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.

What does renters insurance cover

Renters insurance is something that many people in Overland Park, KS overlook. That can be a big mistake. Given the fact that it is very affordable, it is something to seriously consider if you are a renter. In most cases, your personal property is your responsibility to protect from damage and theft and if you choose the right policy, you can protect it when you are in your home and even when you are away. You don’t want to be calling HighPointe Insurance Services LLC after the damage is done.

Basically, there are two types of renters insurance, named perils and all risk.

Named perils

With this type of insurance, the policy is limited to the named perils. If it isn’t named in the policy, it isn’t covered.

All risk

As the name implies, this policy covers pretty much any eventuality. As with a homeowner’s policy, there are some things that will not be covered. It is up to you to read your policy carefully and be aware of what limitations it may have.

No matter which policy type you choose, there will be money limits. If you own anything that is of value such as art, high-end electronics or jewelry, you may want to consider additional coverage for these items. Above and beyond your personal property, your renter’s insurance offers you liability insurance which can protect you if you happened to be sued by someone who was injured at your property. The policy will also have loss of use coverage which can help you if you are required to leave your apartment or home temporarily.

If you are renting in the Overland Park, KS area, HighPointe Insurance Services LLC can help you find a policy that will protect you and your personal property from all the mayhem out there.

Does the Age of the Boat Change the Cost to Insure

Determining the cost to insure a boat is a difficult process that takes a few different factors into account. Things like the age of the boat, type of boat, and the overall value of the boat are all going to affect the overall cost of insurance premiums for that specific vessel. For those that live in the Overland Park, KS area, the agents with HighPointe Insurance Services LLC can help you find out just what it will take to get proper insurance for your boat.

There are a few different factors that change the cost of insurance for your boat. One is, of course, the age of your boat. Older boats are going to be worthless overall which means that it is going to cost less to replace them so you may not have to have as much as far as coverage. The age of the boat may also affect the overall safety of the vessel which may make you need more coverage for the boat. The type of boat is going to change the cost of coverage as well. It is always beneficial to talk with an agent about what type of coverage you may need and what amount of coverage you may need as well.

For those that have older boats, you are not going to need as much valuation coverage but you may need to have more coverage in terms of the overall safety and safety features of the boat. For those that live in the Overland Park, KS area, the agents with HighPointe Insurance Services LLC can help you to find the perfect coverage for you and for your boat so that you can get the right coverage and be fully insured every time you get out on the water.

Protect Yourself and Your Bike with Comprehensive Motorcycle Insurance

There are few pleasures in life that are as exhilarating as taking off on the open road on your motorcycle. Residents in the greater Overland Park, KS area understand the thrill that their bikes give them and take the necessary precautions to protect themselves and their passengers. The team at HighPointe Insurance Services LLC are well acquainted with the special insurance needs that motorcycle enthusiasts have. Now is the right time of year to make sure that your current motorcycle policy is up to date and meets your comprehensive needs.

Liability Insurance Alone is Not Enough Motorcycle Protection

When you own a motorcycle you are going to want more than just liability coverage. Unfortunately, there are many uninsured drivers out on the road who do not always follow the basic rules of the road. If you were to get involved with a mishap or accident with an uninsured motorist you may face financial responsibility for their negligence. There is no reason to let this happen to you, and with an appropriate comprehensive motorcycle policy, you can increase your protection level.

Meeting with a professional insurance agent to discuss your motorcycle policy options makes a lot of sense. Whether you are a longtime road warrior or are just now considering buying your first bike, it is important to have the right policy in place. Comprehensive motorcycle insurance coverage can protect your bike in the event of damage or theft, and will also give you protection if you or your passenger are injured in an accident.

Don’t be fooled into thinking that you comprehensive motorcycle insurance isn’t for you! If you are a member of the greater Overland Park, KS bike community, call or stop by HighPointe Insurance Services LLC today to learn more!

How Old Should You Be Before Considering Life Insurance?

People in Overland Park, KS often wonder if they’re too old or too young for life insurance. At HighPointe Insurance Services LLC, we offer life insurance packages for people of any age.

Instead of wondering if you’re the right age for life insurance, you should wonder which life insurance package would benefit you the most. Here is what you should know about age and life insurance.

You Should Start a Life Insurance Plan as Early as Possible

Life insurance policies can become more expensive as you age. Starting life insurance the moment you’re capable of doing so should become an objective for any person. You can even start a policy for your child, which they can take ownership of when they’re of age to do so.

In addition, age will come with more health concerns. Some medical conditions can make it harder to obtain good life insurance premiums if you wait too long.

Starting a Life Insurance Policy Early Gives You More Benefits

The cash value of a life insurance policy grows and is tax-deferred. Over time, that accumulation of value can help with income, debt, and credit. In this way, you can look at life insurance as a high-quality investment that only grows and does more for you as time goes on.

It Isn’t Too Late to Start a Life Insurance Policy

Starting a policy early is ideal, but it’s never too late to obtain life insurance for yourself. However, waiting too long can limit your options. Obtaining life insurance before 35 is ideal, but even if you’re at 50+, you’ll find many beneficial options still exist.

Nevertheless, you’ll have to show extra care when negotiating your premiums. Some insurers offer packages specifically designed to meet the needs of people who want to start a policy later in life.

No matter the age, the best time to start a life insurance policy in Overland Park, KS is right now. To find out how we can help you find a policy that works for your specific needs, contact HighPointe Insurance Services LLC today.