Walter McFall & Kremer Insurance

Walter McFall & Kremer Insurance is an independent agency that places personal and business coverage with several carriers, including Auto-Owners and Grange. Home and auto policies are the core of the personal side, with individual life, pet and yacht coverage also available. On the business side, the agency writes business owners, commercial auto, general liability and commercial property policies, plus workers' compensation, with programs for contractors, property managers, non-profits, manufacturers and retail businesses.

Because it is independent, the agency can compare options across carriers rather than sell a single company's products. Clients can report claims, request auto ID cards and certificates, pay bills and submit policy change requests through an online service center. The office is on Marshall Road in Kettering and is open on weekdays during business hours, and the agency's licensed advisors can walk through coverage questions before you buy.