Both renters insurance and homeowners insurance provide financial protection for policyholders against property damage, medical payments to others injured on the property, and legal liability costs. However, there are several significant differences between these two types of insurance that you should know about:

• Home insurance includes dwelling coverage, and renters insurance does not. This fact makes renters insurance a cheaper form of home insurance for renters. 
• Homeowners insurance covers more property, which makes it more expensive than renters insurance. Moreover, property covered by homeowners insurance is of higher value and is more vulnerable to perils. 
• Home insurance covers the structure of a home, while renters insurance does not.
• When you rent an apartment or house, you are not its owner. Therefore, it is not your responsibility to insure your dwelling. Instead, your focus is on protecting personal belongings and covering the liability in case a visitor or guest is injured on your property.
• Homeowner’s insurance does not cover renters and their personal belongings – it only covers the building itself and the personal property of the landlord. 

HighPointe Insurance Services LLC in Overland Park KS – an Insurance Company That You Can Trust

Both renters and homeowners insurance are similar in the sense that they provide protection against property damage, legal liability, etc. However, there are also certain differences you should know about when you are deciding on the type of insurance you should get for your dwelling or the property you own. If you have any questions about these types of insurance and you need some help, do not hesitate to contact HighPointe Insurance Services LLC serving Overland Park, KS, and other surrounding towns. Our professional and experienced insurance agents are ready to answer all your questions and help you find the coverage you need.

People that are all over the Overland Park, KS area should look for ways to enjoy the nice summer months of the year. A great way that you can do this is by getting a boat. When you are in the market for your own boat here, you should get a boat insurance plan. There are a few reasons that someone here should get this type of coverage for their boat. 

They Want to Comply with Local Rules

People will want to get a boat insurance plan so they can comply with local rules. Anyone that wants to use a boat in Kansas should check to see if their local marina or waterway requires you to have insurance. In many cases, having insurance is a necessity to use the local area. If you do not have coverage, you could be restricted from use. 

They Want Coverage

Even if you do not need to have insurance per local rules, having coverage is still valuable. With a boat insurance plan, you will receive coverage that could be used to repair or replace your boat if there is an accident or it is stolen. You will also receive valuable liability insurance coverage, which could provide you with peace of mind while out on the water. 

If you are looking for a new boat insurance plan in the Overland Park, KS area, you may find there are a lot of options and decisions to be made. You can ensure you make a good choice by working with HighPointe Insurance Services LLC. The team with HighPointe Insurance Services LLC understands how valuable it is to have proper boat insurance coverage. We can help by answering your questions and finding you an appropriate policy. 

When you are in the Overland Park, KS area, it will be very important that you have a mode of transportation to get around town. When you are in the market for a new vehicle, you could decide that a motorcycle is a great option. As you are looking for a new motorcycle, you should also spend time assessing your insurance needs. There are several situations when someone in this area will need motorcycle insurance. 

Those that Want to Comply with Law

One situation when someone should get motorcycle coverage is when they want to comply with the law. In the state of Kansas, all motorists are going to be required by law to carry liability coverage at all times. If you do not carry this insurance, you will be out of compliance with state law. If you are caught violating this law, you could be penalized and even lose your license.

Those that Want to Protect Asset

Another situation when someone may want to get motorcycle coverage is when they want to protect their asset. If you have purchased a motorcycle, you will have made a big investment that you will want to protect as well as you can. The best way that someone can do this is by getting motorcycle insurance. If you do get this coverage, it will give protection to repair or replace your motorcycle in a variety of situations. 

If you are going to get a motorcycle policy in the Overland Park, KS area, it would be beneficial to speak with the team at HighPointe Insurance Services LLC. The insurance team with HighPointe Insurance Services LLC understands why people need to have this coverage. They can help you to build a policy that will provide you with the best coverage possible. 

Based in Overland Park, KS, HighPointe Insurance Services LLC serves the community by helping residents find the insurance coverage they need to protect what matters most. We strive to offer our clients a World-class service. We can help you find a policy that suits your individual needs.

Common Misconceptions Regarding Motorcycle Insurance

If you enjoy riding your motorcycle through Overland Park, KS, motorcycle insurance will cover you. The policy protects you if you are involved in a collision of if your motorcycle is stolen. You can add comprehensive coverage to protect you if your motorcycle is damaged in a fire or another type of natural disaster. If you plan to add any custom accessories to your motorcycle, you may have to amend your policy in order to protect those items. While you are researching different policies, avoid some of these common misconceptions regarding motorcycle insurance.

Perhaps you’ve heard that auto insurance can cover your motorcycle, so a motorcycle policy isn’t necessary. This is incorrect. In order to cover your motorcycle, you need a motorcycle insurance policy. Do not rely on your auto policy to cover your motorcycle.

Another common misconception is that parking or speeding tickets may impact your motorcycle insurance policy. This is incorrect. One parking or speeding ticket will not cause drastic changes to your policy. However, it is important that you practice safe driving habits at all times.

You may have heard that you don’t need coverage during the offseason when you are not riding your motorcycle. This is incorrect. Accidents can happen at any time. If an object falls on your motorcycle while it’s in storage and causes a crack or dent, you will not be protected if you don’t include storage coverage in your policy.

Consult With HighPointe Insurance Services LLC.

Life insurance is something that needs to be customized to each individual person. What is right for one person won’t necessarily be right for another. The amounts will be different and the type of life insurance will also be different. Having an insurance agent who you trust to help you navigate through the questions that need to be asked and the answers that need to be analyzed makes it easier. At HighPointe Insurance Services LLC in Overland Park, KS we believe in empowering our clients by making sure they have the knowledge to make informed insurance decisions. 

Life insurance comes in two main types, whole life, and term life. Both of them have a place in a comprehensive financial plan. Depending on your age and insurance needs we will provide you with the information you need to choose the carrier who provides the best product for you. 

Whole life

Whole life insurance is a policy that lasts for your entire life. The price is fixed and it earns dividends. This means it accumulates cash value. You can borrow against a whole life policy or cash it in for the accumulated value. If savings is something you have trouble with, this is an easy way to save while providing protection to your family. 

Term life

Term life has a term, it can be 10, 20, or 30 years. At the end of the term, you may be able to renew the policy but it won’t be at the original premium. What you are paying for is protection there is no cash value. It is less expensive so if you need large amounts, it is the most affordable. 

Don’t put off looking into life insurance. It is one of the most important things you can do for your family. Give us a call or stop by our office at HighPointe Insurance Services LLC in Overland Park, KS to get your no-obligation quote. 

When it comes to operating a business in Kansas, it is important to understand state-specific rules and regulations to ensure that you operate within the confines of the law and avoid any potential issues. To that end, Kansas requires that any size business must carry workers’ compensation insurance to help cover the cost of medical bills related to workplace injuries and illnesses. However, if your business is involved in the agricultural market or as a gross annual payroll under $20,000 then you are not required to have workers’ compensation insurance. Before deciding not to purchase workers’ compensation insurance, check with a trusted source to ensure that your business remains in compliance with applicable laws. In addition to workers’ compensation insurance, any vehicle owned by the business must be covered by a commercial auto insurance policy. Keep in mind that if you require employees to use their personal vehicles for work-related functions such as deliveries or service appointments then you should strongly consider hired and non-auto insurance as personal auto policies generally exclude business use from coverage. 

Depending on the size of your business and the scope of work it may not be a bad idea to consider additional insurance coverage. For instance, opting for professional liability insurance helps protect your business from negligence, work mistakes, or failure to fulfill a contract whereas cyber liability insurance helps businesses recover from losses associated with data breaches or cyber-attacks. 

When it comes to finding a commercial insurance policy, look no further than the friendly and professional team at HighPointe Insurance Services LLC in Overland Park, KS. We work tirelessly to ensure that each of our customers receives the best care possible and can create customized insurance policies that best meet the demands of your business. 

In the Overland Park, KS area, there are many great local lakes and waterways that you can enjoy during the warm summer months. When you are looking to enjoy your local waterways, a great way to do it would be by getting your own boat. If you are going to purchase a boat in this area of Kansas, it is very important that you get proper insurance. There are several reasons why you need to get insurance for your boat.

Required by Boat Lender

One reason why you may need to get insurance for your boat is that it could be required by your lender. Buying a boat is always going to be a big purchase that could require you to take out a loan. If you have taken out a loan, the lender will undoubtedly require that you get a full insurance policy as it will protect their collateral.

Local Marinas Could Require Insurance

Even if you do not have a loan, you may still need to get insurance as it could be required by your local marinas. A local marina will want to make sure that you have the ability to pay for restitution if you cause damage to the property or other boats in the area. Due to this, they may require you have a full boat insurance policy. 

There are many reasons to get a boat insurance policy in the Overland Park, KS area. When you are looking for this insurance, you should hire a team that is experienced in helping customers get into appropriate boat insurance policies. The team at HighPointe Insurance Services LLC can help you to choose a policy that is right for your situation. HighPointe Insurance Services LLC is able to do this by assessing your risks and getting a policy that properly mitigates them. 

One form of insurance coverage you may not have but should consider is umbrella insurance. Umbrella insurance isn’t a policy that simply covers one thing. It is used to cover a number of items you own (everything under the umbrella). But is this kind of coverage right for you? Ultimately you will need to decide, but our staff here at HighPointe Insurance Services LLC is here to assist you with this. When you live in or around Overland Park, KS or staff is here to help answer and address all the umbrella insurance questions you might have. 

Umbrella Insurance Coverage

Umbrella insurance is designed to provide you with additional liability protection over what you own. This covers your home, boat, car, RV, and other items you might own. It can also go for the additional drivers who might be behind the wheel of your vehicle. If you have valuable items or you might be the target for potential lawsuits you will want to look into umbrella coverage. Additionally, if you have a younger driver you may want to consider umbrella insurance as well. You will want to make sure both they are you are protected, so in the event of an accident you will have the additional liability coverage. 

You can adjust the kind of umbrella insurance you have and alter it to fit your needs. This way, if you are looking for a specific policy value you likely can find it. 

Insurance Coverage You Need

If you believe you might need umbrella insurance our staff here at HighPointe Insurance Services LLC is ready and waiting to help. Or, if you have additional questions as you’re not fully sure if it is right for you we can answer those questions as well. Whatever questions you might have we want to address them. So, if you call greater Overland Park, KS home and are curious about umbrella insurance and what it can offer, our staff is just a single phone call away. 

Is RV Insurance Necessary?

Yes, RV insurance is necessary. RV coverage is the equivalent of having insurance for your car or boat. If you intend to get the most from your RV and travel, you are required by law to have a minimum of liability coverage. While liability coverage for your RV is needed, it may not be enough in certain situations.

What is Standard RV Coverage?

Standard RV coverage includes:

• Collision
• Liability
• Comprehensive
• Uninsured, underinsured motorists
• Personal belongings
• Equipment and attached accessories
• Emergency expenses
• Towing and roadside assistance

Collision – Collision coverage is essential for repairing your RV if you’re involved in a car accident.

Liability – If you’re at fault for a car accident, liability coverage handles the damages to the other party’s vehicle.

Comprehensive – Comprehensive coverage includes everything that collision does not cover.

Uninsured and Underinsured Motorist – Although insurance coverage is required by law, not everyone carries insurance, which is the purpose of insured and underinsured coverage.

Personal Belongings – this coverage is essential if you’re interested in RVing full-time. Personal belongings insurance covers your RV if it sustains damage due to a crime, accident, or natural disaster.

Equipment and Attached Accessories – this insurance provides coverage for your RV’s accessories, including bicycles, trailers, awnings, satellite dishes, and similar items.

Emergency Expenses – Emergency coverage is insurance that handles the cost of damages if you’re involved in a car accident.

Towing and Roadside Assistance – Emergencies happen, but sometimes the only you need is a quick fix. Whether you find yourself stranded on the side of the road, have a flat tire, or experience car trouble of any kind, towing and roadside assistance is there to make the necessary minor repairs or haul your car to a shop.

Here at HighPointe Insurance, we understand your need for reasonable and reliable insurance policies. We provide Overland Park, KS residents with RV insurance, and a variety of other insurance solutions. Contact us today to inquire about the insurance policies we offer. HighPointe Insurance looks forward to helping you.