The Critical Role of Medical Underwriting: Ensuring Fair Coverage

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A key component of life insurance policies is medical underwriting. It serves as an initial assessment of your health status. Many Lansing, IA, customers reach out to us with questions about medical underwriting and its impact on their policy.

What Is Medical Underwriting?

Medical underwriting is a process in life insurance where your health is evaluated to determine eligibility and premium rates. After submitting your application, you will undergo a medical exam conducted by a doctor. During this exam, the doctor will ask questions about your lifestyle, medications, family history, medical history, and current health status. The doctor then provides this information to our team at Kerndt Brothers Insurance Agency. Our underwriter reviews the documents to verify the details provided.

How Does Medical Underwriting Affect Your Life Insurance Policy?

Medical underwriting plays a crucial role in determining your life insurance eligibility and monthly premium amount. The results are used to classify policyholders based on their risk level. Individuals considered high-risk—such as those with pre-existing conditions, smokers, drinkers, or those with risky lifestyles—may face higher premiums and fewer carrier options. Conversely, healthy individuals typically have access to more policy options and lower premiums due to their lower risk.

The results of your medical underwriting are valid for two years. After this period, you will need to undergo another exam to update your policy. Changes in your health—whether improvements or declines—can lead to adjustments in your coverage. Additionally, if you provide false information on your application, your coverage may be denied.

At Kerndt Brothers Insurance Agency, we encourage our customers to maintain a healthy, low-risk lifestyle to access a wider range of policy options. However, we also partner with life insurance providers that offer coverage for individuals who may not meet these criteria. For more information on life insurance, call or visit our office in Lansing, IA.

Tornado damage that home insurance covers

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Over the past 150 years, more than 3500 tornadoes have wreaked havoc in the state of Iowa. Each year, several tornadoes tear through the state, causing varying degrees of damage. In 2024, a record-breaking 125 tornadoes were recorded.

Our team at Kerndt Brothers Insurance Agency in Lansing, IA, possesses the local knowledge to help our clients secure the right coverage to protect their homes and property from tornado-induced damage.

Damage Caused by Wind

Wind speeds in a tornado can range from 65 miles per hour to over 300 miles per hour, with the average being 110 miles per hour. The higher the wind speed, the more extensive the damage. The average width of a tornado is 50 yards, but it can extend to over two miles. Damage can range from torn-off roof tiles, uprooted trees, and shattered windows to complete home destruction at higher wind speeds.

Hail Damage

Hail often accompanies a tornado, and it’s not uncommon for hailstones to reach the size of a baseball. The damage caused by such large hailstones can be substantial.

Water Damage

If your roof is damaged by the winds or by a tree falling on your home, it can allow rain to enter. Your home insurance covers this type of water damage. However, flood damage is not covered. Roof damage can also lead to damage to the contents of your home.

Contact our team of independent insurance agents at Kerndt Brothers Insurance Agency in Lansing, IA, to ensure that you have the right coverage. You can reach us by calling our office or through our website.

Do Snowmobiles Require Power Toys Insurance?

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Power toys insurance is specifically designed to provide a minimum level of liability protection for motorized items, such as snowmobiles, jet skis, and other personal watercraft, as well as ATVs like four-wheelers. It can help cover medical bills and personal property damage in the event of an accident, among other things.

Legal Requirements

Iowa takes snowmobile operations seriously. Riders aged 12-17 are required by law to take and pass an education course, and must have a certificate when riding on trails or public land, including ice.

The state also mandates minimum liability insurance for snowmobiles driven on public roads and highways. Previously, snowmobiles were one of the few exceptions to the law. However, this was revoked in 2012, making liability insurance mandatory for all motorized vehicles driven on public roads and highways.

Types Of Coverage

Many insurance agencies throughout Lansing, IA offer different levels of coverage for snowmobiles. Owners can opt for liability insurance, which is often the most affordable option. This covers the other person’s bodily injury and property damage costs. Collision coverage will also help cover your damages, and comprehensive coverage covers damage that isn’t related to an accident. An agent at Kerndt Brothers Insurance Agency can help you determine which level of coverage you need.

Assurance and Security

Power toys insurance is designed for all your motorized toys. It can cover four-wheelers, snowmobiles, etc. Homeowners’ insurance typically doesn’t cover these vehicles when damaged, making coverage necessary to provide you with assurance and security.

Agents at Kerndt Brothers Insurance Agency have years of experience regarding power toys insurance and the Lansing, IA law. We’ll ensure you have the coverage you need to meet minimum requirements. Contact us before you hit the trails.

Buying an Old Cadillac for Car Shows? You Need Classic Car Insurance

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Kerndt Brothers Insurance Agency knows that collecting classic cars offers both thrills and fear. After all, what happens if your collection gets damaged? Total loss is not an option! We can offer classic car insurance for vehicles like amazing Cadillac models.

Does Your Cadillac Qualify?

Your Caddie will qualify for classic car insurance if it is:

  • Over 25 years old (from the starting date of your policy coverage)
  • Stored in a safe garage and protected from dangerous elements
  • Worth a lot of money (we can help you gauge that)
  • Driven very little (low mileage, depending on the policy)
  • Owned by someone with a good driving record (that’s you)
  • Considered an alternative vehicle (i.e., not your primary car)
  • In pretty good condition and regularly maintained (you need proof)

Other vehicles covered include:

  • Street roads built before 1949 (modified)
  • Limited edition or collectible builds
  • Vintage vehicles between 1919 and 1930
  • Antique farm vehicles that are no longer built
  • Classic military vehicles (such as Jeeps)
  • Well-regarded motorbikes
  • Collector cars built before 1980

What Is Covered?

Classic car insurance offers multiple coverage levels for your Cadillac, including:

  • Liability protection (including damage or injuries you cause in a crash)
  • Comprehensive coverage (support for things beyond your initial policy)
  • Collision policies (i.e., paying to replace damage to your vehicle)
  • Guaranteed Value coverage (you get every cent of your vehicle’s value in a covered total loss)
  • Flexible usage (i.e., you can take it out for occasional drives if you’re safe)
  • Other options (medical payments, uninsured driver, spare part replacement, etc.)

Who Should You Call?

At Kerndt Brothers Insurance Agency, we offer well-respected service to Lansing, IA, and car collectors. Our classic vehicle policies provide high-quality protection at reasonable expenses. With our support, you can minimize potential dangers to your expensive collection.

Getting Your First Apartment? What to Know About Renters Insurance

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When you’re renting an apartment, renters insurance can help you recover after covered events occur. Renters insurance provides peace of mind if you’re in an apartment or a rental home.

The Kerndt Brothers Insurance Agency professionals in Lansing, IA, can help you find the best renters insurance policy for your needs. As independent insurance agents, we can shop around for the best deal.

What Is Renters Insurance?

Renters insurance is a type of insurance that will pay to repair or replace your belongings after a covered event. Renters insurance can also pay for your living accommodations if you must move out of your home while you’re recovering from a covered event.

For many people, having a renters insurance policy is a practical way to help ensure that they can weather various disasters, such as a fire or burglary.

Who Needs Renters Insurance?

Anyone who is renting a home or apartment can benefit from renters insurance. If you’re renting an apartment and considering whether you should get renters insurance, you can find out more about this helpful type of insurance by calling your insurance agent.

Your insurance agent can help you find a renter’s insurance policy that fits your budget.

What Are the Benefits of Renters Insurance?

There are many benefits of renters insurance.

  • It gives you peace of mind.
  • It helps you during the recovery when a covered event occurs.
  • Pays to repair or replace damaged or destroyed items after events like fire, lightning strike, and vandalism.
  • It pays for you to live somewhere else after a covered event.

Are you interested in finding a renters insurance policy for your new apartment or rental home? Contact Kerndt Brothers Insurance Agency servicing Lansing, IA.

What’s the Difference Between RV Insurance and Regular Auto Insurance?

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Owning an RV and a regular automobile offers two very different experiences. While your car may get you from point A to point B, your RV can take you on adventures or even serve as a home on wheels. But when it comes to protecting these vehicles, is there really a difference between RV insurance and regular auto insurance in Lansing, IA? Let’s break down the distinctions between these policies.

Similarities Between RV and Auto Insurance

When comparing RV and regular auto insurance, it’s important to understand the similarities between the two policies. Both insurances include basic liability, collision, and comprehensive coverage to protect against accidents, property damage, and non-collision incidents, such as natural disasters and theft.

In addition, both RVs and regular vehicles must meet state-mandated minimum insurance requirements for road use. This helps ensure that drivers are financially responsible in the event of an accident.

Key Differences in Coverage

The biggest difference between an RV and a regular vehicle is that RVs often double as living spaces, meaning they may require additional coverage. RV insurance often includes expanded liability coverage to protect against incidents that occur while the RV is parked at campgrounds or used as temporary housing.

In addition, RV insurance offers coverage to protect personal belongings stored in the RV, such as kitchenware, furniture, and electronics. This means that RV owners are adequately protected for both living and travel scenarios.

Contact Kerndt Brothers Insurance Agency

While RV insurance is similar to regular auto insurance, it provides coverage tailored to RV owners’ unique needs. Serving Lansing, IA, and the surrounding areas, Kerndt Brothers Insurance Agency offers comprehensive insurance solutions for those who need personalized auto coverage. Call today to get started.

Vital Safety Gear Every Motorcyclist Needs

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As a motorcyclist, carrying certain items for your safety while traveling is crucial.

1. Reflective Vest or Jacket

Wearing a reflective vest or jacket is essential, especially when riding at night. This ensures other drivers can see you, not just hear your bike approaching.

2. Protective Clothing

Beyond the reflective jacket, it’s important to wear a thick layer of clothing or a sturdy jacket under your vest for protection in case of an accident. Your lower body should also be safeguarded by wearing thick pants.

3. Protective Eyewear

During daytime rides, wear protective sunglasses or eyewear that shields your eyes from the sun and any flying debris. If you use an open-face helmet, clear eyewear is necessary for night driving.

4. Helmet

Whether you prefer a full-coverage or an open-faced helmet, always wear one, especially on long drives. Helmets can provide significant protection in the event of an accident, potentially preventing severe injuries.

5. Earplugs

While the roaring sound of your bike might be enjoyable, prolonged exposure to such noise and wind can damage your ears. Use earplugs to protect your eardrums and hearing, particularly on longer rides and commutes.

6. Gloves

Always wear gloves to protect your hands from weather damage regardless of season. Wind and sunburn can severely dry out your hands, leading to cracking. Gloves also provide protection in the event of an accident.

A comprehensive motorcycle insurance policy is the best safety gear for your motorcycle. If you live in the Lansing, IA, area, contact us at Kerndt Brothers Insurance Agency today for a personalized quote.

Risks of not having proper boat/watercraft insurance

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Boat and watercraft insurance is not required by law in Iowa, which leads many owners to forego it. However, not having a boat or watercraft insurance policy can pose significant risks. This blog post will discuss the potential risks you may face if you decide not to purchase boat or watercraft insurance.

Risks of Not Having Boat/Watercraft Insurance

  • Damage to your vessel. Accidents can happen unexpectedly. If your boat or watercraft is damaged in an accident, you will have to cover all the repair expenses yourself.
  • Medical expenses. Without a proper insurance policy, you and your passengers will not be covered for medical costs in case of an accident and injuries.
  • Vandalism and theft risks. Theft and vandalism are unfortunately common. If your vessel is vandalized or stolen, your boat/watercraft insurance will cover your loss. However, without a policy, you could lose thousands of dollars.
  • Liability risks. If an accident occurs and you cause damage to others and their boats, you will be responsible for covering all the damage. Without insurance, this could cost you a fortune.

As you can see, owning a boat or watercraft without proper insurance is a risky decision. It would be best always to have adequate boat/watercraft insurance as a responsible vessel owner. If you are currently shopping for an insurance policy in Lansing, IA, or any other nearby area and do not know where to start, Kerndt Brothers Insurance Agency is here to help. We specialize in different types of insurance, including boat/watercraft insurance. If you live in Lansing, IA, or any surrounding area, feel free to call us to find out about available insurance options.

Navigating Claims: What to Expect When Using Your Umbrella Policy

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When life throws unexpected challenges your way, an umbrella policy can be your safety net. At Kerndt Brothers Insurance Agency in Lansing, IA, we understand the importance of knowing what to expect when making a claim. Here’s a friendly guide to help you navigate the process smoothly.

Understanding Your Umbrella Coverage

The first step is to familiarize yourself with your umbrella policy. This type of insurance provides extra liability coverage beyond your standard policies’ limits. Whether it’s a major accident or a significant legal claim, your umbrella policy steps in when your primary coverage maxes out.

How to File a Claim

When you need to file a claim, contact your insurance agent as soon as possible. They will guide you through the necessary steps and documentation. Be prepared to provide details about the incident, including any reports or evidence. Clear communication with your agent can streamline the process and help resolve your claim efficiently.

Understanding the Claims Process

Once your claim is filed, it will be reviewed to determine the extent of coverage. This evaluation involves assessing the incident and verifying the details provided. It’s important to stay patient during this phase, as it ensures a thorough and fair assessment.

Receiving Compensation

If your claim is approved, your umbrella policy will cover the costs that exceed your primary policy’s limits. This can include legal fees, medical expenses, and more. Rest assured, Kerndt Brothers Insurance Agency is committed to guiding you through every step.

Contact Us Today for More Information on Umbrella Insurance Policies

For personalized assistance and to learn more about how an umbrella policy can benefit you, contact Kerndt Brothers Insurance Agency in Lansing, IA. We’re here to provide the support and expertise you need.

What can occur if I do not have flood insurance in the state of Iowa?

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Owning a property in Lansing, IA, represents both an ideal housing opportunity and a noteworthy investment. Despite the advantages of property ownership, there are inherent risks, including flood damage. Consequently, all residents are urged to consider flood insurance, as the repercussions of lacking coverage can be severe.

Lack of Financial Protection for Flood Damage

One of the most significant risks you’ll face without flood insurance is a lack of financial coverage for flood-induced damages. If your property falls victim to flooding, the remediation cost can quickly rise, becoming substantial. A standard home insurance policy typically doesn’t cover flood damage, leaving you without the necessary financial assistance in the absence of a dedicated flood insurance policy.

Potential Violation of Legal Agreements

In some cases, not having a flood insurance can mean violating certain agreements. Due to the significant protection flood insurance offers to homeowners, it’s often mandatory for property owners residing in designated flood zones to carry it, as per the requirements of lenders and homeowner associations. If you’re required to have this coverage and fail to do so, it can result in penalties.

In the Lansing, IA area, flood insurance is often obligatory. If you’re interested in securing this type of coverage, contact our Kerndt Brothers Insurance Agency team. Our experts are prepared to guide you in assessing your flood insurance needs and developing an effective plan.