Do Motorcycle Riders Need More Liability Coverage?

Owning a motorcycle is thrilling, but there are more risks involved when it comes to riding it. Those who use their bikes regularly may need extra coverage to help protect them and the other people who are on the road. Before you begin using your motorcycle for regular transportation, you should learn more about the ways motorcycle insurance can add an extra layer of protection.

Extra Liability?

Motorcycle insurance differs from auto insurance in that it offers additional optional liability coverage for passengers. This is highly recommended if you plan to have a guest on your motorcycle at any time. Keep in mind that you are more likely to get into an accident, which could be your fault. Before you make a selection for your insurance, make sure to consult an insurance professional to help them assess your needs and offer common-sense options that fit your riding habits. 

Reliable Coverage

Getting a quality policy that offers reliable coverage is the goal when shopping for motorcycle insurance. The best way to accomplish this is by working with an agent at a respected insurance company. They can work closely with you to help you get comprehensive coverage that protects you when you are out on the open road. If you live around the Overland Park, KS area, you should contact HighPointe Insurance Services LLC to learn how you can get the right amount of coverage for your motorcycle. 

Riding a motorcycle carries additional risks, which is why motorcycle insurance is important to have before you ride. Call or stop by HighPointe Insurance Services LLC today to speak with an agent about the different options available to residents in the Overland Park, KS area. 

 

Kansas Motorcycle Law: What You Need to Know

The flatlands and open roads of Kansas state make it an ideal location for motorcycle enthusiasts. However, before you set off on the road, you should know all about the legal requirements that govern your ride.

  • All motorcycle drivers are required to maintain an active insurance policy on their bikes. HighPointe Insurance Services LLC can help you customize a policy for your Overland Park, KS equipment.
  • All riders under the age of 18 are required to wear a helmet. Adults over 18 do not have to wear a helmet. However, this equipment is an essential part of your motorcycle safety.
  • Eye protection must be worn while you’re on your bike. This can be eyeglasses, safety glass, or the visor of your helmet. If your bike has a windscreen that is at least 10 inches above the handlebars, you don’t need to wear anything else.
  • Splitting lanes and driving in-between moving vehicles is prohibited. However, it is legal for two motorcycles to drive side-by-side in a single lane.

Besides these safety requirements, all motorcycle drivers in Kansas must obtain a state motorcycle endorsement on their license before operating their vehicles. This can be done at your local DMV office. Getting the license involves 3 parts:

  • A written knowledge test about the laws and safety requirements of motorcycles
  • A training period for those under the age of 18.
  • A road test with a DMV official to test your skills.

If you need help finding the right insurance coverage for your Overland Park, KS motorcycle, contact the experts at HighPointe Insurance Services LLC. They can help you get the most out of your new mode of transportation.

When Is the Best Time to Buy Whole Life Insurance?

The agents at HighPointe Insurance Services LLC have the information you need if you want to purchase a whole life insurance policy. Individuals who live in Overland Park, KS can look to the agents if they want sound advice when it comes to purchasing any type of life insurance policy. They can go over your individual needs with you so that you understand what type of policy will work best for your situation.

Protect Your Family 

Whole life policies are written so that you can provide for your family if something happens to you. No one wants to think the worst, but it’s important to make sure your family is financially secure if the unthinkable would ever happen. Purchasing a whole life policy when you start a family will ensure they have what they need if you would happen to pass away before they can care for themselves.

Protect Your Business

Another good time to purchase a whole life policy is when you start a business. If you want to ensure your business can continue to thrive without your input, having a whole life policy in place will provide the necessary funds to keep the business going in your absence. 

Life insurance can be confusing. Don’t be overwhelmed! Contact the agents of HIghPointe Insurance Services LLC today if you live in or near Overland Park, KS. The agents specialize in life insurance policies and can provide you with the information you need to make an informed choice. Don’t be afraid to ask the hard questions! Contact an agent today to find out how a whole life policy will protect your family and your business! They have the answers!

Is Your Small Business Secure from Holiday Risks?

If you’re like most small business owners, you probably look forward to the holidays to boost sales and increase revenue. At the same time, the holidays pose greater risks to retail businesses in the form of liability claims, property damage and theft due to increased foot traffic and holiday help. The following tips from HighPointe Insurance Services LLC can help safeguard your retail business in Overland Park, KS against these risks during the holidays.  

Don’t Skimp on General Liability Coverage

Holiday sales can draw in crowds of shoppers, increasing your risk of accidental injuries on your business property. If a slip and fall sends a customer to the hospital, commercial liability coverage will cover medical costs. If the victim sues for damages, your liability coverage will help pay for legal fees and a settlement, up to the limits of your policy. Your HighPointe agent can help you determine how much commercial liability coverage to obtain for your budding enterprise during the holiday season.

Update Your Professional Liability Coverage

As the year comes to an end, many businesses push to meet quotas or complete major projects.  If your business offers services, working under pressure could cause an employee to make mistakes in judgment that could cost a customer financial loss. Professional liability protects your business against errors or claims of negligence in the services you provide.

Protect Your Business Property  

If you run a business from home, your computer, printer and other specialized business equipment are essential to your operations. Your home or renters’ insurance doesn’t cover business equipment, putting you at risk of shutting down if your equipment fails during the holidays. Commercial property coverage protects your business equipment against theft or damage due to an unforeseen disaster.

For more information about commercial insurance coverage, contact HighPointe Insurance Services LLC in Overland Park, KS.

 

Home Insurance Questions for First Time Home Buyers

Buying your first home can be an exciting time. There are many details that must be considered, however, to make sure that this huge, new investment is completed properly. The folks at HighPointe Insurance Services LLC are here to help you navigate these sometimes confusing waters. We are now serving Overland Park, KS and surrounding areas, and we are prepared to help you better understand home insurance issues. 

Don’t Procrastinate

If you are buying a home for the first time, you should not put off purchasing the homeowner’s insurance. When you procrastinate on this important decision, you will, later on, feel a crunch to make a hurried decision. When you make a rushed decision you will not consider your options as carefully and will probably not get the best deal. While you are finalizing the purchase of your house, you should also be shopping around for homeowner’s insurance. 

Pay Close Attention to Your Home Inspection

The home inspection is the key to understanding how much your home is going to cost you in maintenance and repairs. If there are warning signs during the home inspection, it can help you better purchase homeowner’s insurance policies that will really cover the costs of what you need. It is very easy to get caught up in the excitement of your new home purchase and begin to ignore the warning signs which the home inspection will bring to light. 

Shop Around

You will want to compare several different policies to make sure you are getting the best one for you and your family. Do not assume that all policies are created equal. 

Purchasing your first home can be exciting and exhausting. There are many details to consider. Homeowner’s insurance should be one of the most important details during this process. If you have further questions, please contact us at HighPointe Insurance Services LLC, now serving Overland Park, KS and surrounding areas. 

Tips to Help Keep You Safe When Driving in the Rain

More accidents occur when it is raining than when it is sunny outside. Rain decreases visibility and makes the roadways slicker. While you are not able to prevent every accident from occurring, there are steps that you can take to help keep yourself a bit safer, even when you are driving in the rain. HighPointe Insurance Services LLC, serving Overland Park, KS, wants to keep you safe on the roads. Here are a few tips that can help you do just that. 

Have Your Tires Inspected Prior to the Rainy Season

One of the best ways that you can stay safe when driving in the rain is to have your tires inspected prior to the rainy season. If the tread on your tires is worn, you may slide when you hit your brakes, which can lead to an accident. Having your tires inspected, and replaced if needed, can help you to stay safe. 

Use Your Headlights

Another tip is to turn on your headlights when driving in the rain. It may be hard for other drivers to see your car when it is downpouring. Having your lights on in the rain increases the ability of other cars to see you. 

Drive Slower Than Normal

Lastly, be sure to drive a bit slower than normal when it is raining. Roads are slick and what may normally be a safe driving speed may become unsafe in the rain. 

Taking these steps will help to keep you a bit safer when you are driving in the rain. Unfortunately, though, you cannot prevent every accident from happening, which is why it is important to have auto insurance that properly protects you. If you are looking for a new auto insurance policy in the greater Overland Park, KS area, turn to HighPointe Insurance Services LLC. Visit our website to get a free estimate today. 

3 instances where boat insurance can save you.

Congratulations on getting your own boat. You are probably wondering whether you need boat insurance or not. However, whether your boat is for commercial or recreation activities where you only use it a couple of months every year, having boat insurance is crucial.

In Overland Park, KS  boat insurance protects you from various perils not only in water but also outside the water. So what are some of the scenarios that your boat insurance may help? 

1. Damage while the water

Most boaters purchase boat insurance to help cover them from water-related damages when they are in the water. Collisions and other accidents are all covered by boat insurance. HighPointe Insurance Services LLC can help you get a suitable package if you are always in the water.

2. Damage outside water

Collisions and other damages can also take place outside the water. It is essential to understand that your boat is not only protected in water but also out of water during winter or at other times when not in use. Vandalism, theft, and fire are just some damages to focus on if you intend to focus on when buying insurance. Remember these are more common than collisions in water.

3. Saves you money during winter.

While many boat owners prefer to cancel their policies during winter to save money on insurance costs, it should surprise you to know that this may turn out to be costly in the long term. This is because some insurers offer discounts for every claim-free year. Canceling your policy before the year is over depletes your chances of making use of these discounts.

Boat insurance can save you in many ways. To learn more on boat insurance come to speak to us at HighPointe Insurance Services LLC in Overland Park, KS today. 

 

How umbrella insurance in Kansas can go very far

Making sure that you have quality insurance coverage is very important. When you are looking for insurance coverage it is natural to think about your needs for home, auto, medical, and other types of insurance. While having these types of insurance are very important for anyone in the Overland Park, KS area, there are other types of insurance that should be considered as well.

One type of insurance to consider getting is umbrella insurance, which is an additional type of coverage that is needed to provide you with additional liability protection. There are many reasons why you should consider getting an umbrella insurance policy in Kansas.

Gives Additional Liability Coverage

One of the main reasons why you should get umbrella insurance is that it will provide you with additional liability coverage on your existing policies. For example, if you have an auto insurance policy with $50,000 in liability coverage and are found liable for more money, you would have to come out of pocket. Umbrella insurance will provide you with additional coverage on top of these base policies. 

Covers Other Losses

Another benefit of umbrella insurance is that it will cover you for other losses. Depending on your profession, having umbrella insurance should be considered a necessity. For example, if you are a reporter, umbrella insurance will give coverage for libel and slander. This type of coverage will go a long way if you are sued for liability.

For those that are in the Overland Park, KS area, contacting HighPointe Insurance Services LLC is a great option. When you speak with the team at HighPointe Insurance Services LLC, you will learn more about the benefits of umbrella insurance. The team can then get you into a policy that is right for your situation. 

What Types of Vehicles Fall Into The Recreational Vehicle Category?

HighPointe Insurance Services LLC: Over Hill, Over Dale – Come See Us In Overland Park, KS

We service the outdoor and the indoor type of client. So make certain you come over and see us at High Point Insurance Services LLC located in Overland Park, KS

Read on to find out just exactly what is an RV – or recreational vehicle if you want to be proper about it.

By the time you finish reading this article, you will know exactly what a recreational vehicle is. No, it’s not just a vehicle that you play on. For that matter, your bus ride to work if you have the proper headphones and song tuned in may become a recreational vehicle. There’s no bus karaoke going on here

OK, we’re just funning you a little. We’ll tell you what a recreational vehicle is. 

A recreational vehicle is a motor vehicle or a trailer that is designed to accommodate people. That means this motor vehicle or trailer has to have living quarters. The different types of RVs are motorhomes, camper vans, caravans, travel trailers, camper trailers, fifth wheel trailers, pop-up campers and lastly truck campers. These wonderful creatures can be trailers only – meaning they are not motorized or they could be good to go with gas and a motor.  Because recreation is such an individualistic notion some people enjoy a recreational vehicle that has just the basic amenities. A place to lay your head in a place to cook up some grub. On the other hand, some people enjoy a lot more luxury with their recreation. As a result,  the luxurious recreational vehicle has perhaps two levels,  air-conditioning, and other posh amenities.

HighPointe Insurance Services LLC Is the type of agency that has employees who love to have fun. We don’t mind getting down to business when the time is right but do not try to hold us back from our recreation when it’s time to play. We can appreciate your love for the great outdoors because we love the great outdoors too.

What does condo insurance cover?

You need to know what is and is not covered on every insurance policy that you hold. You don’t want to wind up unable to cover losses that you thought were already under protection, so you’ll want to read the fine print, do your research, and, when shopping for providers with HighPointe Insurance Services LLC, don’t be afraid to ask questions.

So, what does condo insurance cover?

The long and short of it: Usually, just the building itself.

This means that it does not cover your belongings. Any damages that happen to the outside of the condo will be covered by your condo insurance, and many condo insurance policies will cover appliances and home repairs and so on, but beyond that you need to make sure that you have a personal property protection plan in place. Some condo insurance policies will have this provision by default, but that’s not something that you should take for granted. You may need to take out an additional policy in order to make sure that your valuables are protected in the case of theft or damages.

Because your condo insurance will typically be bought through your condo association, your options to shop around might be limited. Some condo associations will buy insurance that protects valuables in the event of a hurricane or fire, other will not.

Again, every policy is different, so you won’t know for sure what’s covered until you check. But in general, you can expect that your condo insurance only covers your Overland Park, KS condo and not much else. Talk to HighPointe Insurance Services LLC about buying additional insurance if you’re worried that you don’t have adequate protection.