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Picking You Back up When You Fall Down

Walter McFall & Kremer Insurance is here for you with the right insurance coverage and service.

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As an independent agency, we are here to help you find the right coverage.

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The Advantage of an Independent Agency Working for You

What makes our independent agency different?

  • We represent multiple insurance companies.
  • We are licensed insurance advisors.
  • We are by your side every step of the way.
  • We offer a wide variety of insurance solutions.
  • We are there for you in your time of need.
Find Out How

Walter McFall & Kremer Insurance

Learn more about our agency.

We are an independent insurance agency with one priority—you. Our clients are the focus of everything we do, and that’s why we strive to build long-lasting relationships with every single one of them. We take the time to get to know you and your unique risks in order to help you protect what matters most.

We’ve been serving Kettering, OH, and the Miami Valley region of Ohio for over 84 years since our founding in 1936, and four generations of our family have passed through our doors. That means we have a genuine and trusted understanding of our communities and the risks you face living in them. With our experience and knowledge, we can help bring you peace of mind through a blend of insurance coverage, service, and price.

Expertise You Can Trust
Personalized Service
Customized Coverage

The Solution To Your Insurance Needs

Providing a variety of personal insurance and business insurance solutions is what Walter McFall & Kremer Insurance does best.

Personal Insurance

Trusted advice and insurance solutions to protect what matters most.

Business Insurance

Coverage and risk management solutions for companies of all sizes.

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+ Trusted Choice

We strive to uphold Trusted Choice’s long-standing commitment to service.

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Walter McFall & Kremer Insurance
+ Ohio Insurance Agents Association

We have access to OIA’s exclusive resources to help bring you quality coverage.

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What Makes Walter McFall & Kremer Insurance Special

Here’s what sets us apart when it comes to serving your insurance needs.

Clients Come First

With over 3,000 satisfied clients, you can trust us to go the extra mile to exceed your expectations.


Four generations of our family have been here to help our community find trusted insurance.

Experienced Agents

With 84+ years in business, we understand what it takes to bring you quality coverage.

Serving Ohio and Beyond

We are proud to serve clients throughout Ohio and the Miami Valley region, including Kettering, OH, Kettering, OH, Centerville, OH, Oakwood, OH, Englewood, OH, Springboro, OH, and Beavercreek, OH. We are also licensed to serve clients in Kentucky, Michigan, and Tennessee.

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Get a glimpse of the risks you face and how your insurance can protect what matters most.

Bodily Injury Liability Coverage
Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.


Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage
Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.


The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Medical Payments Coverage and Personal Injury Protection
Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.


Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.

Uninsured / Underinsured Motorist Damage Coverage
Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.


Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage
Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.


Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Rental Coverage / Loss of Use
Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.


Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

Auto Insurance 101

Make sure you cover the unique risks you face with auto insurance.

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  • Discover your risks.
  • Get the right coverage.
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  Contact Walter McFall & Kremer Insurance

As an independent agency, we are here to help you find the right coverage.

  • Please do not include sensitive, private information in this area.
  • This field is for validation purposes and should be left unchanged.

Kettering, OH

4080 Marshall Road
Kettering, OH 45429

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