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Sports Bar and Wine Bar Insurance Coverage

If you are the owner of a sports bar, wine bar or other brew pub establishment in the states of Missouri or Kansas finding insurance for your business can be very difficult.  Today, I am proud to announce that Farmers Insurance now has an appetite for this line of business.

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We have been an industry leader in restaurant insurance, and we are expanding our appetite.  If you are in the market for insurance on your sports bar, wine bar or other had to place restaurant business give us a call.  We are experts in the restaurant industry and would welcome the opportunity to earn your business!

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June Tips

When summer arrives, many people leave the day-to-day routine behind and go on vacation in June.  Hopefully you’re planning a trip sometime soon too!

But what do you need to know before you hit the road? Consider these special situations:

Rental Cars  – If you choose to rent a car, make sure you understand how your insurance works. A rental car company will want to sell you special coverage to cover the car while you are driving it. The insurance will cost you a certain amount extra each day. But did you know that your current insurance will typically also cover you at no additional cost?

However, if you have a claim filed on your current policy, your rates could go up in the future.  And rental car companies could file a claim for very minor damage.

Obviously it is a risk either way, but make sure you know your options. And please contact us BEFORE renting a car to find out what is specifically covered on your policy.

Hosting A Barbecue  – It’s always fun to throw a summer barbecue. It’s even more fun when you aren’t worried about your insurance! Your homeowners and renters insurance covers you if someone is injured on your property due to your negligence. That means that if they trip on a step, fall on the patio, or cut their hand on a glass, you don’t have to worry.

But, as always, you need to discuss this with your agent and go over exactly what coverage you have. If you have a lot of assets, then you might need additional liability coverage too.

Notice a pattern here? The general rule is that you need a personal insurance agent who is looking out for your particular needs! There is not a “one size fits all” approach when it comes to protecting your family and your belongings.  Take just 5 minutes to give us a call today to discuss your policy!

The Biggest Risk To Your Home (And How To Prevent It)

Most people think the biggest risk to their home is a fire or a bad storm.  It’s why they buy insurance (and the fact it’s required by their mortgage lender). But in reality, the biggest concern is protecting your assets from a liability claim.  Consider this…

Warm weather has arrived and everyone is beginning their yard work. Mowing, planting, flowers, and digging those vegetable gardens. There is a lot of work to be done.

So let’s say that you dig a large hole in the front yard so you can plant a new tree. You walk away for a moment and while you’re gone the kid next door runs through the yard, falls in the hole, and breaks his ankle.

Unfortunately, you could be held responsible for his injury. But not to worry, your homeowner’s liability insurance is made for these kind of situations. It will pay if someone is injured on your property. It’s also the coverage that protects you if the dog bites your child’s friend (as long as it’s not a restricted breed) or if your cousin falls down your front steps.

If you have a large number of assets, then you’ll want higher liability coverage. If the injury exceeds your liability coverage amount, then you could be sued for the difference.

Work with us to determine the amount of coverage that you are comfortable carrying. No one can protect themselves by just being careful alone. There are too many possible scenarios that you could never avoid. But with the right insurance coverage, you’ll never have to worry.

Call us today for a free review and to discuss how much liability coverage you need.

What College Graduates Need To Know About Auto Insurance

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You’ve proudly watched your child graduate from college (and celebrated the last of the tuition bills!)  Now they’re searching for their first “real” job and ready for a new phase of life.

This is what you and your new grad need to know about their insurance.

First, in most situations, they can remain on your auto insurance policy as long as they are living in your household.  If they’ve moved back home while job hunting, you can keep them on the policy.

But once they move out, it’s time to look at other options.  Some of this will depend on who is the owner of the car and if you’re living in the same state.  The best option is to talk to one of our agents to discuss your particular situation in detail.

If your graduate is moving out on their own, you’ll also want to get some information on Renters Insurance.  It will protect their belongings and protect you from any liability for damage they might cause to a residence (even if it’s just an accident, like a small kitchen fire.)  In most cases, a parent is a co-signer for a lease and needs to make sure this protection is in place.

The end of college marks some big transitions into adulthood.  Help your new graduate to make smart financial decisions and establish a great start.  We can help!  Schedule a personal review and quote today.

Insuring Your RV, Boats, & Summer Fun

Summer is on its way.  Before we know it there will be Memorial Day barbecues and long weekends at the lake.
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That’s why now is a great time to review insurance coverage on all of your summer toys.  Read below for things to consider (and review with us) before the big items come out of winter storage.

RV – Your motor home or travel trailer needs insurance coverage, especially if you’ll be driving or pulling it this year.  Even if you don’t have a loan on your RV, you will want it covered for theft or damage.  Whether they are parked on a lake lot for the season or driving cross country, we offer several RV policies to fit your needs.  Just call us for a quote.

Boat – The same thing goes for your boats and jet skis.  You’ve made a big investment and it’s important to protect them.  Not only should you worry about damage to your boat, but also make sure you have the proper amount of liability coverage.  Don’t forget your life jackets!

Motorcycle – Ready to hit the road for a long drive?  Remember to brush up on your safety skills and always wear a helmet.  Don’t forget to make sure your motorcycle has liability coverage just like your vehicle!  We can help you determine what coverage you need.  Especially important is uninsured, under-insured and medical payment coverage.

Swimming Pool – If you own a pool, then you need extra liability coverage including a Personal Umbrella Policy.  Why?  Because there is a lot more risk of someone being injured when you have a pool.  Don’t skimp on your coverage and make sure you have the pool area secured and safe.

Summer is a lot more fun when you know that your high price recreational items are properly insured and protected.  Take 15 minutes to call us for a quote or to review your current coverage.