Motorcycle Insurance Explained

You have always dreamed of owning and riding a motorcycle, and now you have finally achieved that dream of owning one. It is necessary to take steps to ensure the protection of your bike. One of the ways you can protect it is to get it insured. Not only is it a good idea, but many states require motorcycle insurance.

What types of coverage are available?

Some people think their auto insurance covers their motorcycles, but many insurance companies have separate policies. Read more to see what types of coverage are available for motorists.

Liability insurance

There is a minimum requirement for liability insurance in Kansas. Liability insurance will cover the damage or injuries to the other driver or passengers in any accidents you cause.

Comprehensive and collision insurance

Comprehensive coverage covers any damage to the motorcycle that comes from something other than a collision, such as theft, vandalism, or a natural disaster. Collision insurance helps pay for damage to the bike from an accident, even if it was your fault.

Underinsured/uninsured motorist insurance

You might get into an accident that was the other motorist’s fault, and they don’t have liability insurance or don’t have enough to cover the cost of the claim. In these circumstances, underinsured/uninsured motorist coverage will help cover the costs that the other party is not able to cover. If you didn’t have this type of coverage, you would have to fork out the money for repairs and possible medical costs.

What to look for in a policy?

You should confirm that your policy has the required minimum coverage for your state. In Kansas, the minimum requirements for motorcycle insurance include liability coverage, uninsured/underinsured motorist coverage, and PIP or personal injury protection coverage.

Contact us

If you own a motorcycle and need insurance, contact us for a quote at HighPointe Insurance Services LLC in Overland Park, KS.

The importance of wearing a helmet while riding a motorcycle

Motorcycle helmets have been shown to save lives. In fact, according to the Insurance Institute for Highway Safety, “helmets are 37 percent effective in preventing fatal injuries to motorcycle riders and 41 percent effective in preventing serious injuries.”

But the fact is, no matter how good you are at riding a motorcycle, things can go wrong – and when they do, a helmet can be the difference between life and death. Despite this, many riders choose not to wear them. Some say they don’t like how they look or feel; others claim they have never had an accident, so they don’t need one.

So, what type of helmet should you wear while riding a motorcycle? There are several different options, including full-face helmets, modular helmets, and open-face helmets. Full-face helmets provide the most protection and coverage but can be hot and uncomfortable in warmer weather. In contrast, open-face or “chopper” helmets offer good protection while allowing you to have more ventilation.

However, the most crucial factor when choosing a motorcycle helmet is how well it fits your head. If it’s too loose, it won’t provide adequate protection in an accident; if it’s too tight, it will be uncomfortable and could even cause headaches.

To ensure that your helmet fits properly, you should always follow the manufacturer’s instructions for fitting. This typically involves adjusting straps, pads, or liners until the helmet is secure but not overly tight. You may also want to consider getting a professional fitting at your local motorcycle dealership.

If you have questions about motorcycle safety, give HighPointe Insurance Services LLC a call today. We are proud to serve the Overland Park, KS area. 

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. 

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.

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.

A Few Benefits of Motorcycle Insurance

If you own a motorcycle in Overland Park, KS, you should consider investing in motorcycle insurance. It is required in many states to carry at least the minimum amount of coverage. Aside from following the law, there are numerous reasons you should get motorcycle insurance from an agency like HighPointe Insurance Services LLC. Here are a few of them.

Liability Coverage

Liability insurance will kick in if you are found to be at fault for an accident that you’re involved in. It will also assist in paying for damages that are caused to another individual or property, which keeps you from having to pay these expenses out of your own pocket. Just make sure when you buy this coverage that you opt for a deductible that you can afford to pay.

Comprehensive Insurance

If someone else is at fault for an accident you are involved in, their insurance should cover the costs for injuries and property damage. However, not everyone carries insurance coverage or sufficient coverage. This is where comprehensive coverage comes in. It will also cover non-accident-related incidents like your bike being vandalized or stolen and storm damage.

Passenger Coverage

If there is a good chance that you will be having passengers on your bike, you will want to ensure you speak to your insurance agent and find out if your policy will extend to them in the event of an accident of any kind. This coverage can not only provide financial help for your passengers but will also protect you from the potential of a lawsuit or serious tension with a close friend or family member.

If you are looking for a motorcycle insurance policy that will cover you, your bike, your passengers, and more, contact HighPointe Insurance Services LLC, serving Overland Park, KS, to speak to a qualified agent who can help identify your needs and create a quote for you.