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Kansas City, MO 64111

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Featured Insurance Blog

The Importance of Health Insurance Coverage for Your Well-Being

Taking care of our health should be something that we all prioritize in our lives, and having adequate health insurance coverage can make all the difference in our physical and mental well-being. That’s why our team at Midwest Professional Insurance is dedicated to helping you find the right health insurance coverage in Kansas for your needs.

Types of Coverage (e.g., HMO, PPO, EPO)

When choosing a health insurance plan, you have several options. Different types of coverage include Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), and Exclusive Provider Organizations (EPOs). Each has its advantages, depending on your specific needs and budget.

HMOs are typically more affordable, with lower out-of-pocket costs and more restrictions on which doctors you may see.

PPOs are usually more expensive but offer more flexibility when choosing a provider.

EPOs feature a network of providers, but you cannot receive coverage if you go outside the network.

The Benefits of Having Health Insurance

Having health insurance is essential to your overall health and well-being. Not only does it provide access to preventative care, but it also protects you against high medical costs that could otherwise be financially devastating. Furthermore, health insurance can improve your mental and emotional health by providing peace of mind and reducing anxiety around potential accidents or illnesses.

The Risks of Going Without Health Insurance

Going without health insurance can also leave you open to significant financial risks. In an emergency or hospitalization, the expense of medical treatment could quickly add up to thousands of dollars. Even if you have a savings account for medical expenses, it might not be enough to cover the full cost.

At Midwest Professional Insurance in Kansas, we understand that finding the right health insurance plan can be daunting. We aim to provide comprehensive coverage that meets your needs and budget. We work with you every step of the way to ensure you get the most out of your health insurance coverage. Contact us today to learn more.

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Taking care of our health should be something that we all prioritize in our lives, and having adequate health insurance coverage can make all the difference in our physical and mental well-being. That’s why our team at Midwest Professional Insurance is dedicated to helping you find the right health insurance coverage in Kansas for your needs.

Types of Coverage (e.g., HMO, PPO, EPO)

When choosing a health insurance plan, you have several options. Different types of coverage include Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), and Exclusive Provider Organizations (EPOs). Each has its advantages, depending on your specific needs and budget.

HMOs are typically more affordable, with lower out-of-pocket costs and more restrictions on which doctors you may see.

PPOs are usually more expensive but offer more flexibility when choosing a provider.

EPOs feature a network of providers, but you cannot receive coverage if you go outside the network.

The Benefits of Having Health Insurance

Having health insurance is essential to your overall health and well-being. Not only does it provide access to preventative care, but it also protects you against high medical costs that could otherwise be financially devastating. Furthermore, health insurance can improve your mental and emotional health by providing peace of mind and reducing anxiety around potential accidents or illnesses.

The Risks of Going Without Health Insurance

Going without health insurance can also leave you open to significant financial risks. In an emergency or hospitalization, the expense of medical treatment could quickly add up to thousands of dollars. Even if you have a savings account for medical expenses, it might not be enough to cover the full cost.

At Midwest Professional Insurance in Kansas, we understand that finding the right health insurance plan can be daunting. We aim to provide comprehensive coverage that meets your needs and budget. We work with you every step of the way to ensure you get the most out of your health insurance coverage. Contact us today to learn more.

Boat Damaged by Natural Causes? What You Need to Know About Making a Claim

Hurricanes and other storms can be a boat owner’s worst nightmare. At Midwest Professional Insurance, we assist Kansas boat owners with their insurance coverage and offer related guidance.

Here, we’ll take a look at what you need to know about making a claim on your boat insurance following damage due to natural causes. 

Boat Insurance: Making a Claim

Reach out to your insurance company right away. 

There’s no need to try to mitigate the damage on your own before reaching out to your boat insurance company. As soon as you see damage from natural causes to your boat, you’ll want to reach out to your agency to talk with them about filing a claim. Simply getting more information doesn’t mean that you have to file a claim, and your agent will be able to advise you on smart next steps. 

Don’t move your boat. 

If your boat has been submerged or may be totaled, talk with your insurance company about the best way to move forward. Don’t sign a contract with a salvaging company before you talk with your insurance agency. 

Remove personal items.

If it’s safe to do so, remove personal items from your boat to prevent further damage. If your boat is unsafe to enter, do not attempt to remove your personal items. Report all damage to your personal items to your insurance company. 

Searching for the right boat insurance for your needs? We’re here to help. 

At Midwest Professional Insurance in Kansas, we’re here to work with you to create the right boating insurance policy for your needs. Reach out to us today or stop by to chat with one of our friendly agents and learn more about our boat insurance policies.

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Hurricanes and other storms can be a boat owner’s worst nightmare. At Midwest Professional Insurance, we assist Kansas boat owners with their insurance coverage and offer related guidance.

Here, we’ll take a look at what you need to know about making a claim on your boat insurance following damage due to natural causes. 

Boat Insurance: Making a Claim

Reach out to your insurance company right away. 

There’s no need to try to mitigate the damage on your own before reaching out to your boat insurance company. As soon as you see damage from natural causes to your boat, you’ll want to reach out to your agency to talk with them about filing a claim. Simply getting more information doesn’t mean that you have to file a claim, and your agent will be able to advise you on smart next steps. 

Don’t move your boat. 

If your boat has been submerged or may be totaled, talk with your insurance company about the best way to move forward. Don’t sign a contract with a salvaging company before you talk with your insurance agency. 

Remove personal items.

If it’s safe to do so, remove personal items from your boat to prevent further damage. If your boat is unsafe to enter, do not attempt to remove your personal items. Report all damage to your personal items to your insurance company. 

Searching for the right boat insurance for your needs? We’re here to help. 

At Midwest Professional Insurance in Kansas, we’re here to work with you to create the right boating insurance policy for your needs. Reach out to us today or stop by to chat with one of our friendly agents and learn more about our boat insurance policies.

Three things that your renters insurance policy should cover

If you live in a home that you rent, it’s in your best interests to get insured with an appropriate renters insurance policy. Renters insurance will protect you financially and give you peace of mind inside your rented home in Kansas and Missouri.

To fully take advantage of renters insurance, you should know what this type of insurance covers.

The following are three things that you should be able to rely on your renters insurance to cover. 

Liability expenses

In some situations, a tenant can be held liable for the costs that result from an accident within his or her rented home. Fortunately, renters insurance will typically cover bodily injury costs and other possible liability or injury expenses that could come up.

Liability coverage is especially important since the costs of medical bills or property damage in an accident could be very high. Such costs could wipe out a tenant’s savings without renters insurance coverage. 

Personal property

Personal property coverage is another essential type of coverage that a renters insurance policy should offer. With personal property coverage, you will be compensated if your belongings within your rental unit become damaged or destroyed in certain types of events. 

Alternative lodging costs

If your rented home becomes severely damaged, you might need to find alternative lodging in a hurry. When an issue like this comes up, you may be able to rely on your renters insurance policy to pay for the costs of your alternative and temporary lodging. 

Reach Out To Us

Doing your research before you purchase a renters insurance policy is always important. You can rely on us at Midwest Professional Insurance to help you understand how renters insurance works. Call us today to learn more. We can offer you a quote on a policy to cover your rental home. We proudly serve the residents of Kansas and Missouri.

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If you live in a home that you rent, it’s in your best interests to get insured with an appropriate renters insurance policy. Renters insurance will protect you financially and give you peace of mind inside your rented home in Kansas and Missouri.

To fully take advantage of renters insurance, you should know what this type of insurance covers.

The following are three things that you should be able to rely on your renters insurance to cover. 

Liability expenses

In some situations, a tenant can be held liable for the costs that result from an accident within his or her rented home. Fortunately, renters insurance will typically cover bodily injury costs and other possible liability or injury expenses that could come up.

Liability coverage is especially important since the costs of medical bills or property damage in an accident could be very high. Such costs could wipe out a tenant’s savings without renters insurance coverage. 

Personal property

Personal property coverage is another essential type of coverage that a renters insurance policy should offer. With personal property coverage, you will be compensated if your belongings within your rental unit become damaged or destroyed in certain types of events. 

Alternative lodging costs

If your rented home becomes severely damaged, you might need to find alternative lodging in a hurry. When an issue like this comes up, you may be able to rely on your renters insurance policy to pay for the costs of your alternative and temporary lodging. 

Reach Out To Us

Doing your research before you purchase a renters insurance policy is always important. You can rely on us at Midwest Professional Insurance to help you understand how renters insurance works. Call us today to learn more. We can offer you a quote on a policy to cover your rental home. We proudly serve the residents of Kansas and Missouri.

Why should I get a boat insurance plan?

No matter where you live in Kansas, finding a way to beat the heat during the summer months is very important. For many, a great way that this can be done is by getting a boat, which will allow you to enjoy many fun afternoons on a lake, river, or other waterways. If you are looking for a boat here, you also need to pick a proper insurance policy.

You will need to have boat coverage for various reasons:

Ensure the Boat is Protected

An important reason for anyone to get a boat insurance plan is to ensure their watercraft is protected. There are various risks that boat owners face that could result in a loss of their assets. Fortunately, theft, vandalism, and accident damage can all be protected against if you have boat insurance with comprehensive coverage. This will give you comfort in knowing that you will be able to replace or repair your boat if a loss is incurred. 

Reduce Liability Risks

It can also be beneficial to get boat insurance as it will help reduce your liability risks. Boat owners will always take on the risk that they can cause an accident that results in damage. If this happens and you have boat insurance, you will have support to cover these costs. Having liability coverage is also frequently required if you want to use certain marinas or waterways. 

Contact Us Today

When you are going to buy a boat, you will always want to know that you are getting proper insurance for it. A great way to ensure that you are insured is by calling Midwest Professional Insurance serving the Kansas community. We at Midwest Professional Insurance know the value and complexity of this unique insurance. We will ensure you are able to understand your options and build a proper plan. 

Read More

No matter where you live in Kansas, finding a way to beat the heat during the summer months is very important. For many, a great way that this can be done is by getting a boat, which will allow you to enjoy many fun afternoons on a lake, river, or other waterways. If you are looking for a boat here, you also need to pick a proper insurance policy.

You will need to have boat coverage for various reasons:

Ensure the Boat is Protected

An important reason for anyone to get a boat insurance plan is to ensure their watercraft is protected. There are various risks that boat owners face that could result in a loss of their assets. Fortunately, theft, vandalism, and accident damage can all be protected against if you have boat insurance with comprehensive coverage. This will give you comfort in knowing that you will be able to replace or repair your boat if a loss is incurred. 

Reduce Liability Risks

It can also be beneficial to get boat insurance as it will help reduce your liability risks. Boat owners will always take on the risk that they can cause an accident that results in damage. If this happens and you have boat insurance, you will have support to cover these costs. Having liability coverage is also frequently required if you want to use certain marinas or waterways. 

Contact Us Today

When you are going to buy a boat, you will always want to know that you are getting proper insurance for it. A great way to ensure that you are insured is by calling Midwest Professional Insurance serving the Kansas community. We at Midwest Professional Insurance know the value and complexity of this unique insurance. We will ensure you are able to understand your options and build a proper plan. 

Umbrella Insurance: What You Need To Know

The term "umbrella insurance" refers to extra liability insurance that offers a variety of coverage. While standard liability insurance is naturally limited, umbrella insurance surpasses many of those limitations. In turn, this provides the insured with a policy that branches out and covers more aspects of their lives.

There are two main types of umbrella insurance: Personal and Commercial

A personal umbrella insurance policy could potentially tackle homeowner’s and automobile coverage, while a commercial umbrella insurance policy involves business coverage.

There are several aspects to consider when you are shopping around for umbrella insurance. You will need to make sure that this type of coverage is the ideal coverage for you. If you are a business owner, commercial insurance can help you cover your employees, your property, and your business assets.

However, personal umbrella insurance is perfect for an individual in need of excess coverage, particularly someone with a net worth that is on the higher end. This can encompass a variety of legal troubles that may affect wealthy individuals more than anyone. These problems could be libel, slander, arrest under false pretenses, or invasion of privacy.

Get The Right Coverage Today

Midwest Professional Insurance in Kansas City, MO has insurance professionals waiting to assist you with getting the correct umbrella insurance policy. Whether you are looking for personal or commercial umbrella insurance, Midwest Professional Insurance can walk you through the steps of obtaining the correct policy for yourself.

If you are in the Kansas City, MO area, stop by the office to discuss this matter. If your income is suitable for an umbrella policy, the experts at Midwest Professional Insurance will work with you to make sure that your assets are covered, giving you the ultimate peace of mind.

Read More

The term "umbrella insurance" refers to extra liability insurance that offers a variety of coverage. While standard liability insurance is naturally limited, umbrella insurance surpasses many of those limitations. In turn, this provides the insured with a policy that branches out and covers more aspects of their lives.

There are two main types of umbrella insurance: Personal and Commercial

A personal umbrella insurance policy could potentially tackle homeowner’s and automobile coverage, while a commercial umbrella insurance policy involves business coverage.

There are several aspects to consider when you are shopping around for umbrella insurance. You will need to make sure that this type of coverage is the ideal coverage for you. If you are a business owner, commercial insurance can help you cover your employees, your property, and your business assets.

However, personal umbrella insurance is perfect for an individual in need of excess coverage, particularly someone with a net worth that is on the higher end. This can encompass a variety of legal troubles that may affect wealthy individuals more than anyone. These problems could be libel, slander, arrest under false pretenses, or invasion of privacy.

Get The Right Coverage Today

Midwest Professional Insurance in Kansas City, MO has insurance professionals waiting to assist you with getting the correct umbrella insurance policy. Whether you are looking for personal or commercial umbrella insurance, Midwest Professional Insurance can walk you through the steps of obtaining the correct policy for yourself.

If you are in the Kansas City, MO area, stop by the office to discuss this matter. If your income is suitable for an umbrella policy, the experts at Midwest Professional Insurance will work with you to make sure that your assets are covered, giving you the ultimate peace of mind.

Can Your Condo HOA Require You To Carry Condo Insurance With a Specific Company?

If you are in the process of buying a condo or have recently purchased one in Kansas, you may see that an HOA or condo association states that you have to have condo insurance. They may then recommend or suggest companies that you should purchase the insurance through.

This may leave you wondering if the HOA can require you to carry condo insurance and if they can require you to carry it through a specific company. Read along as Midwest Professional Insurance answers these questions. 

Can Your Condo HOA Require You To Carry Condo Insurance?

Your condo HOA can require you to carry condo insurance. The condo association has a vested interest in keeping your property maintained and cared for since the condo is inside a building they are responsible for. Additionally, if your condo is being financed, the financial company may also require you to carry condo insurance. 

Can Your Condo HOA Require You To Carry Condo Insurance With a Specific Company?

While a condo association and financial institution can require you to carry condo insurance, and can even require you to have a specific coverage amount, they cannot require you to purchase that insurance from a specific company. They can recommend companies, but you always have the ability to select your own condo insurance policies as long as it meets the basic requirements set forth by the condo HOA or financial institution. 

Give Us A Call

Your condo HOA or condo association can require you to carry condo insurance, but they cannot force you to buy it from a specific insurance company. You have a choice of what company you want to purchase it from. If you are looking to purchase condo insurance in Kansas, Midwest Professional Insurance would love to help you. Call us today to get started. 

Read More

If you are in the process of buying a condo or have recently purchased one in Kansas, you may see that an HOA or condo association states that you have to have condo insurance. They may then recommend or suggest companies that you should purchase the insurance through.

This may leave you wondering if the HOA can require you to carry condo insurance and if they can require you to carry it through a specific company. Read along as Midwest Professional Insurance answers these questions. 

Can Your Condo HOA Require You To Carry Condo Insurance?

Your condo HOA can require you to carry condo insurance. The condo association has a vested interest in keeping your property maintained and cared for since the condo is inside a building they are responsible for. Additionally, if your condo is being financed, the financial company may also require you to carry condo insurance. 

Can Your Condo HOA Require You To Carry Condo Insurance With a Specific Company?

While a condo association and financial institution can require you to carry condo insurance, and can even require you to have a specific coverage amount, they cannot require you to purchase that insurance from a specific company. They can recommend companies, but you always have the ability to select your own condo insurance policies as long as it meets the basic requirements set forth by the condo HOA or financial institution. 

Give Us A Call

Your condo HOA or condo association can require you to carry condo insurance, but they cannot force you to buy it from a specific insurance company. You have a choice of what company you want to purchase it from. If you are looking to purchase condo insurance in Kansas, Midwest Professional Insurance would love to help you. Call us today to get started. 

[Video] Difference between Excess Liability & Commercial Umbrella

The Two Minute (or less) Drill!

You’ve put a lot into building your business. I’m here to coach you on how to protect it. I hope you enjoy my new coaching series where I coach you on what you NEED to know so you can focus on what you do best – running your business. Let me know what you think!

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The Two Minute (or less) Drill!

You’ve put a lot into building your business. I’m here to coach you on how to protect it. I hope you enjoy my new coaching series where I coach you on what you NEED to know so you can focus on what you do best – running your business. Let me know what you think!

4 Tips to Get the Most Out of Your Health Insurance Plan

You want to protect the health and well-being of yourself and your family members. So, you’re looking for health insurance that safeguards you against major financial losses due to a covered medical event. At Midwest Professional Insurance, we help Kansas residents find the right health insurance for their needs.

Here are a few tips to help you get the most out of your coverage:

1. Conduct Regular Policy Reviews

You may think you understand your coverage, but policies can change over time. Schedule an annual policy review with your insurance agent to make sure you understand what’s covered. This way, you’ll clearly understand what your insurance pays for in the event of a medical or health crisis.

2. Find a Good Primary Care Doctor

Do you have a family doctor who knows your medical history and proactively looks after your health and well-being? If so, it’s important to find a policy that includes your preferred health care provider.

3. Take Advantage of Preventive Care

Even high-deductible policies typically cover screenings that fall under preventive care. This means you won’t pay out of pocket for screenings that include blood pressure, diabetes, and cholesterol checks. These policies typically include flu shots and breast cancer screenings to safeguard your health.

4. Look Out for Perks

Some policies come with perks. Find out whether your insurer can get you discounts at the local gym, for example. You may also receive discounts on nonessential procedures that improve your quality of life. This includes things like massages and LASIK surgery.

Give Us A Call

Midwest Professional Insurance in Kansas can discuss all your health insurance needs and connect you with a compatible insurance company. Contact us today to find out which policy is right for you.

Read More

You want to protect the health and well-being of yourself and your family members. So, you’re looking for health insurance that safeguards you against major financial losses due to a covered medical event. At Midwest Professional Insurance, we help Kansas residents find the right health insurance for their needs.

Here are a few tips to help you get the most out of your coverage:

1. Conduct Regular Policy Reviews

You may think you understand your coverage, but policies can change over time. Schedule an annual policy review with your insurance agent to make sure you understand what’s covered. This way, you’ll clearly understand what your insurance pays for in the event of a medical or health crisis.

2. Find a Good Primary Care Doctor

Do you have a family doctor who knows your medical history and proactively looks after your health and well-being? If so, it’s important to find a policy that includes your preferred health care provider.

3. Take Advantage of Preventive Care

Even high-deductible policies typically cover screenings that fall under preventive care. This means you won’t pay out of pocket for screenings that include blood pressure, diabetes, and cholesterol checks. These policies typically include flu shots and breast cancer screenings to safeguard your health.

4. Look Out for Perks

Some policies come with perks. Find out whether your insurer can get you discounts at the local gym, for example. You may also receive discounts on nonessential procedures that improve your quality of life. This includes things like massages and LASIK surgery.

Give Us A Call

Midwest Professional Insurance in Kansas can discuss all your health insurance needs and connect you with a compatible insurance company. Contact us today to find out which policy is right for you.

Choosing Your Life Insurance Policy

Most people have loved ones who depend on them, and it’s important to have life insurance for that reason. When you have life insurance, you have something to leave behind to those who depend on you and give them assistance after you’re gone. When you need a life insurance policy, there are two main types to choose from. These each has their own benefits as well as drawbacks. If you need help choosing your life insurance policy, you can call us at Midwest Professional Insurance in Kansas. 

Choosing Your Life Insurance Policy

Term Life Insurance Policies

This type of life insurance is one that has a specific, set term of time that it’s good for, and then it expires. This term may be any number of years but is often about 20 years long. When you have this type of insurance, it comes at a relatively low price. Many people in need of life insurance find this to be the most affordable option for them. However, it does expire, and when it does, policyholders have to apply for a new insurance policy all over again. 

Whole Life Insurance Policies

This type of policy works very differently from term life policies. It has no expiration date and is good for as long as you want to keep it. As long as you keep on making your premium payments, your policy can’t be canceled. The major disadvantage is that these policies are more expensive than term life, but there is also another advantage. They create a cash value that policyholders can borrow if they have a financial emergency. Many people like knowing that they have this amount to borrow against if the need should arise. 

Get Covered by Life Insurance

When you are in need of a life insurance policy, contact us to get started. You can call us at Midwest Professional Insurance in Kansas.

Read More

Most people have loved ones who depend on them, and it’s important to have life insurance for that reason. When you have life insurance, you have something to leave behind to those who depend on you and give them assistance after you’re gone. When you need a life insurance policy, there are two main types to choose from. These each has their own benefits as well as drawbacks. If you need help choosing your life insurance policy, you can call us at Midwest Professional Insurance in Kansas. 

Choosing Your Life Insurance Policy

Term Life Insurance Policies

This type of life insurance is one that has a specific, set term of time that it’s good for, and then it expires. This term may be any number of years but is often about 20 years long. When you have this type of insurance, it comes at a relatively low price. Many people in need of life insurance find this to be the most affordable option for them. However, it does expire, and when it does, policyholders have to apply for a new insurance policy all over again. 

Whole Life Insurance Policies

This type of policy works very differently from term life policies. It has no expiration date and is good for as long as you want to keep it. As long as you keep on making your premium payments, your policy can’t be canceled. The major disadvantage is that these policies are more expensive than term life, but there is also another advantage. They create a cash value that policyholders can borrow if they have a financial emergency. Many people like knowing that they have this amount to borrow against if the need should arise. 

Get Covered by Life Insurance

When you are in need of a life insurance policy, contact us to get started. You can call us at Midwest Professional Insurance in Kansas.

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