Tag Archive | Insurance Knowledge

Don’t Be “Cheap” when it comes to insurance coverage. The worst scenario is being under-insured when you have a large claim.

You pay a lot for insurance coverage; when you have a claim you want adequate coverage and not have to come out of pocket more then your deductible. 

One of the biggest fallacies is that consumers only care about getting better rates.
Here are things that you as a consumer should know:

  • Property prices are increasing and people want to protect their investments
  • Most properties in the California fires were under-insured, probably to reduce premiums
  • Clients WILL PAY more for better coverage. Often their current agent/company hasn’t reviewed their policies and the client has too little coverage
  • We will pointing out the facts to you while being professional and we will win your business

The mortgage industry lost trust of mortgage brokers after the 2008 mortgage crisis and many lost their jobs. We pledge not to this happen to the insurance industry! We will help you evaluate your risks and gives you an abundance of information to help you select the proper coverage, insure to value, and select appropriate premium.

Call, text, click or email for your personal or business insurance review today.
Auto: https://farmerskc.wufoo.com/forms/k1k5v5jm1v0nvnr/
Home: https://farmerskc.wufoo.com/forms/xhkisc70sllksw/
Life: https://farmerskc.wufoo.com/forms/zfmqeo81f1s9l6/
Business: https://farmerskc.wufoo.com/forms/zgmy4rd1knkaqw/

 

 

 

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–How to avoid freezing pipes–

Unoccupied buildings are susceptible to damage especially when Mother Nature sends an unpredictable wave of frigid air across the country.
freezing-pipes-2We usually associate freezing pipes with cold climate states, but temperatures low enough to freeze or damage pipes can happen anywhere in the country.  The water damage can be more severe when pipes burst in areas considered to be “warm” because proper precautions and action plans are not in place.

Here are some tips to aid policyholders in protecting their properties:

  • Turn on the heat to keep the entire building warm.
  • Confirm cracks or wall penetrations are sealed, and doors and windows are securely closed.
  • Install devices to shut off water in the event a pipe leaks and water is flowing.
  • Inspect/replace appliances and water supply lines as recommended by the manufacturer, and when damage is observed.
  • Insulate or apply heat tape to water pipes, including wet sprinkler system pipes.
  • Install a monitoring system for building temperature.
  • Heat sprinkler control valve/fire pump rooms with UL approved devices.
  • Develop a plan and locate all water shut-off valves so quick action can be taken for a leak.
  • Use a qualified service or individual for interior inspections during weather events or any extended unoccupied periods to confirm the security of the property.

When small problems go undetected, they become big problems.  Business and rental property owners should prepare for events or seasons when buildings may go unoccupied for a planned or unplanned period of time.

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FINALLY!!! Proper Insurance for UBER Drivers

UBER DRIVERS—Do you have a lack of the proper Insurance Coverage??? When the app is on and the driver is seeking riders – (Period 1) there may be only limited coverage from the Rideshare company and possibly NO COVERAGEunder the driver’s personal automobile policy.
Effective immediately (KANSAS RESIDENTS ONLY) I have one of the first major carriers to begin offering a new Rideshare Endorsement. With this endorsement, Rideshare drivers can avoid a potential gap in coverage by extending their personal auto policy coverage when they are logged in and waiting for the next ride. At this time this endorsement is for KANSAS residents only. Message me or call me at 816-795-5977 if you would like a quote.uber-logo

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.