3 Ways To Prevent An Infestation When Renting An Apartment

Expert Tips on Protecting Your Apartment from Pest Infestation

When you inhabit a rented apartment, it’s inevitable that your space overlaps with those of other tenants. Consequently, the condition of their living spaces could potentially impact yours. One such fallout could be a pest infestation. Here are three preventive measures to shield your apartment and personal belongings from such nuisances.

Deploy Essential Oils as Natural Pest Repellants

Certain essential oils act as potent deterrents for numerous insects. Leveraging the scents of eucalyptus oil, refreshing mint, and soothing lavender can form a perimeter around your wall vents and doorways, thus preventing the entrance of pests into your apartment. It’s important, however, to keep these oils beyond the reach of pets as they could potentially be toxic.

Properly Stow Away your Food

To critters and pests, any food left open is an irresistible invitation. It’s thus crucial to seal away your food securely, particularly if it’s something ordinarily left open – this includes cereal, cookies, chips, and other pantry items. Doing so significantly reduces food smells that are likely to attract pests. Always endeavor to store dishes every night and not permit food to stay out for long durations.

Position Traps Wisely

If you suspect a pest infestation, it might be wise to set traps in discreet, dark areas. This proactive move could catch roaches, termites, and other unwelcome critters, thereby offering you the chance to alert your landlord, order treatments, and look for the most competitive renters insurance quotes in Overland Park, KS. Contact our team at HighPointe Insurance Services LLC for a fruitful conversation.

Using the Boat for Racing or Commercial Purposes and How It Affects Insurance

Understand the Impact of Boat Use on Insurance

Boats are versatile, serving various needs, from leisurely cruises to commercial operations or heated races. However, the use of the ship significantly influences its insurance coverage, especially for owners in Overland Park, KS. Comprehending how these factors influence insurance is critical for boat owners seeking ideal protection.

Boat Racing and Insurance Implications

Boat races immerse enthusiasts in an exhilarating competitive space. Nonetheless, racing increases the existence of risks which influences the insurance coverage. In insurance circles, boat racing is considered a high-risk activity due to the potential for accidents, collisions, and damage to vessels and property. Specialized insurance policies become a necessity for boat owners participating in races. These policies often feature high coverage limits and provisions for liabilities arising from racing-related incidents.

The intended use of the boat substantially determines the insurance premiums and the coverage options. High-risk activities such as races or commercial activities usually require high insurance premiums due to the potential risks. Typically, insurance providers consider the type of boat, its value, the extent of coverage sought, and the owner’s experience and safety record when determining the insurance premiums.

Boat owners using their vessels for races or commercial activities must accurately disclose the intended use of the ship when acquiring insurance to ensure adequate coverage. Failure to do this can result in coverage gaps and claim denial in the event of an incident. HighPointe Insurance Services LLC, located in Overland Park, KS, is poised to answer any queries and concerns regarding boat insurance coverage. Do not hesitate to call us today. We can help you get a quote and find a policy!

When should I start looking for a new motorcycle insurance plan in Kansas?

Those living in the Overland Park, KS, area need to have a way to get around their community. For many, having a motorcycle can be a fun and efficient way to do so. When you are going to purchase a motorcycle here, getting the right insurance for it is essential. There are various situations when you should start looking and shopping for a new motorcycle insurance plan for your vehicle. 

When Buying a New Motorcycle

A situation when you need to get a new motorcycle insurance plan is when you are looking to buy a new motorcycle. If you have opted to purchase a bike when you are in Kansas, you will want to know that you are covered. While you could have dealer insurance for a short period, having a full and proper policy established as soon as possible is advantageous. Once you start looking for a motorcycle, you should also consider your insurance options. 

Any Other Time

While you may have a motorcycle insurance plan today, there are plenty of other situations when you should consider a new policy. By shopping around, you may find a more affordable policy or better coverage options. Because of this, it continues to be a good idea to look for a new policy periodically. 

While riding a motorcycle in the Overland Park, KS area, can be a lot of fun; some risks go along with it. As you are looking for a plan here, you can call our team with HighPointe Insurance Services LLC. Our HighPointe Insurance Services LLC team knows how important this coverage is and will give you any support you need to build your next policy. 

Common myths about motorcycle insurance

Is there anything more fun than riding a motorcycle? If you decide to ride a bike, you should prepare for responsibilities. Protecting your motorcycle, passengers, and other people on the road is one of these responsibilities. If you shop for motorcycle insurance, you should be aware of popular myths about it. In this blog post, we are going to debunk them:

Myth 1: It is not required in Kansas to carry motorcycle insurance

The truth is that motorcycle insurance is like car insurance. That means riding a motorcycle without insurance means breaking the law. If you decide to ride without a valid insurance policy, be ready to face financial consequences and other penalties. 

Myth 2. Motorcycle insurance costs too much

It is incorrect to say that motorcycle insurance is expensive because certain factors determine its cost. These factors are the type and age of a motorcycle, location, any present modifications to the motorcycle, and others. Based on these factors, an insurance agent will help calculate your exact insurance cost.  

Myth 3: Collision and comprehensive coverage are the same

Collision and comprehensive coverage are the most common terms in insurance, but they are different. Collision coverage covers physical damage, while comprehensive coverage covers damage unrelated to road accidents. 

As you can see, motorcycle insurance has certain misconceptions. This makes the choice of proper motorcycle insurance more complicated, especially for new policyholders. If you live in Kansas and need help looking for an insurance plan, contact HighPointe Insurance Services LLC, serving customers in Overland Park, KS. 

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.

HO-1

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.

HO-2

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.

HO-3

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.

HO-8

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.