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Knippenberg Insurance Inc

608 N Mechanic St
Cumberland, MD 21502

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How Does Crop Insurance Work?

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Are you a new farmer? If so, you need to know about crop insurance. This vital tool can protect your farm from devastating losses in the event of a natural disaster or other unforeseen events.

Consult with Knippenberg Insurance Inc. in Cumberland, MD for expert advice on your insurance coverage.  Here, we will cover everything you need to know about crop insurance, including what it is, how it works, and why you need it. Read on below for all the details.

What Is Crop Insurance?

Crop insurance is a type of insurance that protects farmers from losses due to crop damage or loss. It can be purchased by farmers to protect themselves from losses due to weather events, pests, and other unforeseen events. Additionally, agricultural businesses can also purchase crop insurance to protect their crops from damage or loss.

How Does Crop Insurance Work?

Crop insurance plays a vital role in protecting farmers against financial risk. Farmers who purchase crop insurance pay premiums to private insurance companies, which in turn reimburse them for their losses. The amount of the reimbursement is based on the terms of the policy and the value of the crop at the time of loss.

Why Do You Need Crop Insurance

As a new farmer, you need to be aware of the risks involved in farming. These risks include weather events, pests, and other unforeseen events. While you can’t control the weather or prevent pests from damaging crops, you can protect yourself financially by purchasing crop insurance.

This insurance will help you cover your losses in the event of a disaster, allowing you to continue farming and providing for yourself and your family.

Purchase Crop Insurance Today

So, there you have it, everything you need to know about crop insurance. This essential tool can help you protect your farm from financial ruin in the event of a natural disaster or other unforeseen events. 

If you’re ready to get crop insurance, contact Knippenberg Insurance Inc. in Cumberland, MD and we will be happy to help you find the right policy for your needs. We have been helping farmers find the right policy for their crops and we are here to help you too.

Life Insurance FAQs

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Life insurance is one of the most important types of insurance you can purchase to benefit your family. At Knippenberg Insurance Inc. in Cumberland, MD, we provide personalized service for our customers and we can design an insurance plan that is right for them. We have access to many insurance carriers and it allows us to offer you more choices. 

Life Insurance FAQs

Is there a limit to how much life insurance I can have?

No, your finances are your only limit to how much life insurance you can have. You may get life insurance as part of a benefits package and you should have some of your own as well. You can also purchase it from different companies and have both whole life and term life insurance. 

Can my life insurance be canceled?

Yes, like any kind of insurance, your life insurance can be canceled if you don’t pay your premium. Most policies have a grace period, so if you are having financial difficulties, call your insurance company. If it’s discovered that you lied on your application for life insurance, your policy may be canceled as well. 

Can I choose anyone I want as a beneficiary?

Yes, the choice of beneficiary is strictly up to you. However, keep in mind that a minor will not be able to collect the benefit until they are of legal age in the state where they live. 

Can I borrow from my life insurance policy?

If you have a whole life policy and it has cash value accumulated, you can borrow against it. Term life insurance doesn’t accumulate cash value. 

Contact Us Today

Knippenberg Insurance Inc. in Cumberland, MD is here for you from the moment you purchase your policy through any claims you have. Give us a call or send us an email to discuss your life insurance needs. 

Who should get an auto insurance plan in Maryland?

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In the Cumberland, MD area, it would be a good idea to own a car as it will make life much more convenient as you will have an easier time getting around the community. Along with your car purchase choice, you also need to carefully select an insurance plan. There are various situations when someone in this part of Maryland should get an auto insurance plan to protect themselves and their vehicle.

Who Should Get Auto Insurance?

Those Driving on a Public Road

A common situation in which anyone will need to have an auto insurance plan is when they are going to drive on a public road. Any motorist that wants to use their car in Maryland is required to abide by the standard insurance laws. This includes requiring that all people carry liability insurance. If you are caught driving without this support, you will be in violation of state law. 

Those with a Loan Outstanding

You also should get an auto insurance plan if you have a loan outstanding. Taking out a loan to finance the purchase of a car is very common. If you choose to do so, it is important that you follow all the requirements. In many cases, this will include carrying auto insurance with full collision and comprehensive support. Without this coverage, you could be in violation of your loan agreement. 

Contact Us Today

People that live in the Cumberland, MD area need to ensure that they have proper auto insurance at all times. If you are looking for coverage here, it would be a good idea to call Knippenberg Insurance Inc. The professionals at Knippenberg Insurance Inc. understand the need and value of this coverage. They will help you choose a plan that keeps you in compliance with any insurance obligations you may have. 

Ways you can cover your business with commercial insurance

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The Cumberland, MD area can be a good place for someone to start and grow a business. If you do own a business in this region, you will enjoy the strong local economy and high population. While there can be a lot of opportunities for businesses to be successful, there are business risks as well. One way to mitigate some risks is by getting a commercial insurance plan.

This coverage can protect your business in various ways:

Cover Assets Owned by Business

One of the ways that your commercial insurance plan can protect your business is by covering your assets. Any business today is going to start to grow will need to invest in various assets including equipment, computers, and inventory. To ensure your company is protected, you will want to know these assets are protected. A great way to do this is by investing in commercial insurance as it will have a commercial property coverage component. 

Mitigate Liability Risks

Business owners should also be aware that they face liability risk on a regular basis. A great way that you reduce this concern is by getting liability insurance through a commercial insurance plan. This can help cover any damages that you may be held responsible for if you are liable in an accident.

Contact Us Today

There are a lot of ways that you can protect a Cumberland, MD area business with commercial insurance. As there is a lot of value in this coverage, selecting the right plan is a big decision. Once you are ready to start looking for a plan here, it would be wise to call Knippenberg Insurance Inc. The professionals with Knippenberg Insurance Inc. understand the value of this coverage and can help you build a plan that will properly protect your business. 

Why Home Maintenance Is Important

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When you own a home, you are going to be the only one who is in charge if something breaks. You won’t be able to call the landlord to fix it. You are going to be the one who takes care of your home Though you may not see the importance of maintaining a home, here are some reasons why it is. 

It saves you money. Though you may have to shell out money for maintenance, it is often cheaper to do that than to deal with the larger problem. A dirty filter can damage your HVAC unit. A clogged drain can burst, leaving you with a huge mess. Not only will you have to deal with the pipe itself, you may also have water damage in your floor and walls. This can be very costly to fix. 

It keeps your home running smoothly. If you don’t clean the filters in your furnace or HVAC unit, it is going to have to work harder to heat and cool your home. It may take more energy and fuel to keep the house at the right temperature. This will also save you money, because when you keep things efficient, your electricity and fuel bills won’t be as high.

It will increase the value of your home. If you decide to sell your home, and you haven’t taken care of it, it may not do well at your home inspection. You may end up having to repair a lot of things first. If you have kept after things all these years, you really shouldn’t have to worry about the inspection.  

If you want to make sure that your home is protected, don’t hesitate to contact us at Knippenberg Insurance Inc. in Cumberland, MD. 

What is farm and crop insurance?

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Farmers know that natural disasters such as fire, drought, and heavy rain can cripple their crop production for that year and future years. With many farmers dependent on a good year from their crops to survive, failure can have a devastating impact on many farms and their families. Luckily, agricultural producers, including farmers, ranchers, and others, can protect themselves against losing their crops and revenue by purchasing farm and crop insurance. When it comes to farm and crop insurance, there are three main types: multiple peril crop insurance, crop-hail insurance, and crop revenue insurance. Let’s explore both in greater detail below.

Multiple Peril Crop Insurance (MPCI)

MPCI protects farmers from crop losses caused by natural events, including disease, drought, destructive weather, fire, flooding, and insect damage. MPCI is a federal program and is regulated to ensure consistency and fairness. Insurance agents and companies, such as Knippenberg Insurance Inc. in Cumberland, MD, are licensed to sell MPCI policies. Currently, MPCI covers more than 120 different crops; however, coverage can vary from one geographic region to the next. 

Crop-Hail Insurance

If you live in an area where hail is a common occurrence, you can purchase a special insurance policy to protect crops most at risk of being ruined by hail. Crop-hail insurance is often purchased as a supplement with MPCI and can be bought at any point during harvesting.

Crop Revenue Insurance

In seasons when crops produce less than expected or the price of the crop is low, crop revenue insurance can be purchased to offset the loss in revenue. Using last year’s revenue as a baseline for the current year’s, the insurance company may help cover the difference. This policy protects farmers and their earnings from inflationary swings in crop prices and poor yields. 

A Closer Look At The Different Types Of Life Insurance Coverage

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Knippenberg Insurance Inc. serves the Cumberland, MD community, as well as the surrounding areas. For over 30 years, we have helped our clients obtain the coverage they need. We work with multiple carriers throughout the East Coast. This allows us to help people regardless of their needs. We are confident that we can help you find the coverage that you are looking for.

A Look At The Different Types Of Life Insurance Coverage

Many people enjoy taking things one day at a time. Perhaps you prefer to focus on visiting all the local Cumberland MD attractions and planning your next vacation. However, at some point, you have to start planning for the future. If you want to leave a legacy behind and a foundation for your loved ones, consider the benefits of life insurance. Life insurance provides a safety net for your loved ones as they cope with your passing. Life insurance helps your loved ones finalize your funeral arrangements and take care of your affairs. The policy can also help your children as they pursue higher education. Here’s a look at the different types of life insurance policies.

Term Life Insurance

Term life insurance policies provide coverage for a specified period of time. The average length of a term life policy is 15-20 years. Once the term expires, you’ll have to acquire new coverage.

Whole Life Insurance

Whole life insurance covers you throughout your entire life. It’s a stable form of coverage.

Universal Life Insurance

Universal life insurance covers you by providing guaranteed help with your funeral arrangements.

Knippenberg Insurance Inc. Will Help You Find Coverage

Visit our website to learn more information about life insurance.  

Do I need more than the state minimum insurance for my car?

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Most of us understand that auto insurance is required in almost every state in order to legally operate a vehicle. However, state insurance requirements will vary from state to state. Regardless of where you live, it’s a good idea to familiarize yourself with the minimum insurance requirements needed to legally drive. In addition, some situations may require you to purchase more coverage than the state minimum insurance requirements. Our team at Knippenberg Insurance Inc of Cumberland, MD is dedicated to educating Maryland drivers about the state’s minimum insurance requirements.

What are Maryland’s State Minimum Auto Insurance Requirements?

Maryland drivers are required to carry bodily injury, property damage, personal injury, and uninsured property/bodily injury liability insurance coverage. Each area of required coverage has certain minimum levels of coverage that must be met. 

Bodily Injury Liability Coverage

Drivers must carry $30,000 minimum per person and  $60,000 minimum per accident in bodily injury liability coverage. 

Property Damage Liability Coverage

: There is a $15,000 minimum property damage liability requirement.

Uninsured Motorist Bodily Injury Coverage

: Drivers must carry $30,000 minimum per person and  $60,000 minimum per accident in uninsured motorist coverage.

Uninsured Motorist Property Damage Coverage

A minimum of $15,000  in uninsured motorists’ property damage coverage must be carried. 

Personal Injury Protection (PIP)

There’s some flexibility when it comes to the personal injury protection coverage requirement. Drivers can opt to forego the $2500 minimum coverage requirement and instead choose a limited PIP option. 

Under What Circumstances Would You Need more than State Minimum Auto Coverage?

In short, if you don’t own your car and have an auto loan, you will likely be required to purchase comprehensive insurance. This is how the lender protects their investment in your car. If you damage/total the car before it’s paid for, the lender is protected and compensated, just as you are. If you have more questions about how much coverage you need as a Maryland driver, give us a call. We’d be happy to answer your questions. 

Reasons Life Insurance is Important

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There are several reasons to have a life insurance policy in place, including the peace of mind in knowing that your loved ones will be financially protected when you pass away. The agents at Knippenberg Insurance Inc. in Cumberland, MD are explaining the reasons life insurance is important to have and the different types of policies that are available to help you decide which one is best for you.

Reasons for a Life Insurance Policy

A life insurance policy is important to have in place for a multitude of reasons. One of them is the fact that the meaning of your debts can be paid off when you pass away which will relieve a large amount of stress from your loved ones. This is especially important if you are the main breadwinner of your family. Your loved ones will be grieving the fact that you have died, and a life insurance policy will help them to not worry about things like how to make the car payment or pay the house payment.

A life insurance policy can also help with your funeral and burial costs. Keep in mind if you have a small policy through your employer, though, that is usually only enough for your funeral and not enough to keep your loved ones financially stable.

Types of Life Insurance Policies

There are three main types of life insurance policies available.

Universal Life Insurance

The most popular life insurance policy choice for most people is a universal life insurance policy since you can borrow money from it while you are still alive. This means you can pay off large debts, such as your home mortgage before you pass away which will help you have a better quality of life before you die and will provide your family with security.

Term Life Insurance

Term life insurance policy is only paid out to your loved ones if you pass away during the term in which the policy is in effect. You get to decide how long each term is which can be one year or 50.

Whole Life Insurance

Whole life insurance, sometimes referred to as permanent insurance, will pay a death benefit when you pass away. The three major types of whole life insurance policies include variable universal life, universal life, and traditional whole life.

To decide upon the right life insurance policy for you and your family, contact the agents at Knippenberg Insurance Inc. in Cumberland, MD today!

4 Areas Covered by Auto Insurance

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Whether you are on the road with your first car or you’ve been driving for years, auto insurance is a must-have investment. Auto insurance is a safety net that protects you financially when you are on the road. Don’t wait for the worst to happen, yet you purchase auto insurance at Knippenberg Insurance Inc. today. 

Having the right coverage can make a huge difference between being relieved after an accident and being in financial distress. Here are the common areas covered by auto insurance.

Liability coverage

When you are in an accident, and at fault, you will be glad you had liability coverage. Liability coverage covers third-party expenses like legal costs if you got sued, property damage, or bodily injuries to others. Without this coverage, you are responsible for paying for these expenses, putting you at financial risk if the accident was significant.

Uninsured motorist coverage

Since auto insurance is mandatory in Maryland, don’t make the mistake of assuming every car is insured. You will find uninsured or underinsured motorists on the road. If these people crash into your car, this policy steps in and pays for the expenses incurred from the accident.

Physical asset coverage

Collision coverage covers the damages caused to your car regardless of who is at the fault of the auto accident. It also covers collisions with objects like a fence or tree. On the other hand, comprehensive coverage covers non-collision perils like vandalism, fire, theft, and natural disasters.  

Medical expenses coverage

PIP or MedPay coverage covers medical expenses for you and the passengers present at the time of the accident, regardless of who was at fault.

Auto insurance in Cumberland, MD

If you own a vehicle, be sure to get the right coverage that suits your needs. Ready to purchase your auto insurance policy? Contact us at Knippenberg Insurance Inc. for an affordable quote.

Partner Carriers

  • Allstate
  • Amwins
  • Chesapeake
  • Foremost
  • Frederick Mutual
  • Guard
  • Hagerty
  • K&K
  • Liberty Mutual
  • MetLife
  • National General
  • Nationwide
  • Progressive
  • Safeco
  • State Auto
  • Tapco
  • The Hartford
  • Travelers
  • Zurich