PERSONAL INSURANCE
Kettle Creek can create a program of insurance that is customized to your unique needs. We enjoy broad market access and have access to numerous high quality insurance companies offering the desired products.

In our experience, the most cost effective as well as comprehensive approach to buying insurance is to purchase all of your personal insurances from one insurance carrier including your Homeowners, Automobile and Umbrella policies. Within this packaged approach, other coverage can easily be added. The building blocks include:

Homeowners Protection - The biggest investment most people will ever make is in their home. It is imperative that your homeowner’s insurance properly reflects the replacement cost value of your home and other structures on your property, the replacement cost of your personal belongings, and provide compensation for loss of use, medical payments and liability protection. It is also imperative that you are insured for the broadest possible types of perils that can cause loss. Not all insurance is created equal, and Kettle Creek can structure a plan that provides coverage for the most exhaustive causes of loss. A plan can be tailored by us to take into account your unique circumstances.

Flood Insurance - Flood Insurance insures the homeowner for damages caused by flood to the home and its contents. Flood insurance is primarily written through the National Flood Insurance Program (“NFIP”) which was created in 1968. According to FEMA (http://www.floodsmart.gov/), a flood is defined as:

A general or temporary condition of partial or complete inundation of two or more acres of normally dry land or of two or more properties (at least one of which is the policyholder’s property) from:

• Overflow of inland or tidal waters; or
• Unusual and rapid accumulation or runoff of surface waters from any source; or
• Mudflow; or
• Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined above.

Flood insurance is provided on an Actual Cash Value basis through the NFIP. Coverage may be available from the standard market on an excess or DIC basis, depending upon the location and nature of the property.

Personal Automobile Protection - To properly protect yourself and your family, it is important that you purchase the proper level of coverage for your unique circumstances. Third party liability protection for bodily injury and property damage, uninsured/underinsured motorists, medical payments and physical damage limits can all be customized. Kettle Creek will assist you in determining the appropriate automobile coverage and limits that are right for you.

Umbrella Protection - Risks arise out of your and your family’s activities and from use of your premises that may far exceed the liability limits of underlying policies. You do not have to be a millionaire to be sued like one. Umbrella insurance adds liability limits in excess of the underlying policies in increments of $1 million, and in some instances, coverage may be broader than that of the underlying policies. The cost of this coverage is relatively inexpensive. Kettle Creek will be pleased to assist you in determining the right amount of umbrella liability protection that you should buy.

Personal Insurance coverage available includes:

• Residential Buildings and Personal Property
• Loss of Use
• Personal Primary and Umbrella Liability
• Fine Arts and Collections
• Automobile Liability and Physical Damage
• Watercraft and Yacht Insurance
• Aviation Insurance
• Equine Insurance
• Workers’ Compensation and Employers’ Liability
• Employment Practices Liability
• Kidnap and Ransom
• Not-for-profit Trustees and Directors and Officers Liability
• Assets Used For the Production of Income
• Expatriate Coverage

The Customer Markets We Serve

Residential Real Estate

• Colonial and Modern
• Antique Homes and High Value Homes
• Vacation Homes – Domestic and Abroad
• Condominiums and Coops
• Rental Properties

Automobiles

• Family Cars
• Sports Cars
• Antique and Classic Cars
• Motorcycles

Hobby Assets

• Boats and Yachts
• Aircraft
• Equine