Kando Service Agency, Inc.
Office: 201-791-1880
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Franklin Mutual’s home insurance is available exclusively through a select group of local professional agents. We are proud to be selected to personalize a policy for the way you live.

Your home is more than an investment and place to live. It’s a safe haven where friends and family gather, memories are made, and your most valued possessions reside. Give your home and loved ones the protection they deserve with extensive property and liability coverage that can be customized to meet your needs and budget.

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Customize Your Coverage. Your home and its contents aren’t the same as your neighbor’s, so your homeowner policy shouldn’t be either. 
  • Less Exclusions, More Coverage

    ​Franklin Mutual's homeowner insurance policies clearly state in writing exactly what is excluded from coverage; losses from any other causes are covered. In addition, your personal property is written on a replacement-cost basis, meaning you’re reimbursed for what it costs to buy new regardless of depreciation due to age or wear and tear.
  • Added Protection with Extended Limit Homeowner Endorsement
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    ​For the ultimate in financial protection, Franklin Mutual Insurance offers an extended limit homeowner endorsement. If the cost to rebuild or repair your damaged home exceeds the coverage limit on your policy, we will pay up to 150% of the stated limited

  • Money Saving Discounts
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    Customer loyalty
    New homes (less than 12 years old)
    Alarms and alarm systems
    Fire sprinklers
    Mature homeowner (Age 55+)
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    Higher deductibles

Condominium or Renter's Insurance

As a condominium owner, you don’t have to paint the house, cut the grass or shovel snow, but you will need to protect yourself and your personal belongings with condo insurance. While your condo association likely carries insurance for the building and certain common areas, you need a condo policy to provide coverage for:
  • The permanent fixtures, appliances and upgrades in your condo for which you are responsible
  • Your personal property – anywhere in the world
  • Legal liability for injury or property damage to others
  • Loss assessment
  • Additional living expenses should your condo become temporarily unlivable due to covered damage

​As a renter, your landlord insures the apartment building, condominium or home you live in, but it's up to you to protect yourself and your personal belongings.
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Money Saving Discounts
You may be eligible for savings with discounts for:
  • Customer loyalty
  • Alarms and alarm systems
  • Mature homeowner (Age 55+)
  • Higher deductibles
Landlord Insurance 

As a landlord renting out your property to others, we recognize the unique challenges you face - like finding the perfect tenants, keeping up with the maintenance and worrying about lost income if your property suddenly becomes uninhabitable. We can help you find coverage for:
  • Your one-to four-family tenant-occupied rental property
  • Other structures on the property
  • Appliances and furnishings you provide for your tenant's use
  • Personal liability
  • Loss of rental income
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Money Saving Discounts
You may be eligible for savings with discounts for:
  • Alarms and alarm systems
  • Higher deductibles

Flood Insurance

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Flood Insurance through Wright Flood Insurance Company and The Hartford
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Insuring a home, business or property from a catastrophic flood loss can be confusing​. We write policies through Wright Flood and The Hartford.

Wright Flood's sole focus is federal flood insurance and excess flood insurance. They are committed to helping property owners and their agents assess their flood risk, and properly insure it through the National Flood Insurance Program (NFIP).


Wright Flood enjoys a strong reputation for excellence with FEMA and participates on industry councils and advisory boards in Washington, D.C. to strengthen the flood program that serves 5.6 million flood policyholders. ​​

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The Hartford is one of the largest flood insurance writers in the country, having written flood insurance through FEMA’s National Flood Insurance Program for over three decades. 

​The Hartford wants to be your go to flood market for both Personal Lines and Commercial Lines. Their dedicated flood sales and transfer teams want to earn your business by making it easy to do business and providing exceptional service for both you and your customers.


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​Serving New Jersey from Fair Lawn Since 1960
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6-16 Saddle River Road
Fair Lawn, NJ 07410
​201-791-1880 Call
​201-797-6689 Fax
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