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.

A Guide to Buying Motorcycle Insurance

A motorcycle can be a great form of transportation. Its small size enables it to go where bigger vehicles are unable to reach, whether that’s commuting across town or off-roading in the woods. When you have your ride, you’ll want to protect your investment by buying motorcycle insurance.

 At HighPointe Insurance Services LLC serving Overland Park, KS, we are ready to walk you through some basics on what motorcycle insurance is, its costs, and the factors to consider when getting coverage for your motorcycle.

Understanding Motorcycle Insurance

Motorcycle insurance varies depending on several factors, such as make and model, rider’s age, coverage types, and where you live. As with most things in life – the more you drive – the more expensive your policy will be. 

The Major Types of Motorcycle Coverage

There are three types of motorcycle coverage; Liability, Comprehensive, and Collision. Depending on the motorcycle you have, you may need all of them or just liability coverage.

  • Liability insurance will cover damage to a third party in case of an accident. So if you hit a car while riding your bike – this is the policy that will pay for damages to it– hence – ‘liability’. Anytime someone else’s property is damaged because of you, this is the policy to have.
  • Comprehensive insurance – Comprehensive motorcycle insurance covers damage to your bike that was not the result of an accident. This includes theft, fire, and other major disasters. Considering how expensive motorcycles can be, this type is usually worth its higher price tag because the cost of replacing or repairing a motorcycle without insurance could easily exceed several years’ worth of premiums.
  • Collision coverage – This type covers damage to your bike if it collides with another vehicle or object. It may also cover damage from falling over or running into roadside obstacles such as mailboxes and telephone poles.

Not sure how to go about getting proper motorcycle insurance or even if you need it? Don’t fret; HighPointe Insurance Services LLC at Overland Park, KS has got you covered. We can help you choose an insurance policy that suits you and your bike.

Life Insurance in Overland Park, KS: Four Tips for Younger Families

Living in the moment is important, but as a young family In Overland Park, KS, you want to ensure that your family is fully protected in the event the unexpected should happen. The good news is that you can live with peace of mind while providing a financial safety net for your family by investing in a life insurance policy. HighPointe Insurance Services LLC wants to share a few tips regarding life insurance for younger families.

Don’t Procrastinate

You never know when an accident may strike, regardless of your age. Therefore, you should never put life insurance coverage off. Apart from having peace of mind early on in life, starting a life insurance policy when you’re young and healthy can often help you lock in better rates.

Calculate an Appropriate Amount of Coverage

When determining the amount of coverage you want and need, you don’t want to go overboard and pay for more than necessary. However, at the same time, you want to ensure you have plenty to cover any outstanding debts, funeral costs, and future expenses your family may incur without your income. As a general rule, you should consider an amount between six and 10 times your annual salary.

Compare the Types of Coverage

There is more than one type of life insurance coverage, and it is important to compare them to see which one best fits your situation. Term life policies last only a certain period of time, such as 10, 20, or 30 years. As soon as this period is over, your policy expires. This is great for individuals who only want coverage until the kids are grown and major expenses have been paid off. Whole life policies offer permanent coverage because you pay premiums for the rest of your life, but they do cost more.

If you need help figuring out the best life insurance policy for your family, don’t hesitate to reach out to us at HighPointe Insurance Services LLC. Serving residents of Overland Park, KS and the surrounding areas, we can help you explore your options and find the best one for your needs.

3 Benefits of Having Business Insurance

As long as you’re running a business, whether big or small, you’ll face different risks that will have financial implications for your business. These risks include theft of company property, fire damage, natural disasters, death or disability of essential employees, lawsuits against your business, and auto accidents.

These risks are detrimental to your bottom line and could even put you out of business in worst-case scenarios. That’s why you need to purchase business insurance from a top insurance partner like HighPointe Insurance Services LLC in Overland Park, KS.

Here’s how business insurance helps your business.

1. Boosts Confidence Among Your Clients and Employees

Some customers will demand proof of insurance before they give you their business. Especially if your company deals with sensitive information like security and medical data, customers will require you to have liability insurance.

If you have workers’ compensation insurance, your employees will feel more confident working in your company because they’re covered in case they get injured at the workplace.

2. Shields Your Business From Financial Damage

With the many risks your company faces every day, you can quickly go bankrupt if you cover all losses using your operating capital. For instance, replacing a company car ruined in an accident will set you back thousands of dollars if you don’t have commercial auto insurance.

3. Following the Law

Some states like Kansas require companies to have workers’ compensation insurance. Hence, if you’re in Overland Park, KS, you’ll have to carry workers’ compensation as required by Kansas law.

Why Trust HighPointe Insurance Services LLC?

With years of experience in commercial insurance, we know what small and big businesses are looking for when buying business insurance. When you partner with us, you’ll enjoy competitively priced insurance rates tailored for your business needs. Call us today to get your quote.

Why do people in Kansas need boat insurance?

The Overland Park, KS area has continued to be a fun place for people to live. One time of the year when this is a great place to live in this part of Kansas is during the summer. During this time of the year, owning your own boat is a great idea as it will ensure you can enjoy all the local waterways to the fullest. Those that are going to buy a boat in this area also need to get boat insurance for a few reasons. 

Coverage for Asset

A key reason that you will need to have a boat insurance plan is that it can protect your asset. When someone buys a boat, they will be making a big long-term purchase and investment. Due to this, you will want to know that your investment is protected. With boat insurance, you will have coverage to mitigate several forms of loss including theft or accident damage. 

Insurance Requirements

You may also need to have insurance to comply with various requirements. Most boat loan providers will require that owners take out a full boat insurance plan. Further, if you want to use your boat in certain marinas, you may be required to carry an insurance plan at all times to comply with local rules. 

Getting a boat insurance plan in the Overland Park, KS area should be considered a necessity for anyone here. If you are looking for a plan in this community, it would always be helpful to call HighPointe Insurance Services LLC. There are a lot of unique choices that need to be made when you are looking for coverage here and HighPointe Insurance Services LLC can make it a lot easier for you. They will give personalized support that will help you choose the ideal plan. 

Boost Your Liability Coverage With Umbrella Insurance

When you have both home and vehicle insurance, you may not have as much coverage as you think. For better coverage for liability, there is the umbrella insurance policy. If you’re interested in this kind of policy, call us at HighPointe Insurance Services LLC in Overland Park, KS to find out more.

Your Liability Coverage

When you already have a home and an auto insurance policy, these protect you with different types of coverage. One of those is liability protection in case of an accident or other incident. However, many people don’t have much liability coverage. Home policies often have very little of this coverage, and auto insurance often has only the minimum mandated by the state. That may not be enough to pay for any serious accident that could happen. It’s important to have enough liability coverage just in case. That’s where the umbrella insurance policy comes in. It gives you more liability coverage for the policies that you already have.

How Umbrella Insurance Works

Your auto and home policies will have a clear maximum payout that is stated in the contract. When you have an accident that you are liable for, that policy will only pay up to that maximum. If the medical bills are higher, it’s up to you to pay the rest. But when you have an umbrella policy, your amount of liability coverage is extended for both of those policies. After they have reached their payout maximums, your umbrella insurance comes in to pay the rest up to a much higher payout maximum. This can save you from having to come up with the money for those bills. 

Get an Umbrella Policy

If you don’t have much liability coverage, it may be time to get an umbrella policy. Give us a call at HighPointe Insurance Services LLC in Overland Park, KS.

Why Do I Need Renters Insurance?

A good renters insurance in Overland Park, KS, provided by HighPointe Insurance Services LLC, can prove to be the right decision. There are some major reasons why you should consider renters insurance, some of which have been discussed below. 

Provides Liability Coverage

One of the most important benefits of insurance policies is that they help you to cover liabilities. In this case, renters insurance can help you to cover some of the liabilities that you might incur when someone is injured on your property. 

Provides Coverage to Your Properties

You might have a perception that you do not own much personal property. However, when you add them up, appliances, furniture, and clothing might turn out to be a huge investment. When you lose such properties, renter’s insurance will help in replacing them. 

Covers Your Items when You Travel

When traveling, people are always scared about their properties back at home. Others lose some items as they travel around the world. In such situations, renters insurance comes in handy and provides the necessary coverage. You should always get clarity from your insurance company about coverage when traveling. 

Covers Additional Living Expenses

Living expenses are likely to add up when your home has some problems. For example, a major repair might be required forcing you to stay in a hotel. Renters insurance will cover the extra living expenses for the duration you will live in the hotel. 

Renters Insurance is Required by Landlords

Some landlords are very strict about renters insurance. You will not get a unit without having such insurance policies. If your landlord is concerned about renters insurance, you have no other option but to have one. 

Working with the Best Insurance Company

As you can see, renters insurance is needed in Overland Park, KS. However, getting it from the best insurance company like HighPointe Insurance Services LLC will make the difference. Not every insurance company in the market will offer what you need.