Fallen Tree

My Neighbor’s Tree Fell on My Garden Shed – Whose Insurance Pays?

Imagine you’ve been involved in a car accident. Insurance information gets exchanged and claims get filed, but how do insurance companies determine who pays for what? The simple answer is that it just depends on the circumstances. Liability Claims If you are involved in an accident, the other party may file a claim with your…

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Lady wrapping a gift

Happy Holidays to All

The nights are getting longer, but thanks to warm homes, an abundance of healthy food, and the company of our friends and family, the winter days seem especially bright. While it’s easy to get caught up in the hustle and bustle of daily life, the holiday season is a time to remember what’s really important.…

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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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Why Businesses Need Cyber Insurance and What it Covers

Many businesses do not understand just how important cyber insurance is or why they need it. Businesses that keep large amounts of personal data, corporate data, trade secrets, and other protected information are the most common targets for cyber thieves. What Does Cyber Insurance Cover? There are several inclusions in a cyber insurance policy. Any…

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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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