4 Home Insurance Coverage Options to Consider

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Homes come in different styles, sizes, and shapes, but they all need protection. One way to protect your home is to have security dogs and install alarms, perimeter walls, and anti-theft doors. While these security measures are good, you need home insurance to protect your home even after disaster strikes. But since you may not be familiar with home insurance, confusion may reign when choosing policies.

Fortress Insurance Agency in Overland Park, KS is here to help you navigate this important insurance coverage.

Here are home insurance policies you can consider:

Dwelling coverage

Perhaps, this is the primary reason most homeowners invest in home insurance. Home insurance protects your building against various perils, including lighting, hail, vandalism, falling objects, fire, theft, etc. Should any listed risk damage your home, your policy compensates you up to the coverage limit.

Contents coverage

Home insurance protects your assets, too. Home insurance compensates you should fire, theft, and other risks happen to your belongings, including your clothing, electronics, fixtures, etc. If you want all your possessions covered, conduct a "room from room count" to ensure nothing is left out.

Liability coverage

It is one of the most underrated home insurance policies, yet it can save you from significant financial losses. Liability coverage protects you when third parties accuse you of bodily injury and property damage. And that’s not all. Liability coverage pays for legal costs when sued.

Additional living expenses coverage

If a peril in your policy damages your home, home insurance covers the cost of accommodating you in a hotel or residence similar to your home. This way, you don’t have to rely on your friends and relatives for shelter when disaster strikes.  

Medical payments

This policy covers minor medical costs for non-household members who sustain injuries while on your property.

Give Us A Call

Want to invest in home insurance in the greater Overland Park, KS community? Don’t hesitate to get in touch with Fortress Insurance Agency for a competitive quote.

Top Myths About Motorhome Insurance Debunked

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If you’ve ever considered buying a motorhome, you’ve probably researched the best way to insure your vehicle. And with so many options out there, it can be tough to know what’s true and what’s not when it comes to motorhome insurance. To help you make the best decision for your needs, we’ve debunked some of the top myths about motorhome insurance. Fortress Insurance Agency in Overland Park, KS offers this guide in insuring your motorhome. 

Top Myths About Motorhome Insurance Debunked

Myth 1: You Don’t Need Insurance if You’re Not Driving It

One of the most common myths about motorhome insurance is that you don’t need it if you’re not driving the vehicle. However, this simply isn’t true. Even if your motorhome is parked, it’s still at risk for things like theft, vandalism, and weather damage. It’s important to have coverage in place even when you’re not using the vehicle.

Myth 2: Your Auto Insurance Will Cover Your Motorhome

Another myth about motorhome insurance is that your auto insurance will cover your motorhome. However, this is not the case. Auto insurance policies typically exclude coverage for RVs and other recreational vehicles. So if you’re planning to use your motorhome, you’ll need to purchase a separate policy specifically for it.

Myth 3: Motorhomes Are Not Worth Insuring

Some people believe motorhomes are not worth insuring because they’re not worth as much as a traditional home. However, this isn’t necessarily true. The value of your motorhome will depend on factors like the make and model, age, and condition. It’s therefore important to get an insurance policy that covers the full value of your vehicle.

Myth 4: All Motorhome Insurance Policies Are the Same

Another myth about motorhome insurance is that all policies are the same. However, this simply isn’t true. There are various policy types available, and each one offers different coverage options. Ensure you compare policies before buying to ensure you’re getting the right coverage for your needs.

Get Motorhome Insurance in Overland Park, KS

Now that you know the truth about motorhome insurance, it’s time to get your own policy. Fortress Insurance Agency offers comprehensive coverage for all types of RVs and motorhomes. Contact us today to get a quote. We’ll help you find the perfect policy to protect your vehicle.

How Can I Lower My Motorcycle Insurance Rates?

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Most states in the US, including Kansas, require your motorcycle to be insured to be able to ride it on public roads. If you are a bike owner in Overland Park, KS, high motorcycle insurance rates by drowning the feelings of freedom and adventure that are synonymous with the experience.

Here’s how you can lower your motorcycle insurance rates:

1. Take a Motorcycle Safety Course

If you take a motorcycle safety course, your motorcycle insurance provider will perceive you as a rider who is less likely to be in an accident or suffer severe injuries if you are involved in an accident. This is because you have a better understanding of motorbike safety precautions, such as wearing the correct proactive gear, thanks to the motorcycle safety course you took. Thus, they reduce your insurance rates.

2. Add Security Features to Your Bike

According to 2017 statistics, more than 44,000 motorcycle thefts happened in the US. Installing security features like a chain wheel lock and tracker to your bike means that it’s less likely to be stolen, and it can easily be recovered if it’s stolen. This will result in the reduction of your motorcycle insurance rates.

3. Get the Right Coverage

If you ride your bike less frequently, we at Fortress Insurance Agency recommend you get low mileage motorcycle insurance which has lower rates. Additionally, it’s likely that you don’t ride your bike during winter; thus, you should consider motorcycle insurance coverage that offers a significant discount on the premiums during the off-season months.

4. Maintain a Clean Riding Record

If you frequently get involved in motorcycle accidents, your insurance rates will be higher. However, you can get lower rates if you maintain a clean accident-free riding record.

If you are shopping for motorcycle insurance in Overland Park, KS, come to Fortress Insurance Agency, and our benevolent team of experts will help you. Contact us today.

Why do you need life insurance in Kansas?

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There are many forms of insurance that the average person in the Overland Park, KS area should consider getting. An important form of insurance to consider getting is life insurance, which pays out a death benefit to the plan beneficiaries if the policyholder passes away. There are various reasons that people here need to get this coverage. 

Protect Those you Care About 

A critical reason anyone will want to have a life insurance plan when in Kansas is so they can protect those that they care about. When you have people in your life that depend on your income and assets for financial resources, it is important to protect this as well as you can. With a quality life insurance plan, you are able to build a policy that will meet their future expense needs. 

Investment Alternative

It is also good to have life insurance as it can be an investment alternative. As you are looking to prepare for your financial future, including whole life insurance into your plan can be helpful. When you get this coverage, some of your payment builds into an account with interest. Eventually, you will be able to liquidate this account and use it for any purpose. This makes it a conservative addition to any financial plan. 

Those who live in the Overland Park, KS area will want to know that they are doing their best to protect those they care about. One great way to do this is by investing in life insurance. As you are looking for a new plan, calling Fortress Insurance Agency is a good starting point. The professionals with Fortress Insurance Agency understand the value of this coverage and will offer a lot of support to help you build an ideal plan. 

How much auto insurance do I need?

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The appropriate amount of car insurance needed depends on many factors, including your state of residence, the value of your vehicle, and how much insurance you can afford. When shopping for car insurance, you’ll want to purchase as much liability coverage as you can comfortably afford, which will likely be substantially greater than the minimum requirements in Kansas. Liability for auto insurance consists of two main parts: bodily and property.

Bodily injury covers medical bills and other costs associated with injuring another person, while the property is for damage to third-party property such as a home, vehicle, or shed. If you are at fault in an accident, your insurance company will cover expenses for third parties up to your policy limits; thus, the more insurance you can purchase, the more likely you won’t have to pay anything out of pocket. 

In addition to liability insurance, you’ll also have the option to purchase comprehensive and collision coverage. Comprehensive insurance pays for damage to your vehicle that isn’t caused by an accident and could include theft, vandalism, fire, and hail damage. Conversely, collision coverage pays for damage to your vehicle caused by an accident. If you purchased your car with a loan, your lender would likely require that you carry collision coverage. You’ll have the option to purchase different deductible amounts, likely ranging from $200 to $1000. A deductible is what you are first required to pay towards the cost of repairs before your insurance company agrees to payout. 

If you are shopping for auto insurance in Overland Park, KS, let the friendly and professional team at Fortress Insurance Agency assist. We can answer all your questions and customize a policy that meets or exceeds your needs. 

What Is Business Interruption Insurance and Do You Need It?

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There are numerous risks associated with running a business. A business owner might worry at some point what they can do if they had to close their business for even a short while. If you are concerned about this, it’s in your best interest to talk to an agent from Fortress Insurance Agency of the Overland Park, KS area. 

What Is Business Interruption Insurance?

Business interruption insurance protects income that you might lose and helps you move locations in the event you can’t use your space at all due to an accident or disaster. This may allow you to be able to open your doors again fast. Since property insurance typically doesn’t cover financial business losses, it may be a good idea to set up this specific policy for additional coverage. 

If you do not have a solid plan that helps you deal with a sudden loss of income or for relocation after an accident or serious damage to your property, insurance will be a crucial thing. When your business requires some time to heal after there’s been a hurricane, fire, or some other type of disaster, you can rest easier knowing you have the right coverage. 

If you don’t have interruption coverage in your policy contract, you likely will be under-insured. This can be added to a commercial property policy or your Business Owners Policy. If you need some more information before you decide if you’d like business interruption insurance, talk to an expert from Fortress Insurance Agency. We serve the greater Overland Park, KS area and are proud to help new customers at any time. Reach out today and we can help you find the right policy. 

4 insurance Mistakes Home Owners Make

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Fortress Insurance Agency assists the Overland Park, KS community and the surrounding areas. We strive to build long-lasting relationships with our clients so that we can help them as their needs change over time. We offer several types of coverage to ensure that our clients can receive help regardless of their issues. The policies are flexible and designed to cover our clients in multiple ways. We can help you put a plan in place, so you will be covered if an unexpected issue arises.

4 Insurance Mistakes Home Owners Make

Your Overland Park KS home is one of your most prized possessions. You have likely devoted a lot of time and energy to finding your dream home. Home insurance allows you to protect your investment. The structure of your home is covered in the event of possible damage. This gives you a layer of protection if your ceiling is damaged due to an accidental fire or your window is cracked. If you plan to invite guests over on a regular basis, liability coverage protects you if one of your guests suffers an injury on your property. While looking over your home insurance policy, avoid these common mistakes.

Not Taking Inventory

Many homeowners fail to take inventory of their possessions. Taking inventory helps things run smoothly if you are a victim of theft. You’ll be able to show which possessions you’ve lost and need to be replaced.

Neglecting Flood Insurance

If you reside in an area with heavy rainfall, flood insurance is an asset. The policy helps cover any damage to your possessions due to a flood.

Extra Coverage

If you have luxury items at your home, you’ll need to amend your policy to cover any luxury items if they are stolen or vandalized.

Maintenance

You have to take care of your home. If your home develops mold, or rodent damage, home insurance does not cover you  

Fortress Insurance Agency Will Help You Protect Your Assets

Visit our website to learn more information about home insurance.

Insurance Considerations For Full Time RV Living

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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. 

Consequences of Riding Without Kansas Motorcycle Insurance

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Motorcycle insurance is that coverage that protects you whenever you are using your bike. It cushions you against liabilities and protects your bike following an accident. But guess what? Some folks have the guts to hit the road without motorcycle insurance! Is it really worth it? Fortress Insurance Agency in Overland Park, KS, shares the risks and consequences of riding without Kansas motorcycle insurance.

Penalties and fines

Law is the law and must be followed. Failure to comply with the law results in dire consequences. For instance, if you fail to carry adequate motorcycle insurance in Kansas, penalties include license suspension, monetary fines, arrest, and point deduction in your license.

Looking at the time and resources spent for non-compliance, why would you ride without motorcycle insurance, yet you can purchase coverage hassle-free from Fortress Insurance Agency?

Financial losses

Here are the likely financial consequences of a biking accident:

  • Medical costs to treat injuries to self
  • Damages sustained to your bike
  • Injuries and damages sustained to third parties
  • Legal suits

Given that the resulting financial losses of a road accident can quickly stack up, you need motorcycle insurance to cushion you when accidents happen. Otherwise, without insurance, your assets will be at stake. Would you want that?

Worry-laden ride

You can’t have peace of mind when you are riding without insurance. You are either thinking of being caught by traffic police or the consequences of an accident. You don’t have to go through this hassle, yet you can purchase affordable coverage from Fortress Insurance Agency.

Get motorcycle insurance today!

As you can see, it’s not worth trying to hit the road without motorcycle insurance. If you are restricted financially to buy insurance, you better hop into public transport rather than risk your life and finances by riding without insurance.

Shopping for motorcycle insurance in Overland Park, KS? Please get in touch with Fortress Insurance Agency for an affordable quote.

Life insurance FAQs

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Life insurance is something everyone needs but few people to understand. You can read about it on the Internet but that may not leave you feeling as if you are protected. With an independent insurance agent who has taken the time to get to know you, you can count on getting the information you need to make an educated decision. At Fortress Insurance Agency in Overland Park, KS, we believe in building relationships with our clients that allow us to offer them more choices and sound advice. 

Is there a best time to buy life insurance?

The obvious answer is before you need it. But since there is no definitive time when it will be needed, it is best to be proactive and have it well before you think you might need it. When you are young and healthy, you will get the most bang for your buck so it is a good time to start. 

Do I need my own life insurance if I get some from work? 

Yes, you do. Can you guarantee you will always work for this company? What if you get sick? Will you be able to keep your policy? Do you want your employer to be in charge of your family’s future?  Think of employer life insurance as the bonus that it is, the frosting on your financial cake. 

How much life insurance do I need?

Only you can answer that question. How much per year will your family need and for how many years? Multiply that by your yearly income and you have a place to start. 

Can my life insurance be canceled?

The most common reason for cancellation is the nonpayment of the premium. Another reason is lying on your application. Tell the truth and pay your premium and you are pretty safe. 

Contact Fortress Insurance Agency in Overland Park, KS when you are ready to discuss your life insurance needs.