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Kansas City, MO 64111

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Featured Insurance Blog

How Renters Insurance Can Protect You When at Home or Away

Some people decide to rent a home or apartment because they don’t want the responsibility of home ownership. Others rent for financial reasons. Others simply want the flexibility that renting a home can provide.

No matter your reasons, renters insurance should be a part of your financial and loss protection plans. Renters insurance provides protection, peace of mind, and value whether you are home or away. If you are a renter in Kansas, here’s how Midwest Professional Insurance can protect you at home or on the road.

Protection For Your Home

Renters insurance is designed to financially protect you from the loss of personal items in your home or apartment. Covered items can include your furniture, clothing, appliances, kitchenware, bedding, certain electronics, and more. It is important to note that this is protection usually not provided by your landlord or rental agent.

In addition, renters insurance can cover you from liability claims that can arise out of an accident injury to a visitor, family, friend, or delivery person.

While You Are Away

Not only will renters insurance cover items in your home or apartment, but personal items you take with you when traveling. This can include clothing and personal items. Contact us regarding specifics on coverage of valuable jewelry and personal electronic devices.

What To Know About Coverage

Since renters insurance applies to the personal items of a renter, it is important to know that roommates should each have their own policies. When changing addresses, you should also notify your agent of any changes.

Consult With Us

Whether you are moving out of your parents’ home, going to college, downsizing, or simply choosing to rent, secure renter’s insurance to protect you at home and away. In Kansas, contact us at Midwest Professional Insurance. We will be happy to provide a free, no-obligation quote.

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Some people decide to rent a home or apartment because they don’t want the responsibility of home ownership. Others rent for financial reasons. Others simply want the flexibility that renting a home can provide.

No matter your reasons, renters insurance should be a part of your financial and loss protection plans. Renters insurance provides protection, peace of mind, and value whether you are home or away. If you are a renter in Kansas, here’s how Midwest Professional Insurance can protect you at home or on the road.

Protection For Your Home

Renters insurance is designed to financially protect you from the loss of personal items in your home or apartment. Covered items can include your furniture, clothing, appliances, kitchenware, bedding, certain electronics, and more. It is important to note that this is protection usually not provided by your landlord or rental agent.

In addition, renters insurance can cover you from liability claims that can arise out of an accident injury to a visitor, family, friend, or delivery person.

While You Are Away

Not only will renters insurance cover items in your home or apartment, but personal items you take with you when traveling. This can include clothing and personal items. Contact us regarding specifics on coverage of valuable jewelry and personal electronic devices.

What To Know About Coverage

Since renters insurance applies to the personal items of a renter, it is important to know that roommates should each have their own policies. When changing addresses, you should also notify your agent of any changes.

Consult With Us

Whether you are moving out of your parents’ home, going to college, downsizing, or simply choosing to rent, secure renter’s insurance to protect you at home and away. In Kansas, contact us at Midwest Professional Insurance. We will be happy to provide a free, no-obligation quote.

Three Situations You Avoid When You Get Proper Boat Insurance

One of the most common questions from customers at Midwest Professional Insurance is "Should I even get boat insurance?". People often avoid purchasing insurance for their watercraft as a cost-cutting measure because they don’t think they will ever have to use it. This often turns out to be a huge mistake instead of a money-saving strategy, leading to more costs. You can prevent the following three situations when you get quality boat insurance in Kansas. 

Three Situations You Can Avoid With Proper Boat Insurance 

1. Theft

Of course, an insurance policy won’t prevent theft from happening in the first place. It will ensure you are properly compensated if your watercraft is ever stolen. You would be surprised by how many individuals are left in the lurch when their boat gets stolen because they forgot to include that in their insurance quote. 

2. Medical Costs

Like a car accident, you may be liable for the other party’s medical bills if you cause a boating accident where they are injured. Accidents happen, even on small private lakes. When an accident happens on the water, it has a higher risk of being dangerous. The last thing you want is to owe a stranger thousands of dollars because they were hurt in a boating accident caused by you. 

3. Damage While in Storage

A lot of people mistakenly think their boat is safe when they store it for the winter. This is another mistake. A massive storm could come through, or a fire could happen in the storage facility, leading to huge damage costs to your watercraft. If you have a boat, it must be properly covered while it is in storage, or you could lose a lot of money. 

Call Today To Discuss Your Options

If you have purchased a boat or any other type of watercraft in Kansas, contact us at Midwest Professional Insurance for a quote. We will ensure your boat is properly covered, so you can enjoy using it with peace of mind. 

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One of the most common questions from customers at Midwest Professional Insurance is "Should I even get boat insurance?". People often avoid purchasing insurance for their watercraft as a cost-cutting measure because they don’t think they will ever have to use it. This often turns out to be a huge mistake instead of a money-saving strategy, leading to more costs. You can prevent the following three situations when you get quality boat insurance in Kansas. 

Three Situations You Can Avoid With Proper Boat Insurance 

1. Theft

Of course, an insurance policy won’t prevent theft from happening in the first place. It will ensure you are properly compensated if your watercraft is ever stolen. You would be surprised by how many individuals are left in the lurch when their boat gets stolen because they forgot to include that in their insurance quote. 

2. Medical Costs

Like a car accident, you may be liable for the other party’s medical bills if you cause a boating accident where they are injured. Accidents happen, even on small private lakes. When an accident happens on the water, it has a higher risk of being dangerous. The last thing you want is to owe a stranger thousands of dollars because they were hurt in a boating accident caused by you. 

3. Damage While in Storage

A lot of people mistakenly think their boat is safe when they store it for the winter. This is another mistake. A massive storm could come through, or a fire could happen in the storage facility, leading to huge damage costs to your watercraft. If you have a boat, it must be properly covered while it is in storage, or you could lose a lot of money. 

Call Today To Discuss Your Options

If you have purchased a boat or any other type of watercraft in Kansas, contact us at Midwest Professional Insurance for a quote. We will ensure your boat is properly covered, so you can enjoy using it with peace of mind. 

Is Renter’s Insurance Worth It? You Decide

Great landlords are the best. They have empathy, fix things on time, and are a pleasure to do business with. But they can’t do it all. If a disaster befalls your Kansas apartment, the expenses fall on you. You need renter’s insurance to cover your bases.

Is Renter’s Insurance Right For Your Needs?

Renter’s insurance is great for those who don’t own their homes in Kansas. It provides financial security if unexpected disasters happen. Even if your landlord has insurance, it covers the building, not your personal items. Renter’s insurance from our expert agents at Midwest Professional Insurance will protect you and your belongings.

The benefits of this coverage are:

  • It provides liability protection if you hurt someone or damage their property. Let’s say you accidentally start a fire in your apartment and it spreads to your neighbor’s unit. Your renter’s insurance pays for the repair costs and legal fees.
  • It pays for additional living expenses while your home undergoes repairs. If a burst pipe floods your apartment and forces you out of your home, your renter’s insurance will pay the hotel, food, and transportation bills.
  • It covers your belongings when you travel. Let’s say someone steals your laptop from your car while you’re on a road trip. Your renter’s insurance will replace it.

Midwest Professional Insurance Is Here To Help

Renter’s insurance protects you when bad things happen in your apartment. With this coverage, you don’t have to worry about losing everything or paying out of pocket for unexpected expenses. The insurance packages we offer at Midwest Professional Insurance provide you with complete peace of mind and security. Contact us today to learn more. 

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Great landlords are the best. They have empathy, fix things on time, and are a pleasure to do business with. But they can’t do it all. If a disaster befalls your Kansas apartment, the expenses fall on you. You need renter’s insurance to cover your bases.

Is Renter’s Insurance Right For Your Needs?

Renter’s insurance is great for those who don’t own their homes in Kansas. It provides financial security if unexpected disasters happen. Even if your landlord has insurance, it covers the building, not your personal items. Renter’s insurance from our expert agents at Midwest Professional Insurance will protect you and your belongings.

The benefits of this coverage are:

  • It provides liability protection if you hurt someone or damage their property. Let’s say you accidentally start a fire in your apartment and it spreads to your neighbor’s unit. Your renter’s insurance pays for the repair costs and legal fees.
  • It pays for additional living expenses while your home undergoes repairs. If a burst pipe floods your apartment and forces you out of your home, your renter’s insurance will pay the hotel, food, and transportation bills.
  • It covers your belongings when you travel. Let’s say someone steals your laptop from your car while you’re on a road trip. Your renter’s insurance will replace it.

Midwest Professional Insurance Is Here To Help

Renter’s insurance protects you when bad things happen in your apartment. With this coverage, you don’t have to worry about losing everything or paying out of pocket for unexpected expenses. The insurance packages we offer at Midwest Professional Insurance provide you with complete peace of mind and security. Contact us today to learn more. 

4 Mistakes to Avoid When Condo Insurance Shopping

There are many options concerning condo insurance, and Midwest Professional Insurance can help you navigate the details and options available in Kansas and other states. From understanding what differentials between condo and home insurance to not knowing how much coverage you’ll need, we explain four common mistakes condo insurance often makes when choosing a policy.

4 Mistakes to Avoid

1. Failure To Know the Difference Between Home and Condo Insurance

Understanding the difference between getting insurance for the property versus policies for homes is pivotal. This is one of the most common mistakes people make when condo insurance shopping because the coverage can drastically vary. Home insurance covers structural damage while condo insurance covers personal property damage and liabilities due to an issue within your unit. The condo association’s master policy covers any structural damage due to fires or storm damage.

2. Not Knowing What’s Covered Under a Condo Policy

Buyers who fail to take time to read and understand their condo coverage are making another common mistake. Most policies for condos cover personal property and liabilities associated with any legal situations that arise when guests are in your condo.

3. Not Thinking About Liability Coverage

Should someone who doesn’t live in your home get injured or another person’s property is damaged, having a policy with liability coverage comes in handy. You’ll be protected in case there are lost wages, medical expenses, lawyer fees, etc.

4. Carrying Too Much or Too Little Condo Coverage

Many looking to save money may buy less coverage than they might need, but overpaying isn’t ideal either. It’s essential to find just the right level of coverage that suits your needs and will offer adequate condo coverage.

Talk To Us About Condo Coverage

At Midwest Professional Insurance, we work with condo owners in Kansas, Colorado, Illinois,  Missouri, Idaho, and Texas. We’ll customize a policy just for you while advising you of what coverage you might need in your area. Contact us today.

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There are many options concerning condo insurance, and Midwest Professional Insurance can help you navigate the details and options available in Kansas and other states. From understanding what differentials between condo and home insurance to not knowing how much coverage you’ll need, we explain four common mistakes condo insurance often makes when choosing a policy.

4 Mistakes to Avoid

1. Failure To Know the Difference Between Home and Condo Insurance

Understanding the difference between getting insurance for the property versus policies for homes is pivotal. This is one of the most common mistakes people make when condo insurance shopping because the coverage can drastically vary. Home insurance covers structural damage while condo insurance covers personal property damage and liabilities due to an issue within your unit. The condo association’s master policy covers any structural damage due to fires or storm damage.

2. Not Knowing What’s Covered Under a Condo Policy

Buyers who fail to take time to read and understand their condo coverage are making another common mistake. Most policies for condos cover personal property and liabilities associated with any legal situations that arise when guests are in your condo.

3. Not Thinking About Liability Coverage

Should someone who doesn’t live in your home get injured or another person’s property is damaged, having a policy with liability coverage comes in handy. You’ll be protected in case there are lost wages, medical expenses, lawyer fees, etc.

4. Carrying Too Much or Too Little Condo Coverage

Many looking to save money may buy less coverage than they might need, but overpaying isn’t ideal either. It’s essential to find just the right level of coverage that suits your needs and will offer adequate condo coverage.

Talk To Us About Condo Coverage

At Midwest Professional Insurance, we work with condo owners in Kansas, Colorado, Illinois,  Missouri, Idaho, and Texas. We’ll customize a policy just for you while advising you of what coverage you might need in your area. Contact us today.

Group vs. Individual Health Insurance: Pros, Cons, and Which Is Right for You

With health insurance within a Kansas company, you’ll often choose between group and individual insurance. 

Group Health Insurance

Most employers provide group health insurance to their employees as a benefits package. 

Pros:

  • Cost Sharing: Group insurance premiums are often shared between employers and employees, making it more affordable than individual coverage.
  • Guaranteed Issue: Group policies usually accept all eligible members without requiring a medical exam or underwriting, making it accessible for pre-existing conditions.
  • Comprehensive Coverage: Group policies often offer comprehensive coverage with many benefits, including preventive care and hospitalization.
  • Employer Contributions: Employers may contribute a portion of the premium cost, reducing the financial burden on employees.

Cons:

  • Limited Control: With group insurance, you have limited control over the plan and coverage options.
  • Portability: Group insurance is tied to your employment, so if you change jobs, you may lose coverage.

Individual Health Insurance

Individual health insurance is purchased directly from an insurance company. 

Pros:

  • Customization: Individual policies can be customized to suit your specific needs, allowing you to select the coverage, deductibles, and networks that fit your situation.
  • Portability: Your policy is not tied to your employment, so you can keep it even if you change jobs.
  • Privacy: You have greater privacy with individual insurance since your employer is not involved.
  • Choice of Providers: Individual policies often provide a wider selection.

Cons:

  • Cost: Individual health insurance can be more expensive than group coverage.
  • Underwriting: You may be subject to medical underwriting, leading to higher premiums or coverage denials for pre-existing conditions.
  • Limited Benefits: Individual policies may offer fewer benefits than group plans, especially if you have a small budget.

Midwest Professional Insurance Can Help You

At Midwest Professional Insurance, we can help you weigh the options concerning health insurance in Kansas. Contact us today. 

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With health insurance within a Kansas company, you’ll often choose between group and individual insurance. 

Group Health Insurance

Most employers provide group health insurance to their employees as a benefits package. 

Pros:

  • Cost Sharing: Group insurance premiums are often shared between employers and employees, making it more affordable than individual coverage.
  • Guaranteed Issue: Group policies usually accept all eligible members without requiring a medical exam or underwriting, making it accessible for pre-existing conditions.
  • Comprehensive Coverage: Group policies often offer comprehensive coverage with many benefits, including preventive care and hospitalization.
  • Employer Contributions: Employers may contribute a portion of the premium cost, reducing the financial burden on employees.

Cons:

  • Limited Control: With group insurance, you have limited control over the plan and coverage options.
  • Portability: Group insurance is tied to your employment, so if you change jobs, you may lose coverage.

Individual Health Insurance

Individual health insurance is purchased directly from an insurance company. 

Pros:

  • Customization: Individual policies can be customized to suit your specific needs, allowing you to select the coverage, deductibles, and networks that fit your situation.
  • Portability: Your policy is not tied to your employment, so you can keep it even if you change jobs.
  • Privacy: You have greater privacy with individual insurance since your employer is not involved.
  • Choice of Providers: Individual policies often provide a wider selection.

Cons:

  • Cost: Individual health insurance can be more expensive than group coverage.
  • Underwriting: You may be subject to medical underwriting, leading to higher premiums or coverage denials for pre-existing conditions.
  • Limited Benefits: Individual policies may offer fewer benefits than group plans, especially if you have a small budget.

Midwest Professional Insurance Can Help You

At Midwest Professional Insurance, we can help you weigh the options concerning health insurance in Kansas. Contact us today. 

What are three reasons to get auto insurance?

Being a car owner is very common for people all over the country, including the state of Kansas. When you are a car owner, you need to ensure that you have the right insurance in place for it.

There are three reasons you should get auto insurance whenever you are going to buy or lease a vehicle. 

Protect Your Vehicle

A primary reason to have auto coverage is so you can protect your asset. When you have a full insurance plan, you will have coverage in many situations including if your car is damaged in an accident or it is stolen. If you are properly insured, you will have the support you need to protect your vehicle. 

Reduce Liability Financial Risk

You also should get an auto plan so you can reduce your liability and financial risk. If you are at fault in an accident, you will need to cover the damages, which can be very high. With auto coverage, you will have liability insurance that will cover you in these situations. 

Meet Requirements

Finally, you should have this insurance so you can meet your requirements. As a car owner, you are bound to have auto insurance requirements. Both the state that you live in and any auto loan provider is going to have specific insurance requirements that need to be met. Carrying this coverage can help keep you in good standing with these obligations. 

Reach Out To Us

If you are a car owner in Kansas and intend to drive it, you do need to make sure that you have proper auto insurance. When you are ready to start your search, it would be a great option to call our team with Midwest Professional Insurance. If you do call our team at Midwest Professional Insurance, you can get the guidance you need to build your next plan. 

Read More

Being a car owner is very common for people all over the country, including the state of Kansas. When you are a car owner, you need to ensure that you have the right insurance in place for it.

There are three reasons you should get auto insurance whenever you are going to buy or lease a vehicle. 

Protect Your Vehicle

A primary reason to have auto coverage is so you can protect your asset. When you have a full insurance plan, you will have coverage in many situations including if your car is damaged in an accident or it is stolen. If you are properly insured, you will have the support you need to protect your vehicle. 

Reduce Liability Financial Risk

You also should get an auto plan so you can reduce your liability and financial risk. If you are at fault in an accident, you will need to cover the damages, which can be very high. With auto coverage, you will have liability insurance that will cover you in these situations. 

Meet Requirements

Finally, you should have this insurance so you can meet your requirements. As a car owner, you are bound to have auto insurance requirements. Both the state that you live in and any auto loan provider is going to have specific insurance requirements that need to be met. Carrying this coverage can help keep you in good standing with these obligations. 

Reach Out To Us

If you are a car owner in Kansas and intend to drive it, you do need to make sure that you have proper auto insurance. When you are ready to start your search, it would be a great option to call our team with Midwest Professional Insurance. If you do call our team at Midwest Professional Insurance, you can get the guidance you need to build your next plan. 

Four of the Most Valuable Classic Cars of All Time

Classic cars make for great collector’s items and investments. Some models can sell for many millions, costing more than most modern hypercars. If you own such a collectible car, classic car insurance is all but a must. Reach out to Midwest Professional Insurance to learn more about classic car insurance.

Four Most Valuable Classic Cars

The 1962 Ferrari GTO

One of the most iconic cars from one of the most iconic auto brands of all time, buying a 1962 Ferrari GTO could set you back around $50 million. This Ferrari won the 1962 Italian GT Championship. Just 36 models were built, explaining the high price tag.

1956 Aston Martin DBR1

Aston Martin ranks among the most respected brands in the supercar world. Its classic cars often sell for millions of dollars, with one 1956 Aston Martin DBR1 fetching over $22 million at an auction in 2017. This model won the Le Mans in 1959.

1935 Duesenberg SSJ

Many of the most valuable collector’s cars hail from the late 50s and 60s when the global auto sports industry raced into the imagination of populations across the world. The 1935 Duesenberg SSJ hails from an earlier era but has fetched $22 million at auction. You can bet the buyer took out classic car insurance. This American legend packs a dual-supercharged, inline-eight-cylinder engine that cranks out 400 hp, a massive amount of power for the era.

1965 Ford Mustang

Individually, the Mustangs from 1965 typically aren’t as valuable as the cars mentioned above. However, most of the aforementioned cars are incredibly rare, whereas more than 500,000 Ford Mustangs were put together in 1965. This car played a major role in ushering in the era of muscle cars and remains highly sought after, often selling for $50,000 or more. Limited edition variants, like the Shelby models, can sell for more than a million.

Have a collectible car in Kansas you’d like to insure with classic car insurance?

Contact Midwest Professional Insurance serving the residents of Kansas. We are happy to help!

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Classic cars make for great collector’s items and investments. Some models can sell for many millions, costing more than most modern hypercars. If you own such a collectible car, classic car insurance is all but a must. Reach out to Midwest Professional Insurance to learn more about classic car insurance.

Four Most Valuable Classic Cars

The 1962 Ferrari GTO

One of the most iconic cars from one of the most iconic auto brands of all time, buying a 1962 Ferrari GTO could set you back around $50 million. This Ferrari won the 1962 Italian GT Championship. Just 36 models were built, explaining the high price tag.

1956 Aston Martin DBR1

Aston Martin ranks among the most respected brands in the supercar world. Its classic cars often sell for millions of dollars, with one 1956 Aston Martin DBR1 fetching over $22 million at an auction in 2017. This model won the Le Mans in 1959.

1935 Duesenberg SSJ

Many of the most valuable collector’s cars hail from the late 50s and 60s when the global auto sports industry raced into the imagination of populations across the world. The 1935 Duesenberg SSJ hails from an earlier era but has fetched $22 million at auction. You can bet the buyer took out classic car insurance. This American legend packs a dual-supercharged, inline-eight-cylinder engine that cranks out 400 hp, a massive amount of power for the era.

1965 Ford Mustang

Individually, the Mustangs from 1965 typically aren’t as valuable as the cars mentioned above. However, most of the aforementioned cars are incredibly rare, whereas more than 500,000 Ford Mustangs were put together in 1965. This car played a major role in ushering in the era of muscle cars and remains highly sought after, often selling for $50,000 or more. Limited edition variants, like the Shelby models, can sell for more than a million.

Have a collectible car in Kansas you’d like to insure with classic car insurance?

Contact Midwest Professional Insurance serving the residents of Kansas. We are happy to help!

4 Times to Update Your Life Insurance Policy

Life insurance is essential to any financial plan, providing security and peace of mind for you and your loved ones. However, as life changes, so do your insurance needs. At Midwest Professional Insurance, we know keeping your policy up-to-date is crucial to ensure you have the right coverage in Kansas.

When To Update Your Life Insurance 

1. Major Life Events

Significant life events, such as getting married, having a child, or buying a home, can significantly impact your financial responsibilities. When these milestones occur, it’s essential to reevaluate your life insurance policy to ensure that it provides adequate coverage for your growing family. For example, you may need to increase your death benefit to cover expenses like mortgage payments, childcare, and your spouse’s living expenses.

2. Changes in Income

Your financial obligations will likely grow as your career progresses and your income increases. You may find that your current life insurance policy no longer covers your family’s needs in the event of your passing. If your income has changed, it is important to update your policy.

3. Health Improvements

If you’ve made significant strides in improving your health since purchasing your life insurance policy, you may be eligible for lower premiums. For example, if you’ve quit smoking, lost weight, or successfully managed a chronic health condition, you could qualify for more affordable rates.

4. Retirement Planning

As you approach retirement, your financial needs and priorities may shift. Updating your life insurance policy can help you prepare for this new stage of life. For instance, you might convert a term life policy to a permanent one or use your policy’s cash value to supplement your retirement income.

Looking For Insurance In Kansas?

Contact us today at Midwest Professional Insurance to review your policy and ensure you have the right coverage for your changing life needs.

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Life insurance is essential to any financial plan, providing security and peace of mind for you and your loved ones. However, as life changes, so do your insurance needs. At Midwest Professional Insurance, we know keeping your policy up-to-date is crucial to ensure you have the right coverage in Kansas.

When To Update Your Life Insurance 

1. Major Life Events

Significant life events, such as getting married, having a child, or buying a home, can significantly impact your financial responsibilities. When these milestones occur, it’s essential to reevaluate your life insurance policy to ensure that it provides adequate coverage for your growing family. For example, you may need to increase your death benefit to cover expenses like mortgage payments, childcare, and your spouse’s living expenses.

2. Changes in Income

Your financial obligations will likely grow as your career progresses and your income increases. You may find that your current life insurance policy no longer covers your family’s needs in the event of your passing. If your income has changed, it is important to update your policy.

3. Health Improvements

If you’ve made significant strides in improving your health since purchasing your life insurance policy, you may be eligible for lower premiums. For example, if you’ve quit smoking, lost weight, or successfully managed a chronic health condition, you could qualify for more affordable rates.

4. Retirement Planning

As you approach retirement, your financial needs and priorities may shift. Updating your life insurance policy can help you prepare for this new stage of life. For instance, you might convert a term life policy to a permanent one or use your policy’s cash value to supplement your retirement income.

Looking For Insurance In Kansas?

Contact us today at Midwest Professional Insurance to review your policy and ensure you have the right coverage for your changing life needs.

Umbrella Insurance and Coverage Gaps

Navigating the insurance world is complex, but understanding the details and facts surrounding umbrella insurance and coverage gaps is important for protecting your assets and financial well-being. Midwest Professional Insurance is here to guide you, ensuring you have the necessary details to make informed decisions. Learn about the importance of umbrella insurance, how it can help close coverage gaps, and the key benefits of obtaining this additional layer of protection.

What Is Umbrella Insurance?

Umbrella insurance is a type of liability insurance designed to offer extra protection above and beyond the limits of your standard policies, like homeowners, auto, and boat insurance. When the limits are exhausted, umbrella insurance kicks in to provide additional coverage. As a result, umbrella insurance will protect you from a wide range of liability risks, including bodily injury, property damage, and even certain lawsuits.

Understanding Coverage Gaps

Coverage gaps occur when your primary insurance policies don’t fully cover the costs associated with a claim, leaving you responsible for the remaining amount. These gaps can result from various factors, including policy exclusions, limits, and deductibles. For instance, if your auto insurance policy has a limit of $300,000, and you are found liable for $500,000 in damages, the coverage gap would be $200,000.

Key Benefits of Umbrella Insurance

Extended Liability Protection: Umbrella insurance provides an additional layer of protection when the limits of your primary insurance policies are reached, minimizing the financial impact of a claim.

Broad Coverage: Umbrella insurance covers a wide range of liability risks, including personal injury, property damage, and legal defense costs in the event of a lawsuit.

Affordable Protection: Umbrella insurance offers a cost-effective way to enhance coverage and minimize exposure to financial loss.

The Role of Insurance in Closing Coverage Gaps

Midwest Professional Insurance understands the importance of comprehensive coverage to protect your Kansas assets and safeguard your financial well-being. By identifying potential coverage gaps and recommending suitable umbrella insurance policies, We help clients achieve peace of mind, knowing their assets are protected from unexpected liability claims.

Take Action Today by Calling Our Office

Don’t let coverage gaps leave you exposed to financial risks. Instead, contact Midwest Professional Insurance for expert guidance on securing the right umbrella insurance policy to meet your needs in Kansas. Our team will assess your current coverage, identify potential gaps, and recommend a tailored solution.

Read More

Navigating the insurance world is complex, but understanding the details and facts surrounding umbrella insurance and coverage gaps is important for protecting your assets and financial well-being. Midwest Professional Insurance is here to guide you, ensuring you have the necessary details to make informed decisions. Learn about the importance of umbrella insurance, how it can help close coverage gaps, and the key benefits of obtaining this additional layer of protection.

What Is Umbrella Insurance?

Umbrella insurance is a type of liability insurance designed to offer extra protection above and beyond the limits of your standard policies, like homeowners, auto, and boat insurance. When the limits are exhausted, umbrella insurance kicks in to provide additional coverage. As a result, umbrella insurance will protect you from a wide range of liability risks, including bodily injury, property damage, and even certain lawsuits.

Understanding Coverage Gaps

Coverage gaps occur when your primary insurance policies don’t fully cover the costs associated with a claim, leaving you responsible for the remaining amount. These gaps can result from various factors, including policy exclusions, limits, and deductibles. For instance, if your auto insurance policy has a limit of $300,000, and you are found liable for $500,000 in damages, the coverage gap would be $200,000.

Key Benefits of Umbrella Insurance

Extended Liability Protection: Umbrella insurance provides an additional layer of protection when the limits of your primary insurance policies are reached, minimizing the financial impact of a claim.

Broad Coverage: Umbrella insurance covers a wide range of liability risks, including personal injury, property damage, and legal defense costs in the event of a lawsuit.

Affordable Protection: Umbrella insurance offers a cost-effective way to enhance coverage and minimize exposure to financial loss.

The Role of Insurance in Closing Coverage Gaps

Midwest Professional Insurance understands the importance of comprehensive coverage to protect your Kansas assets and safeguard your financial well-being. By identifying potential coverage gaps and recommending suitable umbrella insurance policies, We help clients achieve peace of mind, knowing their assets are protected from unexpected liability claims.

Take Action Today by Calling Our Office

Don’t let coverage gaps leave you exposed to financial risks. Instead, contact Midwest Professional Insurance for expert guidance on securing the right umbrella insurance policy to meet your needs in Kansas. Our team will assess your current coverage, identify potential gaps, and recommend a tailored solution.

Should I Get Condo Insurance If I Only Live There Part-Time?

At Midwest Professional Insurance, we are happy to provide exceptional insurance policies to clients who live in the states we serve on a full-time or part-time basis. Many folks who live in Kansas, Missouri, Colorado, Illinois, Idaho, and Texas call these states home for one part of the year and spend the rest of the year in a state with the opposite climate for a change of pace.

If you own a condo in any of these states, you are probably considering buying condo insurance. For those who only live in their condo for a portion of the year, it might seem like a waste of money to get condominium insurance. As you’ll find out below, this is anything but the truth.

Should I Get Condo Insurance If I Only Live There Part-Time?

While it might seem counterintuitive, a vacant condo needs insurance even more than an occupied one. This is because empty condos and houses are prime targets for thieves and other bad actors.

When you’re away, thieves and burglars may take it as an opportunity to steal your belongings or damage your property without worrying about the consequences. Since you aren’t there, you won’t be able to protect your home or see the damage immediately. 

Without condo insurance, the results of a break-in or theft would be difficult to cover. With condo insurance, you may be able to cover the damage and replace some valuable stolen belongings. When you experience damage from qualifying incidents such as certain natural disasters or crimes, condo insurance may also help you recover.

Reach Out To Us!

If you’re wondering how our condo insurance policies can protect your home no matter how much you live there, call one of our offices at Midwest Professional Insurance today!

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At Midwest Professional Insurance, we are happy to provide exceptional insurance policies to clients who live in the states we serve on a full-time or part-time basis. Many folks who live in Kansas, Missouri, Colorado, Illinois, Idaho, and Texas call these states home for one part of the year and spend the rest of the year in a state with the opposite climate for a change of pace.

If you own a condo in any of these states, you are probably considering buying condo insurance. For those who only live in their condo for a portion of the year, it might seem like a waste of money to get condominium insurance. As you’ll find out below, this is anything but the truth.

Should I Get Condo Insurance If I Only Live There Part-Time?

While it might seem counterintuitive, a vacant condo needs insurance even more than an occupied one. This is because empty condos and houses are prime targets for thieves and other bad actors.

When you’re away, thieves and burglars may take it as an opportunity to steal your belongings or damage your property without worrying about the consequences. Since you aren’t there, you won’t be able to protect your home or see the damage immediately. 

Without condo insurance, the results of a break-in or theft would be difficult to cover. With condo insurance, you may be able to cover the damage and replace some valuable stolen belongings. When you experience damage from qualifying incidents such as certain natural disasters or crimes, condo insurance may also help you recover.

Reach Out To Us!

If you’re wondering how our condo insurance policies can protect your home no matter how much you live there, call one of our offices at Midwest Professional Insurance today!

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