Does Home Insurance Cover External Structures?

It is important to know exactly what your home insurance covers before you purchase your policy. One aspect of a home insurance policy that many people don’t consider is whether or not it covers external structures such as a shed, carport, or pool house. Having precise knowledge of your policy allows you to understand your coverage and losses you might incur as a result of damage to the structures.

Policy Coverage

Although there are no set guidelines for homeowners’ insurance coverage, as a general rule, most policies will cover an external structure as part of the primary policy. Before you make a home insurance policy purchase, you want to make sure that it does, in fact, provide coverage if you have an external structure with significant value, or with contents of significant value. Always discuss this issue with the insurance agent prior to buying insurance coverage. Some policies may also have stipulations on coverage of an external structure, which is why discussing the fine print is important. 

Get The Information You Need

You should purchase your policy from an insurance agency that is knowledgeable and takes pride in delivering excellent customer service. Your financial security may depend on the terms and conditions outlined in your insurance policy. Reputable insurance providers such as HighPointe Insurance Services LLC serve Overland Park, KS, and the surrounding areas and are happy to sit down with potential customers one on one to clearly outline the details of each policy and answer any questions they may have. 

Get the coverage you need to protect your investment and prevent financial loss in the future. If you live in or near Overland Park, KS, you should call or stop by HighPointe Insurance Services LLC to speak with one of their knowledgeable, friendly agents 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 . 


Why invest in motorcycle insurance?

Are you a motorcycle owner? Are you confused on which insurance company to contact and more so, are you convinced of the importance of having an insurance cover? These are questions most people ask themselves when faced with a dilemma of whether to invest in motorcycle insurance or not.

Overland Park, KS, High Pointe Insurance Services LLC is an insurance company that is here to serve you. We have been in the insurance business long enough to know its importance as well as which type to offer depending on your needs. We have some of the best practitioners who are very patient, knowledgeable as well as experienced. All you need to do is contact us or visit our offices to get the best insurance services.

Let us look at some of the reasons why you should invest in a motorcycle insurance policy.

Avoids financial devastation

We understand that buying an insurance policy can be tricky since you have to spend money. However, that is not always the case. In the long run, it saves you a lot of money as well as stress.

If you get involved in an accident and the court orders you to pay the other party, the insurance coverage takes care of the expenses. What if you have no insurance? You will be forced to use your savings to cover the losses, and that can cause finance challenges.

It is a legal requirement

In most parts of the world with Overland Park, KS included, motorcycle insurance is a legal requirement. You are expected to have an insurance cover before using a bike. So, if you do not want to attract penalties or fines, it is only wise for you to invest in an insurance cover.

HighPointe Insurance Services LLC is here to guide you through the entire insurance process. So, please do not hesitate to contact us.

Can I buy short-term boat insurance?

Suppose that you own a boat, and you only like to take it out a few weeks each Summer, leaving it in the garage the rest of the year. Is it possible to buy short-term insurance, or do you need to keep it protected all year long? What are your options in Overland Park, KS?

Unfortunately, you’re not likely to find an insurer that offers month to month insurance. State, local and federal law surrounding insurance typically mean that even if an insurer wanted to offer such a policy, they wouldn’t be allowed to.

This means that, unless you can afford to insure the boat yourself, or you’re willing to run the risks of piloting it uninsured (which is difficult to recommend for a range of legal reasons), your options are relatively limited here.

You can buy a six month policy from many insurers. This will keep you covered through all of the Summer and a few extra months on top of that, which may be incentive to get out there and do a little more fishing next year. But if you really can’t find time to spend more than a few weekends a year out on the water, this is still a big commitment for a part-time hobby.

You can simply cancel your insurance after a month, but this presents a number of difficulties. You’re generally going to be required to pay a large portion of your insurance policy up front, and it can be hard to say goodbye to that money when you’re not actually completing the policy. Some states require a sixty day cancellation period before you can stop payments.

Ultimately if six months is too much of a commitment, the smartest choice may be to sell the boat, and simply rent one with a short term policy when you’re ready to hit the water. Or, get a 12 month policy from HighPointe Insurance in Overland Park, KS and make the most of it.


Am I covered if I damage my boat on land?

Being able to take your boat out on the open water is a great way to spend a weekend.  Whether you like to fish, swim, or participate in water sports, boating is a wonderful way to spend time with family and friends.  Just like a car, a boat must be insured to help cover any damage that may happen to your boat or as a result of your boat.  But what happens if you damage your boat while it is out of the water?  Luckily, the experts at HighPointe Insurance Services LLC, serving residents in Overland Park, KS, are here to help answer this question.

Typically, boat insurance covers damage that happens to the boat while it is in the water.  This can include damage to your boat or damage to other property or boats in the water.  If your boat is damaged while you are moving it to the water it will be covered solely by your auto insurance.  This is because the boat is attached to your car at the time damage occurs.  If your boat is damaged while it is in your house or driveway, certain home insurance policies will cover the damage.  Depending on your home insurance you may be able to add additional coverage to make sure your boat will be protected.

While owning a boat is certainly fun, there are some tricky questions that can arise when it comes to coverage.  If you have any additional questions regarding your boat insurance reach out to the professionals at HighPointe Insurance Services LLC.  Our team, serving the residents of Overland Park, KS, are more than happy to help.  We are available to answer any questions you might have or help you set up a new insurance policy for your boat. 


Why You Need to Consider Personal Umbrella Insurance

Given our litigious society, there’s always the risk of being sued. If you’re held to be legally liable for injuries or property damage in an amount in excess of your liability insurance policy limits, anything above those limits might have to be paid out-of-pocket. Not only does that impact your present financial situation, but it can also negatively affect your future earnings. With personal umbrella coverage, you’re giving yourself an extra tier of insurance coverage over and above your standard policy limits that protects your personal assets. Umbrella insurance doesn’t just cover your car either. It operates as an extra layer of protection on your homeowner’s insurance too. 

Don’t Ignore the Protection

Your umbrella insurance would be triggered when you reach your limits on your underlying insurance coverage. That’s when your umbrella coverage starts working for you. You’ll have that extra coverage shielding everything that you own. There’s no reason for you and your family not to have it.

Protection Against Unforeseeable Events

All it takes is for the pizza delivery kid to fall from a loose step at your home or a few seconds of inattentive driving. Those are potentially catastrophic risks that you want to be insured for.  They might be unforeseeable to you, but they happen every day. A jury’s award could be staggering and financially devastating. HighPointe Insurance Services LLC is available to help families in the entire Overland Park, KS area. Email us, call us, or stop in for a cup of coffee. We’re pleased to discuss your individual situation and provide you with your options for an additional line of defense. 



How Renters Insurance Protects Your Home In Overland Park, KS

If you’ve ever carried out any research on insurance, or simply seen an insurance ad, then you probably have heard about renter’s insurance. But what is renter’s insurance and how can it protect your Overland Park, KS home?

If you’re living in a rented apartment, chances are you barely think about insurance, after all, your landlord has insurance on the building. Well, what most people don’t know is that the landlord’s policy does not cover any one of your personal property and that’s where renter’s insurance comes in.

If you’re a resident of Overland Park KS and you’re interested in protecting your home, then one way you can do that is to get a renter’s insurance policy. An agency that can assist you in getting renters insurance is the HighPointe Insurance Services LLC.

Before we get carried away even further, let’s see what renter’s insurance is. Renter insurance is an insurance policy that provides coverage for your damaged, stolen, or lost personal properties. It also covers injuries in your home that may occur to another person, say your guest.

So in a nutshell, renters insurance ensures that you have a backup plan if your personal belongings were ever to get lost, stolen, or damaged. But how does it work?

Let’s say your home got burgled. Renters insurance helps to pay your cost if you suffered a loss. It also allows for financial reimbursement in case your belongings get stolen or damaged. The compensation you receive depends on two factors, the type of loss, and the amount of coverage you had.

One thing to note is that certain items such as jewelry and collectibles may have a value limit or they may require additional insurance before the full cost of the lost or theft gets covered.

Thinking of getting a renter’s insurance for your home in Overland Park, KS, then why not check out HighPointe Insurance Services LLC and allow them to assist you in getting the right renters coverage you need for your home.


5 Tips For Home Safety

You should always focus on home safety in Overland Park, KS. At HighPointe Insurance Services LLC, we offer some tips to help you improve the safety in and around your home.

Purchase Fire Extinguishers

Fire extinguishers should be readily available throughout your home. You should have one in the kitchen as well as at least one on every level of your home. Additionally, you should make sure that everyone inside your home knows how to operate them.

Talk with Children

Take the time to talk with all of your children about home safety. Make sure that they know what to do in the event of a fire, tornado, and various other natural disasters. They should all know how to call emergency services as well.

Handle DIY Projects

The various DIY projects that you have on your to-do list should be done in a timely fashion. Especially when it comes to fixing front steps or anything that person could get injured on, you want to put at the top of your list. Otherwise, you could end up with someone suing you for a liability claim.

Install a Security System

It’s a good idea to install a security system in your home, regardless of how safe your neighborhood might be. A security system should provide notifications of when windows and doors are open. The system should also be monitored so that if you are out of town, emergency personnel will be notified of a potential break-in.

Pick Up the Yard

It’s important to pick up your yard from time to time. If you have various items that can be moved around by the wind in Overland Park K,S, they become missiles when there is a storm. Additionally, they could be a trip hazard if you have someone come over.

When you want to get a customized home insurance policy, contact us at HighPointe Insurance Services LLC to speak with an independent insurance agent.