Personal Insurance

Kerr-Boswell currently provides personal insurance products for several thousand customers in the greater Tri-Cities area, and we're growing every day.

Products we offer include:

Homeowners Insurance
Covers damage to your home, condo, and other personal use structures on your property such as garages and storage sheds. The policy provides protection against many common hazards including fire, smoke, explosion, sudden weather-related damages, theft and vandalism, among others. It also provides legal liability protection for claims made against you or a resident family member for property damage, bodily injuries, or death caused by unintentional acts. You may also purchase itemized coverage on valuable items such as jewelry, furs, cameras, musical instruments, silverware, fine arts and other collectibles.
Automobile Insurance
Covers your legal liability for legal responsibilities for accidents causing injuries or property damage to others. It also may provide physical damage coverage to pay for the cost of repair for damage to your vehicle caused by another vehicle or object, or possibly fire, theft, vandalism or glass breakage.
Personal Dwelling Fire
Provides coverage for damage to tenant-occupied dwellings you own against many common hazards including fire, smoke, explosion, sudden weather-related damages, among others.
Personal Umbrella Coverage
Provides an extra layer of Liability coverage over and above liability on homeowners, automobile, boat, and dwelling fire policies.
Personal Watercraft Coverage
Provides coverage for physical damage loss to boats, motors, and trailers. Also includes liability coverage while the boat is being operated.
Recreational Vehicle Coverage
Provides coverage for motor homes, campers, and other recreational vehicles.
Pet Insurance
Covers health, wellness and accident coverage for your domestic pets. Quotes are based on the age, breed of your pet. You may also choose the level of coverage you desire. When a pet becomes ill or injured, the cost can be overwhelming. Pet insurance is a wonderful way to protect you financially and still receive the care you pet requires.
Wedding Protector Plan
Protect your investment in one of the most important days of your life.

Our staff provides the following services:

Independent Agency Status
At Kerr-Boswell/Tri-Cities our personal lines clients have the advantage of working with an independent agency, which means we are not restricted to only having one company with whom we can place our client's personal insurance. We represent several companies that offer a wide range of products. All of our companies are "A" rated by the A.M. Best Company. This means that all our companies are financially sound, which translates to peace of mind for our clients in the event of a claim. Our principal personal lines carriers are Kemper Auto and Home, Southern Insurance of Virginia and Tennessee, Auto-Owners Insurance Company, State Auto Insurance Company, Harleysville Insurance, Utica National Insurance, Travelers Insurance, and Progressive Insurance Company.
Full Time Customer Service Agents
Here at Kerr-Boswell/Tri-Cities we have a team of full time Customer Service Agents (CSA's) dedicated wholly to the service of our personal lines clients. Our team can accept payments, process change endorsements, file claims, recommend coverage, and respond to any question our clients have regarding their personal insurance. They are all fully licensed and qualified to service our existing clients and also to solicit and sell all lines of personal insurance.
Inspections of Homes
All of our property carriers do an inspection of your home within the first sixty days of coverage. This is done to make sure that we have insured your home at the actual replacement cost. The inspections determine the square footage of your home and the general condition of the home. This allows us to make sure that if your home were to be destroyed by fire or any other type of covered loss that you could replace it at today's construction costs. This also identifies any potential liability hazards at your home.
Claims Service
Our clients enjoy two ways of notifying their insurance carrier of a claim. (1)They may call or come in the office and speak to their agent or our customer service agents. From that point our agent will report the claim to the company on your behalf. (2)They may also use a 24-hour toll free claims reporting line that allows them to speak directly to the company with whom they are insured. All of our personal lines companies have the 24-hour direct claims reporting. Therefore, day or night, at any time, our clients can speak to someone about a claim.
Company Diversity
We represent several companies for personal lines, and we represent these companies by a very specific design. All insurance companies have very specific "target markets." We have positioned our company representation in such a way that we offer competitive rating and sound coverages on virtually every type of home, auto, dwelling fire, personal umbrella, mobile home, and boat policy. This diversity allows us to address our clients' ever-changing insurance needs. We give our clients the power of choice.