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.

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.

Is Umbrella Insurance Right for You?

There are so many different types of insurance policies that are available in the market that it can get confusing. A lot of people do not know what kind of coverage they need or if a specific type of policy is the best option for them. One of these types of insurance policies that people do not know a lot about is the umbrella insurance policy. This guide from HighPointe Insurance Services LLC, serving Overland Park, KS, can help you determine if this is the right kind of policy to meet your specific needs.

  • It provides additional liability coverage. If you are someone that likes to throw parties at your house and have a lot of people over, then you may want to look into getting more liability coverage. The last thing you want to happen as a result of a party is for you to be sued by one of the guests because of something that happened at the party. This is when liability coverage comes in handy.
  • It can cover the gap. If you have a home or a car that is worth more than you can insure it for, an umbrella insurance policy will actually cover the remaining parts of your home or vehicle so you have full coverage at all times.

Understanding what an umbrella insurance policy can cover is just the beginning. If you still have questions about what it is or still do not know if you need one, then reach out to us here at HighPointe Insurance Services LLC, serving Overland Park, KS, today. We can help you explore your options and can even get you a free quote for coverage that will help to meet your needs as well as meet the needs of your budget.

Why You Need Condo Insurance

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!

3 Things You Should Know About Commercial Insurance In Kansas

The state of Kansas has a job sector that includes more than 50 percent of small businesses. A recent survey showed that among the state’s 237,000 companies with fewer than 500 employees, nearly 60,000 of them served as income sources for a significant number of residents. Around 180,000 small businesses were one-person operations that, nonetheless, contributed to the overall economy. 

HighPointe Insurance Services LLC understands the value of entrepreneurship in Overland Park, KS. Such is the reason why the indemnity company offers a variety of packages for small business owners. Here are three things you should know about commercial insurance in Kansas before you invest in a policy. 

1. Commercial liability insurance protects you and your assets
It only takes one lawsuit to demolish all of your hard work if you lack proper assurance to cover costs. The average commercial liability plan pays for:

  • Property Damage
  • Bodily Injury
  • Advertising Injury
  • Legal Defense and Judgments
  • Personal Injury

2. There are no minimum requirements for commercial liability insurance
The state of Kansas does not require business owners to carry a commercial liability indemnity plan. It is, however, in the best interest of the entrepreneur to protect himself since a plaintiff only needs to prove himself as 49 percent or less at-fault to win a lawsuit against a business. 

3. The amount of coverage you obtain depends on the type of company you operate
It is a good idea for small business owners to invest in an insurance policy that covers at least $500,000 in overall damages. You may, however, need to purchase a higher coverage plan if you operate a high-risk company that patronizes customers on a daily basis. Retail stores generally obtain commercial liability insurance up to and exceeding $1 million. 

Your business is Overland Park, KS contributes much to the community. Let the agents at HighPointe Insurance Services LLC ensure that you are adequately protected against the unexpected. Contact us today for a quote!

Does Motorcycle Insurance Go Down Over Time?

When a person purchases a motorcycle, one of the first things they will want to do is put insurance on it. And while putting insurance on it at first may seem like it is expensive, truth is, as time passes by, there is a good chance that the monthly premium rate will go down. Here is a quick look at two ways to make sure your motorcycle insurance goes down as time passes by instead of up. 

Avoid Speeding Tickets

One of the most common ways that people endure an increase in their monthly insurance rate is by getting a speeding ticket. The more speeding tickets a person has, the higher his or her rate will be, especially when these tickets are acquired in a small amount of time. For those who have only one speeding ticket, it is important to ask about traffic school and check to see if this will keep the ticket off a person’s driving record, which will keep the insurance company from raising the person’s insurance rate. 

Avoid Accidents

Another way to avoid an increase in your monthly insurance rate is to avoid getting in an accident. You, of course, never try to get in an accident, but just be mindful and be extra careful when driving to help prevent an accident from having. Even a small fender bender can cause your rate to go up, so you will want to avoid them at all costs. 

 

If you have questions about your motorcycle insurance and would like to learn more about keeping your rate as low as possible, please don’t hesitate to reach out to HighPointe Insurance Services LLC serving the Overland Park, KS area. 

3 Reasons Why You Need RV Insurance

Do you own an RV in Overland Park, KS? If so, you know how much fun it can be to cruise around the country, just enjoying time with your family. However, you also need to make sure you protect the investment you have made. The best way to do this is by purchasing adequate coverage through HighPointe Insurance Services LLC. 

Protect Your RV

One of the main reasons you need to purchase an RV insurance policy is to protect it. The fact is your RV represents a large investment. It can be damaged by hail, falling trees, accidents and more. If you don’t have insurance coverage, then you may have to cover the damage and other issues out of your own pocket. 

Protect Your Assets 

Additionally, with RV insurance you can protect everything inside your RV. Also, if you happen to be in an accident, without insurance, and have to cover the damages and medical costs of the person you hit, then this can result in all of your assets – cars, home, savings and more – being liquidated to cover the costs. Don’t let this happen. It is easy to purchase RV insurance in Overland Park, KS. 

It’s the Law 

If you drive – anything – on the roads in the state of Kansas, it is illegal to do so without adequate insurance coverage. If you do, you are putting yourself and others on the road at risk. 

If you need insurance for your RV, then you should contact an agent at HighPointe Insurance Services LLC. Here you can talk with professionals who can help you get the coverage you need to protect your property, assets and yourself if an accident or other issue occurs .