Personal & Business Insurance Solutions

Coverage for What Matters Most

From your home and vehicles to your family, business, and future, KMK Insurance Agency helps you find coverage that fits your needs.

As an independent insurance agency, we work with multiple insurance carriers instead of being limited to one company. That gives our local team the ability to compare available coverage options, explain the differences, and help you make an informed decision.

Local. Independent. Experienced.

Serving Cumberland and the surrounding region since 1963.

Insurance for Every Stage of Life

Your insurance needs can change over time. Buying a home, adding a vehicle, starting a family, growing a business, or planning for the future can all change the protection you need.

KMK Insurance Agency can help with personal, business, life, and specialty insurance—all with the convenience of working with a local independent agency.

Personal Insurance

Protect the things you use and depend on every day.

We can help you explore coverage for:

• Auto Insurance

• Homeowners Insurance

• Renters Insurance

• Condo Insurance

• Umbrella Insurance

• Motorcycle Insurance

• Boat Insurance

• RV Insurance

• Classic & Collector Cars

• Landlord & Rental Properties

Whether you're buying your first home, adding another vehicle, or simply reviewing your current coverage, we'll help you understand your options.

Business Insurance

You've Built Your Business. Let's Help Protect It.

Every business has different risks.

KMK Insurance Agency works with business owners to review their operations, property, vehicles, employees, liability exposures, and other potential risks so we can help identify appropriate coverage options.

Business insurance may include:

• General Liability

• Commercial Property

• Business Owners Policies

• Workers' Compensation

• Commercial Auto

• Commercial Umbrella

• Professional Liability / Errors & Omissions

• Cyber Liability

• Builders Risk

• Contractors Insurance

• Garage Insurance

• Employment Practices Liability

• Directors & Officers Liability

• Product Liability

• Restaurant & Hospitality Insurance

• Liquor Liability

• Special Event Insurance

• Surety Bonds

From small local businesses to growing companies, our goal is to make business insurance easier to understand and easier to manage.

Life Insurance

Protect the People Who Depend on You

Life insurance isn't really about you. It's about helping protect the people you leave behind.

The right life insurance policy can help provide financial support for:

• Mortgage payments

• Final expenses

• Lost income

• Outstanding debt

• Education expenses

• Family financial needs

• Long-term financial goals

KMK Insurance Agency can help you review available life insurance options, including term and permanent coverage.

Term Life Insurance

Term life insurance provides coverage for a specified period of time and can be an affordable way to help protect your family during important financial years.

Permanent Life Insurance

Permanent life insurance is designed to provide lifelong protection and may be appropriate for customers looking for coverage that extends beyond a specific term.

Erie ExpressLife

For eligible customers, Erie ExpressLife may provide a convenient way to apply for life insurance with a simplified process.

We'll help you understand the differences and determine which available options make sense for your needs and budget.

Home & Property Insurance

Your Home Is More Than Four Walls

Your homeowners insurance should help protect more than the structure itself.

KMK can help you review coverage for your:

• Dwelling

• Personal belongings

• Personal liability

• Additional living expenses

• Deductibles

• Replacement cost options

• Valuable items

• Water backup

• Equipment breakdown

• Service lines and other available endorsements

We can also help with renters, condominium, landlord, mobile/manufactured home, and other property coverage when available.

Auto & Recreational Vehicle Insurance

Coverage for the Road—and Beyond

Whether it's your daily driver or the vehicle you save for the weekend, having the right coverage matters.

KMK can help you explore insurance options for:

• Cars and trucks

• Motorcycles

• Classic and collector cars

• RVs and campers

• Boats

• ATVs and off-road vehicles

• Other recreational vehicles

We'll help you review liability limits, comprehensive and collision coverage, deductibles, uninsured/underinsured motorist protection, rental reimbursement, roadside assistance, and other available options.

Specialty Insurance

Some Things Need More Specialized Protection

Not every risk fits neatly into a standard auto, home, or business policy.

KMK Insurance Agency can also help customers explore specialty coverage such as:

• Classic & Collector Car Insurance

• Flood Insurance

• Landlord Insurance

• Special Event Insurance

• Bonds & Surety

• Valuable Items Coverage

• Recreational Vehicle Coverage

• Other specialty risks

Not sure where your situation fits? That's exactly why we're here.