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.

Tips to Protect Your Home When On Vacation

Mostly, the best time for housebreakers to strike is when nobody’s home. When you are on vacation, the last thing you want is a phone call from the police department in Overland Park, KS regarding a break-in at your home. Although you may be covered by HighPointe Insurance Services LLC, some things like your identity may be compromised. We share some tips on how to safeguard your property when it is most vulnerable to robbery.

Imply that someone’s Home

You can evade becoming another break-in statistic by taking measures to imply that someone is still at home. A dark house for a few days is an evident giveaway of your absence. Therefore, you can plug-in timers into your home’s lighting system and appliances like the TV, and radio to turn on and off at certain intervals. Similarly, some timers can pair with your cell phone, allowing you to control the different outlets when you please.
Other giveaways of your absence include an overflowing mailbox, a snowy driveway, or an unkempt lawn. Therefore, find someone to manage these small chores, and others that may arise to avoid suspicion. The best bet is usually to inform your neighbors of your absence and ask them to be on the lookout.

Beware of Social Media

Sharing that barely-filtered photo of that picturesque lagoon on Instagram is indeed an alluring prospect. However, it is also a declaration to potential burglars that nobody’s home and your valuables are for the taking.

An excellent way to keep burglars oblivious of your whereabouts is to refrain from publicly sharing any particulars of your trip, till you return. If you cannot resist the temptation, you can compromise by removing geotags from your posts, or turn off the geotagging feature on your phone. It would also be prudent to switch your sharing settings to private.

In the spirit of being proactive with your assets, contact HighPointe Insurance Services LLC serving Overland Park, KS for more information regarding home insurance.

When Should You Update your Commercial Insurance?

As a business owner, it’s important to keep up with your commercial insurance protection. Changes in your business structure, location or staff could warrant an update of your policy. If your business in Overland Park, KS goes through any of the following changes, talk to an agent from HighPointe Insurance Services LLC to see if you need to update your policy.  

  • Hiring or firing key personnel  
  • Moving to a new location or renovating/adding office or warehouse space
  • Changing contracts with current suppliers or adding new suppliers
  • Purchasing new business equipment, security system or vehicles
  • Adding a partner(s) to your business
  • Offering new services or creating/selling new products
  • Substantial increase in revenues

When you hire new personnel, you’ll have to add them to the worker’s comp program under your commercial insurance policy. In like manner, firing employees will require that you delete them from your worker’s comp coverage.

Any time you change locations or upgrade your current location, you need to update your policy to ensure your new building or upgrades are covered.  New equipment and vehicles also need to be added to your commercial insurance policy to protect them against damage or loss. The coverage you obtain will depend on the value of the equipment or vehicles you buy. 

Starting a new line of services or goods may affect your professional liability coverage. If so, your HighPointe Insurance Services agent can help you adjust your coverage accordingly. As your business grows, you may experience a dramatic increase in revenue. Updating your coverage will help protect these assets. Adequate professional liability coverage can help secure your company’s financial future. 

To learn more about how to protect your business with commercial insurance coverage or for information on policy costs, contact us at HighPointe Insurance Services LLC, Overland Park, KS.

Additional Protection Provided By a Comprehensive Auto Policy

All auto policies are not the same, and the team at HighPointe Insurance Services LLC here in Overland Park, KS can help you find the right policy to fit your needs. Liability and collision are just two facets of the protection that auto insurance can provide. While having the appropriate level of collision and liability coverage is very important, there are many other protection options that are available. If you are looking for the peace of mind that comes with knowing that you are prepared for almost any situation, comprehensive insurance can set your mind at ease.

Roadside Assistance and Rental Car Reimbursement

Having reliable roadside assistance is an option that many people overlook when deciding which insurance policy is right for their needs. Having roadside coverage protection through your auto insurance policy can simplify matters in the event that your car breaks down and requires repair, as the vendors who provide the service will already be approved by your company to provide towing services and conduct any necessary work or repairs. 

If you are involved in an accident and your car is totaled or inoperable, car rental reimbursement can make getting your car repaired or replaced a lot less stressful. And a comprehensive policy can help fill in any gaps. Navigating insurance claims and car repairs and replacements is a stressful experience under the best of circumstances, and working with a full-service agency can help you make the process as streamlined as possible.

Want to learn more about the protection that a comprehensive auto insurance policy can provide? Contact HighPointe Insurance Services LLC today to review your auto insurance policy options and determine which is right for you. We look forward to serving our friends and neighbors in the greater Overland Park, KS area!

What Happens if Someone is Injured on Your Boat?

Owning a boat is a lot of fun, and can add a lot of joy to your family’s summer. Don’t let an accident ruin your time on the water, take the necessary precautions and make sure that you have adequate liability insurance. At HighPointe Insurance Services LLC we offer comprehensive boating insurance that will provide coverage for you in the event that you are involved in a boating accident. If you are in the greater Overland Park, KS and own a boat, we are here to help you find the coverage that is appropriate for your needs.

Accidents Do Happen, and It’s Always Best to Be Prepared for Them

If you enjoy spending time on your boat, it is important to confirm that you have the necessary liability coverage that will protect you in the event of an accident, especially one that causes injuries. If someone is injured on your boat, whether because of an accident or due to a slip and fall or another mishap, you can be held responsible for medical costs and damages. Don’t let a great day on the water end with a tragedy that can be made worse if your liability insurance is found lacking. If someone is injured on your boat, whether it is your fault or not, you can be held responsible, and liability insurance is an effective way to protect your interests.

Are You Concerned that Your Boat Policy May Not Provide the Coverage that You Want?

Let’s review your current policy and make sure that it provides the protection that you want. Thinking about getting a boat? We can also help with finding a new policy that is right for your needs. Call or stop by HighPointe Insurance Services LLC in Overland Park, KS today!

Is Boat Insurance Required if You Own the Boat Outright?

Owning a boat is a great way to spend your free time and is a great way to have some truly fantastic fun. For those that do own a boat, boat insurance, like car insurance, is something that everyone can benefit from. It is not required in all cases however and knowing what cases require insurance and which do not is the best way to determine if you need insurance or not. For those in the Overland Park, KS area, the agents with HighPointe Insurance Services LLC can help.

For the most part, if you own your boat outright and have no loans against it, you are not going to be required to have an insurance policy because the only person that is going to suffer if the boat is totaled is the owner. There are some cases however where you are required to have insurance even if you do own the boat. In some cases, the waterway that you are riding on is going to require insurance of some sort to help make sure you are protected and that other boater are protected as well. In this case, however, the waterway may also have their own insurance to cover any accidents.

Put quite simply, even if you do own your boat outright, it may be beneficial to have some sort of insurance policy on hand. Insurance is not something that only helps you when you do not own the boat fully or if you have a loan on an item. Insurance can help you at any stage and at any point and may help you recover if your boat is destroyed or you are injured.

For those in the Overland Park, KS area, the agents with HighPointe Insurance Services LLC can help you find the perfect policy.