Does RV Insurance Cover Items I’m Towing?

At HighPointe Insurance Services LLC in Overland Park, KS, we understand that RV owners have many questions about their insurance coverage. One of the most common questions we hear is whether RV insurance covers items being towed.

Here’s what you need to know about coverage for towing items behind your RV:

Overview of RV Insurance Coverage

RV insurance can cover many things, from liability coverage if you cause an accident to comprehensive coverage for damage due to fire, theft, or natural disasters. For items being towed behind your RV, consider the complexity of the coverage.

Towing Items with RV Insurance

When towing something behind your RV, it’s essential to understand what your insurance covers. In most cases, your RV insurance policy will include liability coverage for damage you cause to other people’s property while towing something. However, with damage or theft of the items you’re towing, coverage can be more limited.

Additional Coverage for Towed Items

Several options are available if you want more protection for the items you tow behind your RV. You could consider adding additional coverage to your RV insurance policy, specifically for the items being towed, or purchase a separate insurance policy. For example, if you’re towing a boat, you may need a different boat insurance policy. Another option is buying a towable insurance policy, which can provide coverage specifically for towing items. Your insurance agent can provide information on these options.

So, does your RV insurance cover items you’re towing? It depends. The best way to ensure you have the right coverage is to talk to a trusted insurance advisor like those at HighPointe Insurance Services LLC in Overland Park, KS.

Beginners Guide: Here’s How Condo Insurance Works

Owning a condo is always an exciting experience because you will no longer have to pay rent. However, condo owners have responsibilities, like getting condo insurance which you should embrace. Condo insurance provides financial protection if something happens to your condo, whether new or old.

What Is Condo Insurance?

Condo insurance is a special policy that owners purchase for protection against damage, theft, and repair expenses. Acquiring condo insurance is not mandatory in Overland Park, KS, but it can save you long-term costs assuming something happens to your property.

Generally, the condo association insurance is for the common/shared properties within your condos, like the gym and swimming pool. This means that the association insurance does not cover your personal property, and that’s why you should have one. A personal condo insurance policy will cover your personal property and the costs of repairs.

When you apply for condo insurance, your insurer will most likely visit your condo to assess your personal property and its possible associated risks. The insurance agent of HighPointe Insurance Services LLC will then help you choose the ideal condo insurance policy based on your unique condo needs. If theft or any other unfortunate event you have insured for happens, you can file a compensation claim.

Is Condo Insurance Worth It?

Yes, condo insurance is essential if you have valuable properties and need compensation in case of any risks. Other than the compensation, your insurer can repair the damaged property, help you acquire newer ones, and even cover the costs of temporary residence if you have to move out.

Contact Us

If you need condo insurance in Overland Park, KS, contact HighPointe Insurance Services LLC for quick assistance. We are proud to serve you as we explain the available condo options.

Will my renter’s insurance cover the laptops that were stolen from my car?

Regardless of whether we rent our homes, we want to protect our belongings and the things we’ve worked hard for. Renters’ insurance creates peace of mind for renters who want to protect their belongings. Investing in renters insurance is typically an affordable way to protect your personal belongings as a renter.

Our HighPointe Insurance Services LLC team takes pride in educating Overland Park, KS renters about the benefits of renters insurance.

What is Renters Insurance?

The express purpose of renters insurance is to protect your property while renting your dwelling (apartment, house, or condo). Renters’ insurance provides protection from sewer backup, theft, and fire damage. However, the benefits of renters insurance don’t stop there. Renters also have liability protection. If someone’s property is damaged while on your property, renters insurance will pay for repairing or replacing your visitors’ property. Also, renters insurance will pay for the medical expenses of any injured visitor while on your property.  

Will my renter’s insurance cover the laptops stolen from my car?

Yes. Renters insurance will cover/pay for the replacement of your stolen items. Renters insurance also covers personal items that are kept in your car. This coverage provides coverage for theft in your home as well as your vehicle. The coverage also covers vandalism, some natural disasters, and possibly food spoilage if you experience a power outage. Renters’ insurance will either pay for repairing or replacing stolen or damaged items. If you have questions about renters insurance and think you might benefit from this type of coverage, call us. We’d be happy to answer all of your questions. 

Should I Get Boat Insurance for a Small Watercraft?

In Overland Park, KS, HighPointe Insurance Services LLC is happy to walk new and seasoned watercraft owners through obtaining a boat insurance policy. If you are the proud owner of a canoe, kayak, or other small watercraft, you might wonder if you need to insure it. While every boat owner’s needs differ, we have some tips to help you decide if boat insurance is right for your small watercraft.

What is boat insurance?

Boat insurance, also known as watercraft insurance, is an insurance policy that covers watercraft and boats. The kinds of vehicles you can insure through boat insurance include motorboats, kayaks, canoes, jet skis, and more. It’s designed for boat owners who want to be protected in an accident, theft, or other disastrous events.

What does boat insurance cover?

While every policy is different, boat insurance usually covers some combination of liability, repairs, replacement of the boat in the event of theft or damage, and medical expenses if the policyholder is found to be at fault in an accident with the insured boat or watercraft.

Can you use boat insurance to cover small watercraft?

With many boat insurance policies, you can insure any kind of watercraft, including smaller watercraft such as canoes or kayaks. Investing time and money in buying and customizing a small watercraft can give you peace of mind to protect that investment with an insurance policy. Since small boats are much easier for ill-intending people to steal, a boat insurance policy can especially be helpful if it offers to cover all or some of the costs associated with replacing a small watercraft.

For more information about our watercraft insurance policies, call HighPointe Insurance Services LLC in Overland Park, KS today!

Motorcycle Insurance Explained

You have always dreamed of owning and riding a motorcycle, and now you have finally achieved that dream of owning one. It is necessary to take steps to ensure the protection of your bike. One of the ways you can protect it is to get it insured. Not only is it a good idea, but many states require motorcycle insurance.

What types of coverage are available?

Some people think their auto insurance covers their motorcycles, but many insurance companies have separate policies. Read more to see what types of coverage are available for motorists.

Liability insurance

There is a minimum requirement for liability insurance in Kansas. Liability insurance will cover the damage or injuries to the other driver or passengers in any accidents you cause.

Comprehensive and collision insurance

Comprehensive coverage covers any damage to the motorcycle that comes from something other than a collision, such as theft, vandalism, or a natural disaster. Collision insurance helps pay for damage to the bike from an accident, even if it was your fault.

Underinsured/uninsured motorist insurance

You might get into an accident that was the other motorist’s fault, and they don’t have liability insurance or don’t have enough to cover the cost of the claim. In these circumstances, underinsured/uninsured motorist coverage will help cover the costs that the other party is not able to cover. If you didn’t have this type of coverage, you would have to fork out the money for repairs and possible medical costs.

What to look for in a policy?

You should confirm that your policy has the required minimum coverage for your state. In Kansas, the minimum requirements for motorcycle insurance include liability coverage, uninsured/underinsured motorist coverage, and PIP or personal injury protection coverage.

Contact us

If you own a motorcycle and need insurance, contact us for a quote at HighPointe Insurance Services LLC in Overland Park, KS.

The importance of wearing a helmet while riding a motorcycle

Motorcycle helmets have been shown to save lives. In fact, according to the Insurance Institute for Highway Safety, “helmets are 37 percent effective in preventing fatal injuries to motorcycle riders and 41 percent effective in preventing serious injuries.”

But the fact is, no matter how good you are at riding a motorcycle, things can go wrong – and when they do, a helmet can be the difference between life and death. Despite this, many riders choose not to wear them. Some say they don’t like how they look or feel; others claim they have never had an accident, so they don’t need one.

So, what type of helmet should you wear while riding a motorcycle? There are several different options, including full-face helmets, modular helmets, and open-face helmets. Full-face helmets provide the most protection and coverage but can be hot and uncomfortable in warmer weather. In contrast, open-face or “chopper” helmets offer good protection while allowing you to have more ventilation.

However, the most crucial factor when choosing a motorcycle helmet is how well it fits your head. If it’s too loose, it won’t provide adequate protection in an accident; if it’s too tight, it will be uncomfortable and could even cause headaches.

To ensure that your helmet fits properly, you should always follow the manufacturer’s instructions for fitting. This typically involves adjusting straps, pads, or liners until the helmet is secure but not overly tight. You may also want to consider getting a professional fitting at your local motorcycle dealership.

If you have questions about motorcycle safety, give HighPointe Insurance Services LLC a call today. We are proud to serve the Overland Park, KS area. 

Protect the Future of Your Family with Life Insurance

Would your loved ones be financially secure if you passed? Or would they be left wanting? The HighPointe Insurance Services LLC, serving the Overland Park, KS area, can explain why life insurance is so vital to the security of your family.

In addition to paying for your final expenses, there are other reasons you should have a life insurance policy. You want to ensure your loved ones will have income and be able to pay off debts.

  • Life insurance provides for lost income – it helps ensure your family will not face financial hardship if you suddenly pass away. This is especially important if you are the primary breadwinner and have children. Your spouse may not be able to cover the mortgage or tuition costs. If your spouse needs to return to the workforce, and daycare is needed for young children, the death benefit would help with these costs.
  • Life insurance helps to cover bills and debts – If you pass away, leaving a car loan or credit card debt, it still needs to be paid. The death benefit can help cover these expenses, so the costs are not left to your family.
  • Stress reduction – When a loved one passes, both emotions and stress are high. It will be compounded and more difficult if there are financial concerns. Knowing they have a financial cushion to fall back on will ease some of the stress related to their loss.

Knowing that the death benefit can help cover the mortgage payment, for example, can give your loved one the time needed to adjust and go on at their own pace.

Contact HighPointe Insurance Services LLC to obtain a no-obligation quote or an answer to any questions you may have. You will be glad you did.

Will commercial insurance pay for medical expenses if someone falls in my store?

Will commercial insurance pay for medical expenses if someone falls in your Overland Park, KS store? It depends on the circumstances of the fall. Your policy from HighPointe Insurance Services LLC may directly cover the cost of medical treatment. In other cases, the person who fell may need to file a personal injury claim to get compensation for their medical expenses.

Types of Insurance That May Cover Falls in Your Store

Several types of commercial insurance may cover the cost of medical treatment for someone who falls in your store. These include:

  • General Liability Insurance: This type of insurance is typically required by landlords and is designed to protect business owners from liability for injuries that occur on their property. If you have general liability insurance and someone falls in your store, your insurance company may pay for their medical expenses up to your policy’s limit.
  • Product Liability Insurance: This insurance protects businesses from liability for injuries caused by defective products. If someone falls in your store because they were using a defective product, product liability insurance may cover their medical expenses.
  • Workers’ Compensation Insurance: Workers’ compensation insurance may cover their medical expenses if an employee falls in your store. This is Kansas-mandated insurance to protect employees injured in the workplace.

These are just a few examples of insurance that may cover the cost of medical treatment for someone who falls in your Overland Park, KS store. Every situation is different, so contact HighPointe Insurance Services LLC to discuss the details of your commercial insurance policy if you’re covered. 

Facts About Home Insurance That You May Not Know

If you own a home, you probably want to protect it. One of the best ways to do it is to purchase home insurance. Standard home insurance covers damages and losses to your residence, your personal belongings, and other household assets. If you are currently shopping for home insurance, there are some things you need to know about it, including several interesting facts. 

Facts That May Not Know About Home Insurance

  • Home insurance does not cover natural disasters. Even though home insurance protects your home against losses from ice damage, lightning, and forest fires, it does not cover all-natural disasters. For example, if your home is in a flood zone, you should purchase separate flood insurance as home insurance does not cover floods. 
  • Your location has an impact on the cost of insurance. For example, if your home is in a prime urban location, your home insurance will be more expensive than the insurance for a house in a rural area. 
  • Old homes cost more to insure. If you own an old property, it will cost more to insure than a new one, even if it is in a prime area. 

HighPointe Insurance Services LLC – Insurance Company You Can Rely On

Are you a resident of Overland Park, KS, or another nearby area? Are you a lucky homeowner of a beautiful house? Do you want to buy home insurance to protect your property? Contact HighPointe Insurance Services LLC, serving clients in Overland Park, KS, to learn more about insurance plans and decide on the type of insurance. Our agents will help you find the perfect plan based on your insurance needs and budget. 

What to do if You Have a Car Accident

Getting into a car accident is always a stressful experience. Even if the damage is minor, it can be challenging to know what to do next. Should you call the police? Exchange insurance information? Take pictures? The decisions you make following an accident can significantly impact any potential legal or insurance claims, so it’s important to know what to do ahead of time. Here is a guide to help you with that. 

1. Stay Calm and Assess the Situation

The first step after a car accident is to stay calm and assess the situation. This cannot be easy if you’re feeling shaken up, but it’s essential to take a moment to collect your thoughts before taking any further action. If anyone has been injured, call 911 immediately and wait for help to arrive. Remember, injuries are not always immediately obvious, so it’s better to err on the side of caution and seek medical attention to be sure.

2. Call the Police

Whether or not anyone has been injured, you should always call the police after a car accident. The police will create a report of the accident, which can be helpful if you need to file an insurance claim or a personal injury claim. The report will document important details about the accident, such as where it happened and who was involved.

3. Exchange Insurance Information

If the police are not called, you’ll need to exchange insurance information with the other driver. Get the other driver’s name, insurance company, and policy number. You should also give them your insurance information. You may also want to exchange contact information in case you need to contact the other driver later.

4. Take Pictures

If you have a camera or a smartphone, take pictures of the accident scene. Get pictures of both vehicles, any damage done, and skid marks on the road. These pictures can be helpful when filing an insurance claim or a personal injury claim.

5. Contact Your Insurance Company

Once you have all the necessary information, you should contact your insurance company to inform them about the accident. Be sure to have your policy number handy when you call. The insurance company will likely ask you for a recorded statement about the accident, so it’s important to be honest and accurate in your description of what happened.

Need Auto Insurance in Overland Park, KS

If you’re looking for auto insurance in Overland Park, KS, look no further than HighPointe Insurance Services LLC. Our team of experienced insurance professionals can help you find the right policy for your needs. We offer various auto insurance options, so we’re sure to have something right for you. Contact us today to get started.