Buying a Supplementary Health Policy

In today’s age, whether your employer offers health insurance or you have a policy through your educational institution, opting for a second health insurance policy can be beneficial. In this blog, we at Fortress Insurance Agency discuss why you should consider this.

Covering Unmet Healthcare Needs

Many employers in Overland Park, KS, offer their employees health insurance. However, these policies may not encompass all healthcare necessities. Individuals might need a secondary policy if their existing coverage does not support certain essential healthcare procedures.

Student healthcare plans often only cater to basic healthcare requirements, with campus healthcare being the primary treatment resource. These centers may employ competent doctors but could lack other critical facilities like advanced testing or even a hospital. A secondary health policy can provide assurance for a full year, addressing the issue of academic-year-only health coverage.

Lacking Wellness Programs in Your Primary Health Policy

Health insurance purchased through the U.S. Healthcare Marketplace often includes a wellness program. However, several policies may provide limited benefits. Procuring a secondary policy can offer the wellness program coverage you desire. This might include sessions with nutritionists, tailor-made programs for diabetes or high blood pressure management, and even yoga classes.

Adding to Medicare Coverage

Retirees might also find additional health coverage beneficial. The government-issued standard Medicare plan mainly covers hospital stays and in-hospital medical tests. An individual seeking coverage for doctor visits requires Plan B coverage, while prescription coverage needs Plan D. Instead of buying a government-issued Medicare plan, purchasing a private medical care policy can offer a comprehensive solution.

Engage with Fortress Insurance Agency

At Fortress Insurance Agency, we strive to provide healthcare insurance that meets a variety of needs. We’re here to assist the residents of Overland Park, KS, in securing the health coverage they need to stay safely insured. Contact us today.

What Types of Boats Have to Be Covered By Boat Insurance?

Boat ownership brings excitement and adventure but comes with responsibilities, including protecting your investment with the right insurance coverage. At Fortress Insurance Agency, serving the greater Overland Park, KS area, we’re here to help you understand which types of boats require insurance coverage.

Motorized Boats

Motorized boats, including powerboats, motor yachts, and personal watercraft such as jet skis and wave runners, are typically required to be covered by boat insurance. Whether cruising on a lake, river, or ocean, insurance helps protect you, your passengers, and your vessel from unexpected accidents, damage, or liability claims.


Sailboats, whether small recreational vessels or larger sailing yachts, should also be covered by boat insurance. Even if a motor does not power your sailboat, it’s still susceptible to risks such as collisions, storms, theft, and liability claims. Sailboat insurance provides financial protection and peace of mind while you navigate the open waters.

Fishing Boats

Fishing boats, including bass boats, center consoles, and offshore fishing vessels, should be insured to safeguard against potential risks on the water. Whether you’re casting lines in freshwater lakes or deep-sea fishing in the ocean, fishing boat insurance offers coverage for property damage, equipment theft, and liability concerns.

Personal Watercraft (PWC)

Personal watercraft, such as jet skis, Sea-Doos, and WaveRunners, are popular recreational vehicles that require specialized insurance coverage. PWC insurance protects you and your watercraft from accidents, injuries, and property damage while you enjoy thrilling rides on the water.

At Fortress Insurance Agency, we understand the unique insurance needs of boat owners in the greater Overland Park, KS area. Our experienced agents will work closely with you to assess your boating activities and coverage requirements. Call us to get started.

Easy ways to eat healthier

Eating healthier can seem like a daunting task here in the Overland Park, KS area, but it doesn’t have to be. There are easy and delicious ways to make small changes that will help you get on the path to better health.

Here are some simple tips from us at Fortress Insurance Agency for eating healthier: 

1. Start your day with a healthy breakfast.

Eat a healthy breakfast to kick-start your metabolism and have adequate energy for the rest of the day. Choose breakfast foods that are full of fiber and protein, such as oatmeal, eggs, whole grain toast, and fruit. 

2. Pack your own lunch or snacks.

Making your own lunch or snacks prevents you from making unhealthy choices when dining out. Pack nutritious options such as fruits, nuts, and vegetables paired with lean proteins like tuna or peanut butter. 

3. Eat more plant-based meals.

Incorporating more plant-based foods into your diet is an easy way to get more vitamins, minerals, and antioxidants into your body without having to sacrifice taste or nutrition quality. Try adding extra fruits and vegetables into dishes whenever possible, or start with one meatless meal a week. 

4. Cut back on processed foods.

Processed food usually contains unhealthy fats, salt, and added sugars which can be detrimental to our health if consumed in large amounts over time. Try swapping out processed snack options for healthier alternatives such as fresh fruit or trail mix made with nuts and dried fruit instead! 

5. Monitor portion sizes.

Make sure you’re not overeating by monitoring portion sizes of food choices when cooking at home or dining out at restaurants – this will help you maintain a healthy diet without feeling deprived of flavor! 

Reach Out To Us

For more tips or to explore a health insurance policy, please give us at Fortress Insurance Agency a call today. We are proud to serve the Overland Park, KS area.

Tips to prepare your boat for a storm

Preparing your boat for a storm is an important part of marine safety here in the Overland Park, KS area. Knowing what to do and how to do it when a storm is on its way can help ensure the protection of your vessel, passengers, and crew. Here are some tips from us at Fortress Insurance Agency to help you prepare your boat for a storm.

Tips to prepare your boat for a storm

1. Move Your Boat:

If time permits, it’s best to move your boat away from the shoreline or dock onto deeper waters where waves won’t be as strong and destructive.

2. Secure Loose Gear:

Make sure all loose items are secured on board before the storm arrives. This includes tying down any canvas covers or sails, as well as securing anything that could become projectiles in high winds like oars, life jackets, anchors, and fishing gear.

3. Check Fuel & Fluid Levels:

Make sure your fuel and fluid levels are full before a storm strikes so you have enough gas on hand if you decide to take shelter or run from the storm. Also, check other systems such as electrical components and batteries – these should all be functioning properly so that you don’t get stranded in bad weather due to technical problems. 

4. Properly Anchor Your Boat:

Anchoring your boat correctly can make all the difference during a severe storm; make sure you employ proper anchoring techniques such as using multiple anchors at different angles or depths and ensuring they have enough rope attached for flexibility of movement in changing water depths or wind directions during the storm. 

Reach Out To Us

For more tips, give us at Fortress Insurance Agency a call today. We are proud to serve the Overland Park, KS area.

Safe boating tips

Safe boating is a fun activity enjoyed by many in the Overland Park, KS area, but it’s important to be aware of safety tips and regulations. Fortress Insurance Agency has long been providing boat insurance to our clients and can assist with related queries. 

Here are a few tips from us to keep your boating experience safe and enjoyable:

1. Wear a life jacket at all times

 It’s the law in most states that children must wear life jackets while on the water, but everyone should be wearing one regardless of age or swimming ability. It could save your life!

2. Avoid alcohol

Alcohol impairs judgment and can put yourself and others at risk of an accident. If you do plan on drinking, make sure someone else is designated as navigator who isn’t under the influence so you can make it back safely. 

3. Have an emergency plan

Make sure you know how to contact emergency services in case of an accident or distress signal, and know where your nearest hospital is located in case of medical emergencies. 

4. Be aware of weather conditions

Weather can change quickly, especially near the shoreline where wind speed can significantly increase with little warning. Make sure you check local forecasts before heading out each time, so you’re aware of any approaching storms or high-speed winds. 

5. Familiarize yourself with boat navigation rules

To ensure everyone has a safe experience on the water, make sure you understand navigation rules such as right-of-way when operating around other boats and buoys that mark special water zones for safe navigation near shorelines or fishing areas. 

Get Boat Insurance Today

Remember to stay safe out there! With these tips in mind, you can enjoy your time on the water without having to worry about any potential risks associated with boating activities. For more tips, call us at Fortress Insurance Agency today. We serve the Overland Park, KS area boat owners with vital insurance coverage.

Best places to go boating

Fortress Insurance Agency is located in Overland Park, KS and we serve clients all over Nebraska, Kansas, Missouri, Iowa, Oklahoma, and Texas. 

If you’re looking for a great place to go boating in Texas, you’ll want to check out one of the state’s many beautiful lakes. Lake Buchanan, Lady Bird Lake, Canyon Lake, Inks Lake, LBJ Lake, and Lake Travis are all great options. Each offers its own unique set of activities and scenery. So no matter what kind of boating experience you’re looking for, you can find it in Texas.

Best places to go boating in Texas

Lake Buchanan is a great place to go boating in Texas. It’s well-known for its clear, calm waters, which make it perfect for swimming, fishing, and kayaking. The lake is also home to a variety of wildlife, including deer, bald eagles, and ospreys. If you’re looking for a beautiful place to spend a day on the water, Lake Buchanan is definitely worth checking out.

Lady Bird Lake is another great place to go boating in Texas. It’s located in the heart of Austin and offers stunning views of the cityscape. The lake is a popular spot for fishing, kayaking, and stand-up paddleboarding. There are also a few restaurants and bars located on the lake’s shores, so you can enjoy a meal or drink while taking in the beautiful scenery. Lady Bird Lake is definitely worth a visit if you’re in the Austin area.

If those scenic locales are not near you, you might want to try one of these instead:

– Canyon Lake

– Inks Lake

– Lake LBJ

– Lake Travis

Get Boat Insurance Today

Be sure to stay safe on the water, and to only go out on a boat that is insured in case anything goes wrong. If you have additional questions about places to visit or your boat’s insurance, call Fortress Insurance Agency. We proudly serve the greater Overland Park, KS area, and in multiple states, including Texas. 

Three Considerations for RV Insurance

You want to make sure your RV is properly insured, and you reach out to us at Fortress Insurance Agency in Overland Park, KS to discuss your options. Our experienced insurance agents are here to guide you through getting the right policy for your vehicle.

Here are some considerations to discuss:

Type of Camper

The type of camper you own will determine what kind of insurance is required. Most RVs are the pull-behind variety. In Overland Park KS you are only legally required to have RV insurance for motorized RVs. If you have a loan on your fifth wheel or pop-up, though, your lender may require it to be fully insured.

Personal Items

Your RV coverage doesn’t cover your personal effects within the camper itself. Those would be covered under your homeowner’s or renters’ policy. If your trailer will contain expensive items like high-end adventure gear or pricey electronics, it’s a good idea to secure additional coverage to protect them.

Primary Use

Most RV insurance is built to cover recreational use only. Many RV policies will not cover full-time RV living. It’s important to discuss your needs to get the right policy for your needs. Policy details you may wish to discuss with Fortress Insurance Agency when you are ready to create or adjust your RV policy include:

  • Personal liability: This refers to if you owe someone else for damages. This is not automobile liability. It may cover dog bites, but some policies have breed restrictions and reduce the limit for claims related to bites.
  • Contents: The things not glued, screwed, or nailed to your RV permanently.
  • Additional living expenses: Money to live on while your RV is being repaired for a covered loss.
  • Roadside service: Towing, tire replacement, and gas/oil delivery can be a huge boon to full-time RVers.

Get The Right Coverage Today

When you are ready to look at your RV insurance options, call us at Fortress Insurance Agency in Overland Park, KS. Our expert staff can answer all your questions and help you feel confident with the choices you make.

Insurance Considerations For Full Time RV Living

If you have decided to embrace RV living, there are plenty of adventures and excitement waiting for you. To make sure the good times keep on rolling, though you will want to make sure that you have considered your insurance needs for this lifestyle. At Fortress Insurance Agency, serving Overland Park, KS, we can help you make the most of RV life. Keep reading to learn more. 

Full Time Vs Part Time RV Insurance 

It is important to understand that your insurance needs will be different when you decide to live in your RV full time. A part-time RV insurance policy will not be sufficient for this lifestyle. 

If you are living in your RV, you will want to discuss with your insurance representative what can be covered under this policy. 

How Much Coverage Do I Need?

The amount of coverage you will need for full-time RV living will depend on the value of your personal belongings as well as the value of the RV itself. The best way to assess this amount will be to discuss these details with the insurance representative. They can help you figure out the value of your personal possessions to make sure you have the appropriate amount of insurance. 

Safety Concerns 

You will also want to make sure that you are taking the proper security measures to live safely in your RV. Security systems for your RV will ensure that you and your family are safe and protected while enjoying this adventurous lifestyle. 

If you would like to learn more about our services, please contact our office at Fortress Insurance Agency, serving Overland Park, KS and surrounding areas.