Side by Side ATV

Insuring your ATV or Side by Side

An all-terrain vehicle is a great way to explore the great outdoors. If you have a new ATV – a new utility task vehicle or side by side – you’re no doubt eager to take it out for a drive. Before you do, however, you need to make sure you have the right insurance coverage.…

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Delivery driver

Delivery Service & Your Personal Auto Policy

If you take a job as a delivery driver, it is important to understand how your auto insurance policy works. If you do not take extra steps to get your delivery job approved, you may lose your insurance coverage or not be covered for an accident. Here is what you need to know. Personal Insurance…

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Are Service Lines Covered Under My Home Insurance?

Did you know that damage to your house’s service lines is not typically covered by homeowners insurance? This includes: Water lines Sewer Electric Natural Gas Cable TV Internet Fiber Optics And Others While these items are buried, and you might not think they are susceptible to damage, you would be wrong. Damage to underground service…

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Disasters that Insurance Policies do not Cover

Every year, many home and business owners discover there are certain disasters their policies do not cover. It is important to consider these issues before they happen and cause damage that will have to be paid for out of pocket. Earthquakes, floods, and acts of terrorism are three types of disasters that a policy will…

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How to Stay Safe on the Road this Winter

Thousands of people are injured or killed every winter because of overconfidence or unpreparedness while driving in dangerous conditions. It is important for everyone to keep safety tips in mind while driving in wintry conditions. The first step is making sure a vehicle is equipped. To do this, use the following tips:   Make sure…

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94 Earthquakes Reported in Kansas in 2014

Excluded Coverages should be Addressed before a Catastrophic Event Occurs We might think of Missouri before Kansas when considering the risk of an earthquake. However, Kansas has recorded 94 earthquakes to date in 2014 (Insurance Journal). This is significant to property owners because basic (ie. unendorsed) property policies exclude earthquake coverage. Because insurance policies often…

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What Drivers Need to Know to Stay Protected From Deer Collisions

Safe driving is a must when deer are plentiful. During fall and spring, deer are much more common to see on the roads. This is due to fall breeding and plentiful food during the spring months. These animals are most active around sunrise and sunset, which are both times when it is especially difficult to…

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Is Your Home Safe From Lightning Strikes?

One important bit of advice to remember is that if thunder is audible and lightning is visible, it is time to take cover. Failing to do so could be a deadly mistake. There are many people who enjoy thunderstorms, and some people are fascinated by watching the bright flashes of lightning flicker across the sky…

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Should I Buy My Insurance Online? (part 2)

“Of course you would say that. You’re an agent.” Growing consumer confidence in the Independent Agency system proves this point, as Independent Agency market share of personal auto insurance continues to show growth. Despite massive Television and internet advertising campaigns that lend familiarity to a number of national insurance companies and drives consumers to “get…

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Should I Buy My Insurance Online? (part 1)

24/7 online quoting offers consumers unprecedented convenience.  However, treating insurance like a commodity can be dangerous.  Consider a medical world where one could research his or her symptoms, prescribe one’s own prescriptions and be both doctor and pharmacist.  Disregard for the value of such occupational expertise poses serious risks.  Purchasing insurance online may not put…

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