What is Homeowners insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

Why do you need homeowners insurance?
It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.

  • If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
  • If a guest in your home is injured, liability protection and medical coverage help pay expenses.
  • If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
  • If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.

Things to consider and questions to ask us your agent
Here are few things to discuss with us that will influence your decisions.

  • How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home's features and the things you own so you can make an informed decision about coverage.)
  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
  • What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
  • What's the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.)
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Our Happy Customers

When we moved all of our home, auto and umbrella insurance over to Keenan Insurance, we saved about $400 a month. They have ways to find the right insurance for your individual needs with profession and compassionate service. We highly recommend you call them the next time you are in need of insurance.
—Alicia Vinklarek

Whenever I am faced with an insurance issue I can call Keenan Insurance and receive the best professional help available. They work with me from begin to end, making sure I am satisfied with all they have to offer.
—S. Love

We have been with Keenan Insurance for over 33 years. They are very attentive, prompt and helpful with claims. They have a low turnover rate and keep you updated with the latest insurance benefits. We recommend using Keenan Insurance to our family and friends. John and his staff are reliable, friendly and dependable. This company has gone above and beyond to help with our insurance needs.
—Lucille

You go to bat for your customers. Never feel like we have to argue to get your help. We trust you.
—Daniel Stage

I followed Keenan Ins from Farmers because of the personal attention my accounts received. When I ask a question, I always get an answer ASAP.
—R. Massey

Prompt and Personal Service keeps us coming back. A variety of insurers to choose from has been helpful, too. Quite a number of changes and additions to a policy can be handled by phone or email.
—Rich Gross, Champions


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