When most homeowners purchase a policy, they assume they’re fully protected against whatever life throws their way. Unfortunately, that’s not always the case. While home insurance provides essential coverage for your dwelling, belongings, and liability, there are […]

As a business owner, you wear many hats throughout the day. From managing employees and serving customers to handling finances and planning for growth, your responsibilities seem endless. One critical area that often gets overlooked […]

Winter weather can transform a familiar commute into a challenging experience. Between black ice, reduced visibility, and heavy snowfall, the risk of road incidents typically increases during the colder months. Beyond the immediate stress of […]

One of the most common misconceptions among renters is believing their landlord’s renters insurance policy will protect their personal belongings in case of theft, fire, or water damage. Unfortunately, this assumption leaves millions of renters […]

A home inventory is a detailed list of personal belongings that can help homeowners and renters keep track of what they own. While it may not be something people think about often, creating and maintaining […]

When you own a business, you’re exposed to numerous risks that could threaten your company’s survival. From property damage to liability claims, workplace injuries to professional mistakes, the range of potential financial losses is vast. […]

What is Auto Insurance? Auto insurance is a contract between you and an insurance company that protects you against financial loss in case of accidents, theft, or other vehicle-related incidents. In exchange for paying regular […]

Running a small business is exciting, but it comes with risks you might not see coming. One of the biggest questions we hear at KMO Insurance is, “Do I really need business insurance?” The answer […]

Home ownership is one of the biggest financial and emotional investments most people will ever make. Your home is more than a structure; it is where your family gathers, where memories are built, and where […]

Life is full of changes, and as your circumstances evolve, so do your financial responsibilities. Whether you’re getting married, buying a home, or welcoming a new child, major life events can significantly impact your life […]