Debunking Three Common Myths About Life Insurance in Overland Park, KS

Have you been hesitating to purchase life insurance coverage because you believe one of the many myths associated with this incredibly important financial solution? At HighPointe Insurance Services LL in Overland Park, KS, we want you to make an informed decision based on the facts when considering life insurance. Here are some myths about life insurance you don’t have to worry about.

Myth 1: Life Insurance Only Exists for Final and Funeral Expenses

Life insurance is not just limited to covering final expenses. Your life insurance policy can provide assistance in various ways, such as debt repayment, estate planning, income replacement, mortgage payoff, funding education for your loved ones, and ensuring your family continues to enjoy a comfortable lifestyle even after you’re no longer with them.

In addition, certain policies offer living benefits. Under specific circumstances, you can often access your life insurance policy.

Myth 2: Life insurance is Prohibitively Expensive for Most People

Do you assume a life insurance policy costs an extravagant amount? Many people do. However, many types of life insurance policies and packages exist. Like any form of insurance, costs can vary based on several factors.

There’s a good chance a life insurance package is easily within your budget. Contact insurance services and compare quotes to see how affordable a life insurance policy can be. Also, like with other forms of insurance, you can find savings on life insurance in many ways with a little research.

Myth 3: Life Insurance Offered By Your Employer is Good Enough

Your employer might offer a group life insurance policy as part of your overall benefits package. While that’s an excellent benefit to have from your employer, it might not meet all your needs.

In addition, you might lose that coverage if you leave the job. Consider adding personal coverage to your employer’s benefits for better and customized protection for you and your family.

What Else Have You Heard about Life Insurance?

The myths listed here don’t scratch the surface of all the false information people believe about life insurance in Overland Park, KS. If you want to know more about starting an affordable life insurance policy for you and your family, contact us at HighPointe Insurance Services LLC.

The Top Four Risks Faced By Small Businesses

Setting up and running a small business could be a dream come true. With the right ideas and effort, you may secure financial freedom and improve your overall quality of life. However, small business owners must contend with a variety of risks. Fortunately, you can often take measures, like getting commercial insurance policies, to mitigate many threats. Contact HighPointe Insurance Services LLC, serving Overland Park, KS, to learn more about business insurance.

Be Wary of the Weather

When natural disasters strike, the focus is often on families. However, many small businesses can be affected as well. A hurricane or tornado, for example, can wipe out the main street in your town. If you have the appropriate commercial policies, they can provide resources to rebuild.

Be Mindful of Manmade Disasters as Well

It’s possible that a faulty electrical system at your place of business could cause an electrical fire. In such cases, you may risk losing your business and income if you lack commercial insurance coverage. Other manmade disasters, like car accidents, can also affect businesses.

Market Pressures Are Often Constant

You’ll likely face competitors in your chosen industry. Proper strategic planning, human resources management, and other steps can improve your competitiveness. It’s wise to keep an eye on the competition and ensure you’re able to respond.

Liabilities are Ever-present

If a customer at your store slips on a wet floor or you damage a client’s car in your auto mechanic shop, you could be held liable. Some commercial insurance policies will provide coverage for various liabilities, thus reducing risks.

If you’re considering taking out commercial insurance, contact HighPointe Insurance Services LLC, serving Overland Park, KS.

Perils Options When Purchasing Home Insurance

When you contact HighPointe Insurance Services LLC for homeowners insurance, you might think there’s just one type, but you have four choices: HO-1, HO-2, HO-3, and HO-8 coverage.

What makes the four homeowners insurance options so different? Each level of insurance covers a different number of perils.

What’s an insurance peril?

The term peril refers to natural and human-induced hazards. Examples of perils include fire, tornado, hurricane, and vandalism. Insurance policies cover specific perils, so if you need to cover a variety of situations that threaten Overland Park, KS frequently choose a policy with a higher peril coverage level.

Guide to Homeowners Policy Options

In Kansas, tornados occur with some frequency. Droughts and floods also happen with some climatic regularity. That doesn’t mean that completes the list of potential perils you need a policy to cover. Here’s a quick guide to home policies to cover homeowners.


An HO-1 policy covers 11 specific perils only. This named-peril policy includes:

  • Aircraft crash
  • explosion
  • Fire and lightning
  • Glass that’s part of the home, such as windows
  • Riots and civil commotion
  • smoke
  • theft
  • Vandalism and malicious mischief
  • Vehicle collision
  • Volcanic eruptions
  • Windstorms and hail.

Very few companies still offer this limited coverage.


An HO-2 policy also offers only named peril coverage. It covers all the perils of an HO-1 policy, plus the following:

  • Falling objects
  • Water damage is caused by accidental overflow of plumbing, heating, ventilation, air conditioning (HVAC), or household appliances.


Most homeowners choose the HO-3 policy, called an all-perils policy. If anything except rising water flood damages a home, this policy covers it.


Also called historical home coverage, the HO-8 policy covers the same perils as an HO-1 policy. Only owners of historical homes and architecturally significant homes can qualify for this policy.

Contact HighPointe Insurance Services LLC for Home Insurance to Protect Your Investment

Contact HighPointe Insurance Services LLC to obtain a homeowners’ insurance policy that provides your Overland Park, KS home the protection it needs.

What You Need to Know About Auto Insurance in Kansas

Have questions about insurance? Below, our insurance experts cover some of the key points to know about Kansas auto insurance. 

All Drivers in Kansas Must Legally Have Minimum Liability Insurance Coverage

Liability is a basic form of insurance designed to protect drivers from financial damages caused by an auto accident. Most liability insurance policies cover bodily injury or personal property damages in an auto accident. 

Talk to a knowledgeable agent at HighPointe Insurance Services LLC in Overland Park, KS to learn about the minimum level of liability coverage for driving legally in Kansas. 

Uninsured / Underinsured Motorist Coverage in Kansas

While auto insurance is mandatory in Kansas, accidents happen where some drivers are uninsured or underinsured.

"Underinsured" means that the other driver doesn’t have adequate insurance coverage to protect themselves or others from damages caused by an auto accident. 

Optional Auto Insurance Coverage

Collision Coverage

Drivers who want to take their insurance coverage to the next level add collision coverage to repair or replace their vehicles in the event of an accident. 

Comprehensive Coverage 

Drivers who want to protect themselves from almost all perils related to driving on Kansas roads opt for comprehensive coverage. Comprehensive insurance covers damage to people, property, and vehicles and even coverage for damage caused by non-collision-related incidents. 

Non-collision-related incidents are those things that cause damage to an automobile that wasn’t involved in an accident. 

For example, a tree limb falling through a windshield can cause damage that wasn’t caused by a collision. Other non-collision-related incidents include vehicle theft, natural disasters, and vandalism. 

Get Kansas Auto Insurance 

Now that you know that auto insurance is mandatory in Kansas — don’t get caught driving without insurance!

Contact HighPointe Insurance Services LLC in Overland Park, KS for a quote today.

Is Boat Insurance Required in Kansas?

HighPointe Insurance Services LLC agents serving the Overland Park, KS area want to protect your boat as much as you do. One way to do this is through an adequate boat insurance policy, but you may wonder what boat insurance covers. Read on for more information.

Is Boat Insurance Required in Kansas?

First of all, you need to know if Kansas requires you to have boat insurance, and the answer is no, but there are many reasons to have a policy in place anyway. If you owe money for your boat, you are more than likely required to have boat insurance. Also, many marinas will require you to have boat insurance to use their facilities. Boat insurance can provide coverage for liability in the event of an accident as well as property damage, theft, and other unforeseen situations.

What Does Boat Insurance Cover?

Boat insurance policies commonly cover physical damage to your boat or other watercraft. This includes coverage for collisions with other boats or objects and damage from fire, storms, or natural disasters. It may also cover the cost of repairs or replacement if the boat is damaged or destroyed.

Liability coverage is another essential part of a boat insurance policy. This will help protect you if you cause injury to someone else through an accident or other event. This liability coverage will help pay for the injured person’s medical expenses and can even cover legal fees and settlements if you are sued. It can also help offset the cost of repairing another person’s property that you have damaged in an accident.

Boat insurance will also come in handy if your boat is stolen.

Contact HighPointe Insurance Services LLC

Contact the agents at HighPointe Insurance Services LLC serving the Overland Park, KS area to determine the amount of boat insurance you need to relax while on the water.

Do Airbnb Rentals Need Umbrella Insurance?

Airbnb rental property owners must take measures to secure their property and their financial status. Umbrella insurance can be an excellent addition to your in-place insurance to help protect against losses resulting from liability. If you want to learn more about umbrella insurance options, HighPointe Insurance Services LLC is proud to assist the Overland Park, KS, residents with their inquiries. 

Umbrella Insurance for Airbnb Rentals 

If you own more than one Airbnb rental, having a blanket umbrella insurance policy is a great idea to get extra protection. This insurance coverage provides liability coverage that exceeds the limits of your home policy already in place. Remember that if you rent with a commercial license, you must have an umbrella policy in place. 

If you want to learn more about umbrella policies or get the protection you need to be more secure when renting out your Airbnb properties, you can count on our team to assist you. We can provide you with solutions based on your current and future needs. If you need clarification on how the policy can protect you, our agents will be happy to ensure you understand how the policy works and explain the fine print. 

We want our customers to be educated about our insurance policies and strive to provide the most comprehensive services in the area. 

Reach Out Today

If you would like to speak to an agent, please call or stop by the HighPointe Insurance Services LLC office to schedule an appointment. We can help you get the right insurance products to suit your specific situation and avoid losses associated with certain risks related to property rentals if you live in or near Overland Park, KS. 

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!