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.

What To Do if You’re Worried About Your Home Being Underinsured

Home insurance is an essential part of many Americans’ finances. It protects families from the financial consequences of a covered loss, like replacing a stolen television or repairing a roof damaged by a hurricane. 

But for many residents of Overland Park, KS, their home insurance coverage is inadequate. Highpointe Insurance Services LLC knows that many people don’t realize that even a small shortfall in their home insurance can lead to significant financial trouble.

The Dangers Of An Underinsured Home

Imagine you and your family have been in your home for many years and never had a claim. Then one day, a fire breaks out in your home. Then you discover your insurance doesn’t cover the full value of your home. It’s a total loss. 

Can you afford to replace your home? Can you afford to move into a new home? What will happen if you can’t?

This is a situation many Americans find themselves in. In fact, according to the Insurance Information Institute, the average claim for fire and lightning damage costs over $77,000. That’s a lot of money, even if you don’t have a total loss.

How To Make Sure You’re Covered When You Need It

Take a home inventory. Make a list of all the items in your home you would want to claim if you lost them. Take pictures of your valuables. This will help your insurance agent better estimate the value of your property.

Analyze and update your policy when needed. It’s a good idea to review your coverage to ensure it’s regularly adequate. Also, make updates after you do anything to affect your property’s value, such as renovations or installing new detached buildings.

Work with your Overland Park, KS insurance agent. When you have worries or questions about your home insurance coverage, Highpointe Insurance Services LLC is here to serve. 

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.

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.