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!

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.

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.
 

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.

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!

At HighPointe Insurance Services LLC, in Overland Park, KS, we know insurance can be overwhelming. While condo insurance may not be required by your building’s HOA, there can be a number of benefits to purchasing this important coverage.

Why Should You Purchase Condo Insurance?

Condo insurance can help replace your lost valuables after a storm or disaster. It can help pay to rebuild your and may even pay for alternate accommodations if you are forced to leave due to a disaster or other event.  

While the HOA’s insurance protects the common areas, it generally does not protect your individual unit.

Reasons to Have Your Own Condo Insurance

• Fire or theft: If you are the victim of a fire or a burglary, your condo insurance policy will pay to repair or replace any damaged or stolen items.
• Storms: If a tornado, hurricane, or other storm leaves you temporarily stranded, your policy will cover things like hotels and meals until you can get back into your unit.
• Accidental injuries: If someone is accidentally injured in your condo, your insurance will help cover their medical bills and/or your legal fees.

Still not sure you need condo insurance? As yourself these simple questions:

• Would you be able to replace all your possessions on your own if they were lost today in a fire or theft?
• If your condo were damaged by a tornado, would you be able to pay for all the repairs your Condo Association doesn’t cover?
• If your condo were suddenly uninhabitable, would you be able to afford a hotel?

If the answer to one or all of these questions is no, you should look into a condo insurance policy. Contact the independent agents at HighPointe Insurance Services LLC today!