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CURIOUS? Check our insurance rates!

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CURIOUS? Check our insurance rates!

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About Kerns Insurance

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Protecting You and Your Family

Kerns Insurance Agency is an independent insurance agency. As an independent insurance agent, I am able to provide quotes from many different carriers so you get exactly what you need for the best price. I sell almost every type of insurance. If I don’t sell it, I will get you connected to a trusted company who does. Examples of the types of insurance I sell are: 

  • Home & Auto
  • Boat, Trailer, Motorcycle & ATV
  • Event Liability Coverage
  • Commercial Business & Farm
  • Health (Medicare Advantage, Supplements, Prescription Drug Plans)

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How I Do Business

I believe in being honest and upfront with people. I don’t believe in selling insurance you don’t need, and I don’t believe in selling you insurance that doesn’t cover what you need it to cover. I will always be upfront and honest, even if the news is not necessarily what you want to hear. Being a small town insurance agent/owner is perfect for me. My clients are not just a number or a faceless application; they are people I see and interact with when I go to the grocery store or my kid’s sporting events or see at a local restaurant. So, if you want an agent who is honest, tells it like it is and will treat you like family, stop by and see me. 


About Us

Ed Kerns, Agent/Owner

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Ed is the owner and agent at Kerns Insurance Agency. He grew up in Loogootee, IN. His mom and dad are the late Richard Kerns and Sharon Kerns. His sister is the late Misty Kerns. 


Ed spent his early years as a police officer.  He has worked in restaurant management, logistics and in life insurance sales. Ed has an associate's degree from Vincennes University  Criminal Justice and a bachelor's degree from Oakland City University in business.


He lives in Loogootee with his wife and family.  He is a busy father of five kids: Gage, Colt, Broc, Trinity and Carter. 


Karmen Wagler, Office Manager/CSR

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Karmen works as the office manager and customer service representative for Kerns Insurance.  Karmen grew up in Loogootee and has had the privilege to spend a few years in Houston, TX and Cincinnati, OH.  Karmen attended the Loogootee school system and is a graduate of Loogootee High School. She went on to graduate from University of Southern Indiana with a Bachelor's in Nursing.  She's currently attending Chamberlain University to complete her Master's in Nursing.


Karmen is a Registered Nurse and has worked in a variety of areas including geriatrics, pediatrics, emergency department, quality, schools and public health.  She is the proud mom of four children and lives on a small family farm in the country.  Karmen is  passionate about many causes including autism (caring for those on the spectrum and preventing future cases), healthy lifestyle activities/quality of life initiatives, and preserving not only our Constitution but the spirit of individual liberty established by our Founders.

Derek Harrell, Agent

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Derek works as an agent for Kerns Insurance.  He grew up in French Lick, Indiana.  Derek is a graduate of Springs Valley High School and of Vincennes University.  He's had five years of experience in the insurance field. 


Derek is the proud dad of two boys, Max and Wesley.  He's very passionate about the development of children.  Derek says, "I think it is very important that kids have a role model to look up to, which is why I volunteer as a coach for my kids' athletic teams."


Derek joined Kerns Insurance in July of 2019.  He can help you with any of your property & casualty needs.

Contact Us

Office: (812) 295-9737

Mobile: (812) 709-9737


E-mail: edkerns@kernsinsurance.com

Facebook: Kerns Insurance 

Kerns Insurance

122 Church Street, Loogootee, Indiana 47553, United States

812-295-9737

Hours

Open today

09:00 am – 05:00 pm

* Evening and weekend hours by appointment.  Call 812-709-9737.