Homeowners, Renters, & Flood Insurance

As an independent insurance agency, the agents at Kerndt Brothers represent many different insurance groups. That means we can search for the best coverage at the best price for all of your property needs.

Among many types of insurance, let the licensed professionals at Kerndt Brothers explain how the following plans will protect you:


Your home is your castle; the place you go to feel safe and protected. This personal insurance covers you against the loss of your property, structures, possessions, and assets. It also protects you from liability for accidents that may occur at your property. The agents at Kerndt Brothers can customize a plan that will help you repair or replace your home and contents. We also offer you additional coverage based on your individual needs.

Mobile Home

The licensed agents at Kerndt Brothers will help protect your manufactured, modular, or mobile home with the right type and amount of insurance. We listen and determine the best types of coverage for you. Our insurance plans can cover detached structures, physical damage to your home, living expenses for you when your home is damaged, contents, and injuries that may occur on your property.

Renters Insurance

Many renters don’t think they need insurance; don’t be one of those people. While your landlord carries insurance on the rental building or structure, you need to protect your possessions and to protect yourself against personal liability claims. Accidents happen. You can’t always prevent leaking pipes, severe weather, theft, or injuries in your rental. Kerndt Brothers will help you calculate how much insurance you need to protect yourself and to replace all your valuables—clothing, electronics, furniture, appliances—at fair market value.

Seasonal and Vacation Dwellings

Do you own a vacation property? Do you spend half the year as a snowbird? The independent insurance agents at Kerndt Brothers will make sure your vacation home is properly protected. Our experienced and friendly staff will find just the right comprehensive plan to ensure your seasonal property is covered for liability, loss, and accidental damage.

Flood Insurance

When floods hit, they wipe out everything in their path. Many people don’t realize that homeowner’s insurance does not cover flood damage. According to the National Flood Insurance Program, the average flood insurance claim during the last ten years was $33,000.

Flood insurance just makes sense.

With preferred risk policies beginning as low as $119 per year, flood insurance is a good investment.

In 1856, the Kerndt brothers began our business here in Lansing, Iowa and we’ve been protecting the interests of Iowans ever since. But we know you don’t have to live near a river to be at risk for a flood. There are many causes for flooding, including flashfloods, broken drainage systems, living in a flood plain, and mudslides.

As an independent insurance agency, the friendly staff at Kerndt Brothers represents dozens of different insurance companies. This allows us to compare costs and policies and offer you customized and economical flood insurance.

Let the licensed experts at Kerndt Brothers Insurance answer all your questions and provide you with peace of mind. You can afford flood insurance. We’ll make sure you’re protected … just as we’ve been doing for others for nearly 158 years.

*Insurance and investment products are not FDIC insured, not insured by any federal government agency, not deposits, not guaranteed by the bank and may go down in value.