Licensed Insurance Agent · Puerto Rico

Know what your insurance
actually covers.

Kenneth S. Krans Negrón

Coverage reviews for homeowners, business owners, and people moving to Puerto Rico. I go through your policies with you, explain what matters, and lay out your options — in English or Spanish.

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Kenneth S. Krans Negrón, Licensed Insurance Agent, Puerto Rico
25+ Years in Insurance
PR Based in Puerto Rico
ES · EN Fully Bilingual

Life moves on — property values rise, businesses grow, families change. It’s easy to let years pass without checking whether what’s on paper still matches what’s actually at stake. A review is how you find out before a claim, not during one.

What brings you here?

Start with your situation.

You may not know which policy or endorsement you need. You do know what’s happening — buying a home, adding employees, moving to the island, or reviewing what you already carry. Start there.

🏠

Homeowners & Buyers

Buying, renewing, or newly mortgage-free. Property, windstorm, earthquake, and flood — know what yours actually does. Property coverage →

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Business Owners & Professionals

General liability, commercial property, professional liability, and bonds — coverage that keeps the operation running. Business coverage →

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Moving to Puerto Rico

You moved to Puerto Rico. The risk environment here is different from the mainland — wind, flood, earthquake, and local carrier rules — and that’s what I focus on. What changes about your insurance →

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Already a Client

Need help with a current policy, a renewal, or a quick question? Reach me directly. Ask a question →

What happens during a review

I treat every client’s situation as if it were my own.

That means I look at the full picture — life, disability, property, liability, business continuity — and tell you what I see, including the parts that are easy to overlook, like whether your limits still match what it would cost to rebuild today.

What a coverage review actually looks like:

  1. You send me the declarations pages from your current policies.
  2. I read your limits, policy forms, and endorsements against today’s rebuild cost, your income, and your real exposures.
  3. You get a plain-English summary of what looks solid, what to confirm in your policy, and your options.
  4. No obligation, no pressure. What you do next is up to you.

A clear picture of where you stand and what it would take to close the gap.

Let’s have that conversation →

Auto

Liability, collision, comprehensive, deductibles, and GAP, explained plainly. Read the auto insurance guide →

Life & Disability

Income protection and long-term financial security for you and your family. See disability coverage →

Property & Casualty

Coverage that matches what it would actually cost to rebuild, today, not five years ago. Read the property guide →

Business Continuity

What happens to your operation if something happens to you? See business & commercial coverage →

Articles

Straight talk on insurance.

No jargon. No sales pitch. Just an honest look at how coverage actually works — and where it tends to fall short.

Property Insurance

Do Your Limits Still Match Your Life? What a Real Policy Review Looks Like

You set your limits once, years ago. Here are the five things a real review actually checks — and why 'covered' and 'made whole' are not the same thing.

September 2026 Read →
Property Insurance

Yes, You Probably Do Have Earthquake Coverage in Puerto Rico. That’s Not the Problem.

Most insured owners here already have it, built in and required by the lender. The real risk is not understanding the deductible, or the structures your policy quietly leaves out.

July 2026 Read →
Travel Insurance

The Travel Coverage You Think You Have. And Probably Don’t.

Your health plan often stops at the water, Medicare generally won't cover you abroad, and a medical evacuation can run into six figures. What actually protects you abroad.

August 2026 Read →
View All Articles
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If it’s been more than two years since someone did a real review —

Not a renewal call. Not a quick email. An actual review of your current limits against your current reality. That conversation is worth having.

Schedule a Conversation

Or call directly: 787-960-2882