Auto
Full-coverage car, motorcycle and RV insurance with accident forgiveness and roadside help built in.
- Liability, collision & comprehensive
- New-car & safe-driver discounts
- 24/7 roadside assistance
from $39/mo
Quote autoIndependent agency · Since 1989
Cover the life you've built.
From your first car to your family home, Keystone pairs you with a real, local advisor and shops 40+ top-rated carriers to find cover that actually fits - no jargon, no pressure, no call-center runaround.
- 50,000+ households protected
- 40+ carriers shopped for you
- 4.9/5 average client review
- 35 years serving the Midwest
What we cover
Coverage that fits real life.
One agency for every chapter - and one advisor who keeps the whole picture in view. Bundle two or more policies and most families save up to 27%.
Home
Protect the place you love - structure, belongings and liability - plus condo, renters and flood add-ons.
- Dwelling & personal property
- Replacement-cost rebuilding
- Water, theft & liability cover
from $28/mo
Quote homeLife
Term and whole-life plans that keep your family steady, with payouts most loved ones receive in days.
- Term, whole & final-expense
- No-exam options available
- Lock in today's healthy-age rate
from $18/mo
Quote lifeBusiness
From sole traders to growing teams - liability, property, workers' comp and BOP packages tailored to your trade.
- General & professional liability
- Commercial property & auto
- Workers' comp & cyber
from $55/mo
Quote businessAlso available: Renters Condo Umbrella Flood Pet Boat & RV Travel
Why Keystone
Insurance that works for you - not the other way around.
Because we're independent, we answer to you, not a single carrier. That means honest comparisons, advice in plain English, and an advocate in your corner the day something goes wrong.
- Truly independent. We compare 40+ carriers so you get the right fit, not the only option.
- One advisor who knows your name. No queues, no scripts - a direct line to your dedicated agent.
- We fight your claims. When you file, we advocate with the carrier to get a fast, fair payout.
- Bundle & save. Combine home and auto and most families cut up to 27% off their premiums.
- 35
- Years in business
- 50k+
- Households protected
- 4.9★
- Average client rating
- 98%
- Renew with us
Claims, made human
When life happens, we pick up the phone.
No scripts, no runaround - just a real advisor who knows your policy and walks you through every step until it's resolved.
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1
Report
Call, text or file online 24/7. One short form, no hold music, no repeating yourself.
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2
Assess
Your advisor reviews the details and gets a trusted adjuster moving - usually the same day.
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3
Resolve
We push for a fast, fair payout and keep you posted at every step until you're whole again.
Need to report a claim now? (800) 555-0142
In their words
Trusted by the families and businesses we cover.
★★★★★
“A tree came down on our roof in a storm and I was panicking. My Keystone advisor had an adjuster out the next morning and the cheque cleared in a week. They genuinely handled it for us.”
Marcus Bennett
★★★★★
“They bundled our home, both cars and a life policy and still came in cheaper than what we had. For the first time I actually understand what we're covered for.”
Priya Raman
★★★★★
“As a small-business owner I needed liability and workers' comp sorted fast. Keystone made it painless and checks in every renewal to make sure I'm still covered right.”
Hannah Whitlock
Good questions
The things people ask before switching.
Still wondering about something specific to your situation? Your advisor will talk it through, no pressure - that's what the free quote call is for.
Get a free quoteCompletely. A quote costs nothing and comes with no obligation. We're paid by the carriers when you choose a policy - so our advice to you is always free, and you're never charged a broker fee.
Usually, yes. Combining home and auto - or adding life and umbrella - unlocks multi-policy discounts that save most of our families between 15% and 27%. Your advisor will show you the bundled and separate prices side by side.
Almost always. Most carriers refund the unused portion of your premium when you cancel mid-term, so switching to a better rate rarely costs you anything. We'll time the changeover so you're never left with a gap in cover.
It depends on the cover - for auto it's driving history, vehicle and location; for home it's the build, age and claims history; for life it's age and health. We'll explain every factor in plain English and find the carrier that prices your situation most kindly.
That's the whole point of using an agency. When you file, your advisor steps in as your advocate - coordinating the adjuster, chasing updates and pushing for a fair, fast settlement so you're not navigating the carrier alone.