Why should someone get a boat insurance plan in Kansas?

People that are all over the Overland Park, KS area should look for ways to enjoy the nice summer months of the year. A great way that you can do this is by getting a boat. When you are in the market for your own boat here, you should get a boat insurance plan. There are a few reasons that someone here should get this type of coverage for their boat. 

They Want to Comply with Local Rules

People will want to get a boat insurance plan so they can comply with local rules. Anyone that wants to use a boat in Kansas should check to see if their local marina or waterway requires you to have insurance. In many cases, having insurance is a necessity to use the local area. If you do not have coverage, you could be restricted from use. 

They Want Coverage

Even if you do not need to have insurance per local rules, having coverage is still valuable. With a boat insurance plan, you will receive coverage that could be used to repair or replace your boat if there is an accident or it is stolen. You will also receive valuable liability insurance coverage, which could provide you with peace of mind while out on the water. 

If you are looking for a new boat insurance plan in the Overland Park, KS area, you may find there are a lot of options and decisions to be made. You can ensure you make a good choice by working with HighPointe Insurance Services LLC. The team with HighPointe Insurance Services LLC understands how valuable it is to have proper boat insurance coverage. We can help by answering your questions and finding you an appropriate policy. 

Who should get motorcycle insurance in Kansas?

When you are in the Overland Park, KS area, it will be very important that you have a mode of transportation to get around town. When you are in the market for a new vehicle, you could decide that a motorcycle is a great option. As you are looking for a new motorcycle, you should also spend time assessing your insurance needs. There are several situations when someone in this area will need motorcycle insurance. 

Those that Want to Comply with Law

One situation when someone should get motorcycle coverage is when they want to comply with the law. In the state of Kansas, all motorists are going to be required by law to carry liability coverage at all times. If you do not carry this insurance, you will be out of compliance with state law. If you are caught violating this law, you could be penalized and even lose your license.

Those that Want to Protect Asset

Another situation when someone may want to get motorcycle coverage is when they want to protect their asset. If you have purchased a motorcycle, you will have made a big investment that you will want to protect as well as you can. The best way that someone can do this is by getting motorcycle insurance. If you do get this coverage, it will give protection to repair or replace your motorcycle in a variety of situations. 

If you are going to get a motorcycle policy in the Overland Park, KS area, it would be beneficial to speak with the team at HighPointe Insurance Services LLC. The insurance team with HighPointe Insurance Services LLC understands why people need to have this coverage. They can help you to build a policy that will provide you with the best coverage possible. 

Exploring Some Of The Common Misconceptions Regarding Motorcycle Insurance

Based in Overland Park, KS, HighPointe Insurance Services LLC serves the community by helping residents find the insurance coverage they need to protect what matters most. We strive to offer our clients a World-class service. We can help you find a policy that suits your individual needs.

Common Misconceptions Regarding Motorcycle Insurance

If you enjoy riding your motorcycle through Overland Park, KS, motorcycle insurance will cover you. The policy protects you if you are involved in a collision of if your motorcycle is stolen. You can add comprehensive coverage to protect you if your motorcycle is damaged in a fire or another type of natural disaster. If you plan to add any custom accessories to your motorcycle, you may have to amend your policy in order to protect those items. While you are researching different policies, avoid some of these common misconceptions regarding motorcycle insurance.

Perhaps you’ve heard that auto insurance can cover your motorcycle, so a motorcycle policy isn’t necessary. This is incorrect. In order to cover your motorcycle, you need a motorcycle insurance policy. Do not rely on your auto policy to cover your motorcycle.

Another common misconception is that parking or speeding tickets may impact your motorcycle insurance policy. This is incorrect. One parking or speeding ticket will not cause drastic changes to your policy. However, it is important that you practice safe driving habits at all times.

You may have heard that you don’t need coverage during the offseason when you are not riding your motorcycle. This is incorrect. Accidents can happen at any time. If an object falls on your motorcycle while it’s in storage and causes a crack or dent, you will not be protected if you don’t include storage coverage in your policy.

Consult With HighPointe Insurance Services LLC.

What type of life insurance is best for me

Life insurance is something that needs to be customized to each individual person. What is right for one person won’t necessarily be right for another. The amounts will be different and the type of life insurance will also be different. Having an insurance agent who you trust to help you navigate through the questions that need to be asked and the answers that need to be analyzed makes it easier. At HighPointe Insurance Services LLC in Overland Park, KS we believe in empowering our clients by making sure they have the knowledge to make informed insurance decisions. 

Life insurance comes in two main types, whole life, and term life. Both of them have a place in a comprehensive financial plan. Depending on your age and insurance needs we will provide you with the information you need to choose the carrier who provides the best product for you. 

Whole life

Whole life insurance is a policy that lasts for your entire life. The price is fixed and it earns dividends. This means it accumulates cash value. You can borrow against a whole life policy or cash it in for the accumulated value. If savings is something you have trouble with, this is an easy way to save while providing protection to your family. 

Term life

Term life has a term, it can be 10, 20, or 30 years. At the end of the term, you may be able to renew the policy but it won’t be at the original premium. What you are paying for is protection there is no cash value. It is less expensive so if you need large amounts, it is the most affordable. 

Don’t put off looking into life insurance. It is one of the most important things you can do for your family. Give us a call or stop by our office at HighPointe Insurance Services LLC in Overland Park, KS to get your no-obligation quote. 

Commercial Insurance Requirements in Kansas

When it comes to operating a business in Kansas, it is important to understand state-specific rules and regulations to ensure that you operate within the confines of the law and avoid any potential issues. To that end, Kansas requires that any size business must carry workers’ compensation insurance to help cover the cost of medical bills related to workplace injuries and illnesses. However, if your business is involved in the agricultural market or as a gross annual payroll under $20,000 then you are not required to have workers’ compensation insurance. Before deciding not to purchase workers’ compensation insurance, check with a trusted source to ensure that your business remains in compliance with applicable laws. In addition to workers’ compensation insurance, any vehicle owned by the business must be covered by a commercial auto insurance policy. Keep in mind that if you require employees to use their personal vehicles for work-related functions such as deliveries or service appointments then you should strongly consider hired and non-auto insurance as personal auto policies generally exclude business use from coverage. 

Depending on the size of your business and the scope of work it may not be a bad idea to consider additional insurance coverage. For instance, opting for professional liability insurance helps protect your business from negligence, work mistakes, or failure to fulfill a contract whereas cyber liability insurance helps businesses recover from losses associated with data breaches or cyber-attacks. 

When it comes to finding a commercial insurance policy, look no further than the friendly and professional team at HighPointe Insurance Services LLC in Overland Park, KS. We work tirelessly to ensure that each of our customers receives the best care possible and can create customized insurance policies that best meet the demands of your business. 

How Much Home Insurance Do I Need?

Chances are pretty high that your home is going to be your most expensive and valuable asset in your repertoire. Consequently, you need to ensure that you have enough homeowners insurance to protect the entirety of the home in case an accident or natural disaster happens. Keep in mind, that you are not legally required by the state to have homeowners insurance; however, if you have financed your home it is likely a requirement from the mortgage lender. Even if you have bought your home outright and do not have a mortgage, having insurance should be a no brainer because it can help pay for costly repairs to your house. 

When deciding how much homeowners insurance to purchase, you’ll want to start by determining the replacement value of your house. What this means is, determining how much would it cost to rebuild your house to the same condition it is today if something happens to it. Many insurance companies will offer homeowners the opportunity to purchase extended replacement cost coverage which helps protect you if the cost to build in your area experiences a spike because of increased demand or trouble obtaining materials. In addition to dwelling coverage, be sure to have proper liability insurance which pays for lawsuit judgments and settlements against you in cases where you’re sued for injuries at your property or damage claims. As an example, $100,000 may sound like a lot of coverage, but if you are sued for a greater amount than you’ll be on the hook for the difference. 

When it comes to finding the perfect homeowners policy in Overland Park, KS, look no further than HighPointe Insurance Services LLC where our talented team of professionals are ready to help customize the perfect policy for your needs.

Common Auto Insurance Myths Kansas Residents Should Be Aware Of

HighPointe Insurance Services LLC assists the Overland Park KS community by providing insurance coverage to meet their needs. We work with each of our clients to help them find coverage that aligns with their personal situation. In order to offer our clients the best service possible, we have established successful partnerships with several top insurance companies.

Auto Insurance Myths

Auto insurance allows you to protect your asset. The policy covers your vehicle in the event that it is damaged, stolen, or vandalized. You’ll be protected in the event that you are involved in an accident. Unfortunately, there is a lot of misinformation regarding auto insurance policies, so here are some common auto insurance myths to watch out for.

Tickets May Automatically Impact Your Policy

This is inaccurate. As long as you maintain an overall clean driving record, you will not be impacted. Mistakes happen and one ticket will not completely alter things. However, it is important that you avoid getting another ticket.

Vehicle Colors Are Important

The color of your vehicle is not a weighted factor when developing your policy. Things that are taken into consideration include your vehicle’s safety features, model, and body type.

The Policy Covers Any Vehicles That You Use For Business Purposes

If you are using your vehicle for business-related purposes on a regular basis, you may have to explore another type of coverage. Do not assume that your policy covers every aspect of your vehicle’s usage. Research the terms of your policy carefully.

The Possessions In My Vehicle Are Covered

This is incorrect. If you leave some valuable possessions in your vehicle, they are not covered through your auto insurance policy. You can try to amend your policy or seek additional coverage.

HighPointe Insurance Services LLC Will Guide You Through The Process

Stop by our office in Overland Park, KS today and we will help you find coverage for your vehicle.  

Why you need boat insurance in Kansas

In the Overland Park, KS area, there are many great local lakes and waterways that you can enjoy during the warm summer months. When you are looking to enjoy your local waterways, a great way to do it would be by getting your own boat. If you are going to purchase a boat in this area of Kansas, it is very important that you get proper insurance. There are several reasons why you need to get insurance for your boat.

Required by Boat Lender

One reason why you may need to get insurance for your boat is that it could be required by your lender. Buying a boat is always going to be a big purchase that could require you to take out a loan. If you have taken out a loan, the lender will undoubtedly require that you get a full insurance policy as it will protect their collateral.

Local Marinas Could Require Insurance

Even if you do not have a loan, you may still need to get insurance as it could be required by your local marinas. A local marina will want to make sure that you have the ability to pay for restitution if you cause damage to the property or other boats in the area. Due to this, they may require you have a full boat insurance policy. 

There are many reasons to get a boat insurance policy in the Overland Park, KS area. When you are looking for this insurance, you should hire a team that is experienced in helping customers get into appropriate boat insurance policies. The team at HighPointe Insurance Services LLC can help you to choose a policy that is right for your situation. HighPointe Insurance Services LLC is able to do this by assessing your risks and getting a policy that properly mitigates them. 

Reasons you should update your life insurance

Life insurance is something everyone should have. It offers much more than just a death benefit.

As time passes, your situation in life changes, often requiring you to reassess the amount and type of life insurance you have and need. Our experienced team at Highpoint Insurance Group in Dadeville, AL is always here to share their knowledge and help you find what you are looking for. Our experts recommend purchasing life insurance when you are young because this is when the rates will be the most favorable.

Buying a home

Buying a home is the single biggest purchase most people make in their lifetime. A mortgage is a new debt that stays with you for many years to come. You will purchase home insurance to protect the house, but covering the mortgage with life insurance will keep your family from having to worry about paying it. 

Getting married

When you get married, you add another person to your life. You need to update the beneficiary on your policy to include your new spouse. You may want to add additional coverage to be sure they will be taken care of for at least a short time after your passing. 

Having children

Once you have children, it changes everything about your life. One spouse may decide to stay home to care for the children, and your income becomes even more important. Adding enough coverage to make sure your family can continue to thrive is crucial.

These are just a few of the reasons you may want to update your life insurance. You should talk to your agent every year or so to make sure you are adequately covered. Give the office of Highpoint Insurance Group in Dadeville, AL a call to talk about your life insurance needs. We will be happy to get you a quote.

Should I Get Umbrella Insurance?

One form of insurance coverage you may not have but should consider is umbrella insurance. Umbrella insurance isn’t a policy that simply covers one thing. It is used to cover a number of items you own (everything under the umbrella). But is this kind of coverage right for you? Ultimately you will need to decide, but our staff here at HighPointe Insurance Services LLC is here to assist you with this. When you live in or around Overland Park, KS or staff is here to help answer and address all the umbrella insurance questions you might have. 

Umbrella Insurance Coverage

Umbrella insurance is designed to provide you with additional liability protection over what you own. This covers your home, boat, car, RV, and other items you might own. It can also go for the additional drivers who might be behind the wheel of your vehicle. If you have valuable items or you might be the target for potential lawsuits you will want to look into umbrella coverage. Additionally, if you have a younger driver you may want to consider umbrella insurance as well. You will want to make sure both they are you are protected, so in the event of an accident you will have the additional liability coverage. 

You can adjust the kind of umbrella insurance you have and alter it to fit your needs. This way, if you are looking for a specific policy value you likely can find it. 

Insurance Coverage You Need

If you believe you might need umbrella insurance our staff here at HighPointe Insurance Services LLC is ready and waiting to help. Or, if you have additional questions as you’re not fully sure if it is right for you we can answer those questions as well. Whatever questions you might have we want to address them. So, if you call greater Overland Park, KS home and are curious about umbrella insurance and what it can offer, our staff is just a single phone call away.