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.

What Are Some Common Exclusions In Boat Insurance Policies?

Boat insurance policies may not cover you if you’re operating the watercraft for commercial purposes, you don’t maintain it according to the manufacturer’s recommendations, or exceed the recommended passenger capacity. 

You may need separate coverage if you are transporting hazardous materials. Some policies may not cover you if you’re intoxicated. If you’re seeking coverage for a houseboat, you may need a separate policy if it is not moored or docked. For expert help in Overland Park, KS, confer with HighPointe Insurance Services LLC.

More About Boat Exclusions 

Boat owners should ensure they are aware of the terms of their policy and know what situations could cause their boat to be uninsurable. Many boat insurance policies won’t cover you if you take the boat to a location the manufacturer didn’t originally intend. Exclusions may also arise from the following. 

  • Take the boat to a port outside of your country.
  • Taking the boat out of the water. Many policies won’t cover you if the boat is lifted off the water for more than 24 hours.
  • Taking the boat through dangerous waters.
  • Towing another boat with your boat.

Boat insurance policies usually exclude certain activities, such as scuba diving, waterskiing, and fishing from your boat. Water sports like wakeboarding and jet skiing can be added to your policy as an endorsement, increasing your overall policy cost. Some boat insurance policies may also not cover your boat if left unattended or in a location deemed high risk, such as near a port where large ships come in. With boat insurance, standard exclusions include: 

  • Wear and tear
  • Infestations
  • Marine life
  • Faulty machinery
  • Accessories
  • Improper storage and transportation
  • Unnamed operators
  • Navigation limits

For assistance in Overland Park, KS, visit or call HighPointe Insurance Services LLC.

What To Do if You’re Worried About Your Home Being Underinsured

Home insurance is an essential part of many Americans’ finances. It protects families from the financial consequences of a covered loss, like replacing a stolen television or repairing a roof damaged by a hurricane. 

But for many residents of Overland Park, KS, their home insurance coverage is inadequate. Highpointe Insurance Services LLC knows that many people don’t realize that even a small shortfall in their home insurance can lead to significant financial trouble.

The Dangers Of An Underinsured Home

Imagine you and your family have been in your home for many years and never had a claim. Then one day, a fire breaks out in your home. Then you discover your insurance doesn’t cover the full value of your home. It’s a total loss. 

Can you afford to replace your home? Can you afford to move into a new home? What will happen if you can’t?

This is a situation many Americans find themselves in. In fact, according to the Insurance Information Institute, the average claim for fire and lightning damage costs over $77,000. That’s a lot of money, even if you don’t have a total loss.

How To Make Sure You’re Covered When You Need It

Take a home inventory. Make a list of all the items in your home you would want to claim if you lost them. Take pictures of your valuables. This will help your insurance agent better estimate the value of your property.

Analyze and update your policy when needed. It’s a good idea to review your coverage to ensure it’s regularly adequate. Also, make updates after you do anything to affect your property’s value, such as renovations or installing new detached buildings.

Work with your Overland Park, KS insurance agent. When you have worries or questions about your home insurance coverage, Highpointe Insurance Services LLC is here to serve. 

5 Tips for Insuring Your RV

If you’re like most people, your RV is one of the most important things in your life. It’s a home away from home, a place to relax and escape the everyday grind. That’s why it’s so important to insure your RV against damage or theft. Here are five tips for making sure your RV is adequately insured.

1. Consider How You Use Your RV

When insuring your RV, the first thing you need to think about is how you use it. Are you a full-time RVer who lives in your rig year-round? Or do you only take it out for occasional weekend getaways? Your insurance needs will differ depending on how often you use your RV.

2. Get the Right Coverage

Once you know how you’ll be using your RV, you can start shopping for insurance coverage. There are many different options, so it’s important to do your research and find a policy that fits your needs.

3. Know What Your Policy Covers

Before purchasing an insurance policy, make sure you understand what it covers. Some policies only cover the RV itself, while others will also protect your personal belongings inside the RV. Take time to review your policy details to know what to expect in case of an accident or theft.

4. Consider Extra Coverage

In addition to the standard RV insurance coverage, there are also a few additional options you might want to consider. For example, roadside assistance can help you get back on the road if your rig breaks down. And medical insurance can provide coverage in case of an accident or injury.

5. Get Good Reviews and Recommendations

Finally, when shopping for RV insurance, it’s important to research and find a reputable company with good reviews and recommendations from other RVers. This will give you peace of mind knowing you’re in good hands if something happens to your RV.

These are just a few things to keep in mind when insuring your RV. For more information on finding the right coverage for your needs, contact HighPointe Insurance Services LLC in Overland Park, KS. We’re happy to help you find the right policy for your rig.

Condo Insurance FAQs

The next thing to think about is condo insurance if you have a condominium because this insurance can protect you when the worst happens. But since you aren’t an insurance connoisseur, you may not be sure where to start. However, don’t worry. We all start from somewhere. To increase your knowledge about condo insurance, you can start by reading the FAQs section prepared by HighPointe Insurance Services LLC of Overland Park, KS.

Is condo insurance mandatory?

No law in Kansas requires you to invest in condo insurance. But just like health and home insurance aren’t mandatory, condo insurance is a must-have investment for condo owners. This insurance policy protects your finances by covering your assets and protecting you against liability claims.

Why do I need condo insurance?

Since condo insurance doesn’t come free, you might wonder whether it’s worth the investment. The reality is that condo insurance gives you far more value compared to the premiums you pay. Here are the benefits of condo insurance:

  • Liability protection: Condo insurance covers you and your loved ones when accused of causing bodily injury or property damage to others.
  • Assets protection: Condo insurance covers loss or damage to your assets when perils strike.
  • Loss of use: Condo insurance covers additional living expenses when a risk listed in your policy makes your home unlivable.

Also, if you need peace of mind, investing in condo insurance should be within your consideration. Condo insurance keeps you relaxed, knowing that you are protected when the worst happens.

When can I purchase condo insurance in Kansas?

If you are looking for an affordable condo insurance policy in Overland Park, KS, please contact HighPointe Insurance Services LLC.

 

What Does Renters Insurance Cover?

If you’re renting an apartment or a home, it’s important to have renters insurance. But what does it typically cover? This article will discuss some of the most common types of damage and incidents that renters insurance covers.

1. Property Damage

A key part of renters insurance is damage caused to the renter’s property. This is very important because even if you live in a small space, it can be expensive to replace your furniture and belongings. This coverage can be especially helpful if your home or apartment is damaged due to fire, theft, vandalism or other disasters.

2. Personal Liability

Another benefit of renters insurance is personal liability coverage. If a guest gets injured in your home, renters insurance can help cover damages. This may seem like an unlikely situation, but accidents do happen, and this coverage ensures you won’t have to pay if someone suffers injury or property damage while inside your apartment or home.

3. Additional Living Expenses

If your apartment or home is unlivable after a covered incident, renters insurance can also help cover additional living expenses. For example, if there’s a fire in your apartment and you have to live somewhere else while waiting for repairs, renters insurance may help pay for some of these costs.

4. Medical Expenses

Accidents do happen, which is why renters insurance also covers medical expenses if someone gets injured in your apartment or home. As with medical expenses in your car, these can add up very quickly, and having insurance to help cover them can be a real relief.

However, there are some exceptions and limitations. If someone slips and falls in your apartment due to poor maintenance, for example, renters insurance won’t help cover the accident.

Renters insurance is extremely valuable for protecting your belongings and ensuring you don’t have to pay out-of-pocket for an accident or injury at home. If you’re shopping around for renters insurance in Overland Park, KS, HighPointe Insurance Services LLC can help you find a plan that best fits your needs. Call us today to learn more.

4 Benefits of Boat Insurance

Purchasing a boat in Overland Park, KS is a massive investment that is a dream come true for any resident. However, boating episodes comes with inherent risks. That said, whether you are a new boat owner or considering owning one, it’s paramount to familiarize yourself with the available coverages to offer your watercraft formidable protection. If looking for boat insurance, don’t hesitate to contact Highpointe Insurance Services LLC to get coverage that meets your lifestyle and budget. As a result, you will reap the below benefits.

Boat protection

Without formidable insurance, you could potentially lose your investment if an accident strikes or unforeseen events crop up. Procuring boat insurance from Highpointe Insurance Services LLC can pay the costs of restoring or repairing your boat when covered perils damage it.

Liability protection

Some boating scenarios like colliding with other boaters or knocking a swimmer make you liable to the ensuing physical injury and property damage costs. Additionally, you can get slapped with outrageous lawsuits, subjecting you to financial ruins. Luckily, boat coverage comes in and rescues from paying these costs.

Peace of mind

The most worrying experience when cruising is the thought of an accident. Luckily, with solidified boat insurance, you can continue with your boating activities, knowing that you and your passengers will get cushioned against any financial loss when mishaps occur.

It’s customizable

The pretty thing with boat insurance is that it’s can be customized in tandem with the client’s needs and satisfaction. Boat insurance isn’t one-size-fits-all coverage — it’s tailored individually to meet your needs and budget.

Invest in boat insurance today!

Boat insurance gives you peace of mind while enjoying your boat in Overland Park, KS waters. Shopping or want to renew your coverage? Please don’t hesitate to call or visit us at Highpointe Insurance Services LLC to get a customized quote for your boat insurance.