Kouri Insurance Agency

12/18/2024

Message is just as applicable today as it was 13 years ago. How time flies by!

Kouri Insurance supports Children's Miracle Network and encourages you to join the cause!

12/16/2024

Not sure it ever did, but an Apples to Apples insurance comparison no longer exists. It was never a great analogy with insurance, but there has never been a time in our 54 years of experience where insurance has differed as greatly as it does now. Especially true with property insurance - commercial or personal. If we use the fruit analogy, most comparisons are more accurately described as apples to oranges to bananas.

It is more important than ever to take the time to understand your coverage, especially when comparing a new quote to your existing plan. Pay special attention to deductibles and roof coverage. Many of those "great quotes" offer a high deductible home plan that only pays a portion of your roof damage. You will find companies vary greatly in these two areas. Does the reduced roof coverage start at year 1, year 5, year 10, or does it stay replacement cost? Know that percentage deductibles are based on the value of your home, not the size of the loss. As your home value increases, so does the size of the deductible.

There is nothing wrong with any of these options, but right now companies are all over the board on what they offer for coverage. Is the savings real, or is it simply a result of less coverage? If you make those same adjustments with your current company, is that rate now less?

Did you know that many of the well known online auto carriers don't necessarily offer their own home insurance? Your "bundle" may be with an online home carrier that is completely separate from your auto carrier. Same visit to quote both, but an entirely different experience when you need them for your home loss. Many of these online home companies offer modified contracts with costly restrictions. Will you save a few dollars now, only to potentially pay much more later?

Now, more than ever, you need to be an informed consumer when you are comparing coverage. You need to do your research. Double check that the offered savings is not due to reduced coverage. Make sure that the home and auto bundle isn't just a play on words. Having a quality auto policy with a no name home policy may not be in your best interest.

If in doubt, give us a call for a fair, informed review of your insurance.

12/06/2024

Proud to be a Partner of such a great cause!

11/19/2024

Feeling frustrated with your insurance? No claims but high rates? Call your agent!

You might be surprised at the money you are leaving on the table by not having a conversation with your agent. You may be carrying coverage you no longer need, carrying deductibles that are too low to be cost effective, not receiving discounts for updated shingles or furnaces, or missing coverage that you do need because life has changed.

In many cases, part of the answer to lower insurance premiums is a simple 5 minute call to your agent. If you feel they aren't listening, give us a call and we will provide an option that updates your insurance with a goal of lowering your costs.

Kouri Insurance 605-336-6303, a Trusted Choice insurance provider in the Sioux Falls area since 1970.

11/11/2024

Veterans Day is a time to honor and remember those who bravely served our country in the armed forces. We want to thank all those who have served, regardless of where you are or what you do.

Your dedication and commitment have given us the country we have today. We will never forget that.

Thank you for your service and for always being there for us. You are honored and appreciated.

09/09/2024

Stay safe on the road with Kouri Insurance Agency's reliable motorcycle coverage. Trust us to protect your ride and give you peace of mind.

09/06/2024

Proud to add National General, an Allstate company as a company we work with. High quality, high value insurance for your home and auto needs.

09/06/2024

As a business owner, you have a lot on your plate. Let us help you protect your business with our comprehensive business insurance solutions. We'll work with you to identify your unique risks and provide coverage that meets your needs.

09/04/2024

Are you a boater? Make sure you're protected on the water with our comprehensive boat insurance coverage. From liability to physical damage, we've got you covered.

09/02/2024

As an independent insurance agency, we have the flexibility to shop around for the best coverage and rates for our clients. We work with a variety of insurance carriers to ensure that you get the coverage you need at a price you can afford.