Personal Needs from Kohler & Green Insurance
At Kohler & Green Insurance, we understand that life comes with uncertainties—but your peace of mind shouldn’t be one of them. That’s why we offer a wide range of personal insurance solutions designed to protect your home, your health, your vehicles, your lifestyle, and your legacy. Based in Fort Smith, AR, we work closely with individuals and families to provide personalized protection that fits your life and your budget.
From homeowners insurance to life insurance, auto coverage to umbrella liability, our goal is to help you safeguard what matters most. Whether you're buying your first car, renting your first apartment, or securing your family’s future, Kohler & Green has the right coverage for your unique needs.
Why Personal Insurance Is Essential
Personal insurance gives you financial protection when unexpected events occur—fires, storms, accidents, theft, and even lawsuits. Without it, these events could lead to devastating out-of-pocket costs. Our plans are designed to minimize risk and maximize peace of mind, offering protection that’s as practical as it is personal.
Our wide range of insurance products ensures that you’re covered at every stage of life. We take the time to understand your situation, explain your options clearly, and help you choose the best policies for your needs.
Homeowners Insurance: Protecting the Place You Call Home
Your home is likely your biggest investment—and it deserves comprehensive protection. Homeowners insurance from Kohler & Green covers:
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Structural damage due to fire, wind, or storms
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Theft or vandalism
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Personal property losses
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Liability protection for injuries on your property
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Additional living expenses if your home becomes uninhabitable
We tailor each policy to your property, location, and lifestyle so you get exactly the coverage you need without paying for what you don’t.
Renters Insurance: Affordable Protection for Apartment Dwellers
Even if you don’t own your home, your belongings still matter. Renters insurance is an affordable way to protect your valuables from fire, theft, or water damage. It also offers liability protection if someone is injured in your apartment.
At Kohler & Green, we help tenants find quality coverage that ensures they’re not financially vulnerable in a crisis—even on a budget.
Auto Insurance: Reliable Coverage for Every Drive
Driving comes with risks—from minor fender benders to major collisions. Our auto insurance policies provide comprehensive protection for drivers in Fort Smith and beyond.
We offer:
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Liability coverage
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Collision and comprehensive insurance
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Uninsured/underinsured motorist protection
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Medical payments coverage
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Roadside assistance and rental reimbursement options
With Kohler & Green, you get affordable premiums, reliable claims service, and coverage options that fit your vehicle and driving habits.
High-Risk Auto Insurance: We Don't Turn You Away
If you’ve had a DUI, multiple traffic violations, or lapses in coverage, you may be considered a high-risk driver. Don’t worry—Kohler & Green Insurance specializes in helping drivers obtain high-risk auto insurance at competitive rates.
We work with carriers that understand your situation and help you get back on the road legally and affordably.
Umbrella Liability Insurance: Extra Protection When You Need It Most
Accidents happen—and sometimes, the costs go beyond the limits of your existing policies. That’s where umbrella insurance comes in.
An umbrella policy provides additional liability coverage above your home, auto, or boat policies. This can protect you against costly lawsuits resulting from:
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Serious auto accidents
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Injuries on your property
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Defamation claims
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Property damage to others
We recommend umbrella policies for anyone with significant assets, high public visibility, or a lifestyle that increases liability exposure.
Boat & Yacht Insurance: Smooth Sailing with Solid Coverage
Whether it’s a weekend boat or a luxury yacht, your watercraft is both a passion and an investment. Boat and yacht insurance from Kohler & Green offers coverage for:
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Damage from storms or collisions
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Liability in case of injury or property damage
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Theft and vandalism
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Towing and emergency assistance on the water
We help you enjoy life on the water with confidence, knowing your vessel and guests are protected.
Valuable Property Insurance: Specialized Protection for Your Most Prized Possessions
Your standard homeowners or renters policy may not fully cover high-value items like:
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Jewelry
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Fine art
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Collectibles
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Antiques
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Musical instruments
Valuable property insurance provides added coverage and often broader protection, such as accidental loss or mysterious disappearance. At Kohler & Green, we’ll evaluate your items and recommend the right solution to preserve their worth.
Individual Health Insurance: Your Wellness, Covered
Health care costs continue to rise, and being uninsured can be risky and expensive. Our individual health insurance plans help you manage medical expenses, protect against unexpected illness, and access the care you need.
We offer:
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ACA-compliant major medical plans
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High-deductible health plans (HDHPs)
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Health Savings Account (HSA) compatible plans
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Short-term medical insurance
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Supplemental coverage options
We’ll help you compare providers, understand deductibles and premiums, and find a policy that supports both your health and your wallet.
Computers Insurance: Protect Your Devices and Data
In today’s digital age, your personal electronics are essential. Computers insurance helps cover the cost of repairing or replacing laptops, desktops, and other digital equipment if they’re damaged or stolen.
Our policies may include:
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Accidental damage protection
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Coverage for power surges or electrical failures
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Theft and vandalism
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Data recovery options
Whether you work from home or just rely heavily on your tech, we ensure your digital life is safe from unexpected damage or loss.
Term Life Insurance: Affordable Protection for the Ones You Love
Term life insurance offers simple, budget-friendly coverage for a set period—typically 10, 20, or 30 years. It’s ideal for:
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Covering mortgage or debt
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Replacing lost income
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Funding college expenses for children
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Supporting your spouse or dependents
If you pass away during the policy term, your beneficiaries receive a tax-free death benefit. We help you determine how much coverage you need and what length of term is best for your goals.
Whole Life Insurance: Permanent Coverage with Cash Value
Unlike term policies, whole life insurance provides lifelong coverage with a guaranteed death benefit and a savings component that grows over time.
Benefits include:
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Fixed premiums that never increase
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Cash value accumulation you can borrow from
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Estate planning and wealth transfer advantages
Kohler & Green works with top-rated life insurers to build whole life plans that support both your protection and financial goals.
Universal Life Insurance: Flexible Coverage for Evolving Needs
Universal life insurance offers both lifelong protection and the flexibility to adjust your premiums and death benefits as your needs change.
Key features include:
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Adjustable coverage and payments
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Tax-deferred cash value growth
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Optional riders like long-term care or critical illness
Whether you want to build cash value, protect your family, or leave a legacy, universal life insurance gives you control over your financial future.
→Personal NeedsPersonal Needs in Fort Smith, AR from Kohler & Green Insurance
