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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. 

Your Guide to Auto Insurance

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At Fortress Insurance Agency, we have helped many Overland Park, KS area residents understand their auto insurance policy. If you’re new to car ownership, it is essential to read this information to understand better your level of coverage and what kind of policies you may need.

Basic Insurance Coverage 

When buying auto insurance, you pay a premium every month that helps create a specific coverage level. And your limitations or deductibles indicate how much you have to pay before your policy goes into effect. Your primary coverage option includes:

  • Liability coverage for bodily injury or property damage 
  • Supplementary payments related to your accident’s legal state 
  • Expenses to repair your vehicle 
  • Comprehensive coverage that pays beyond collision situations 

However, your policy may also include many other additional coverage types that you can tweak to get the help that you need. Understanding your options here will help to ensure that you choose the best coverage option for your needs as a person. 

Additional Options 

Adding extra policy coverage to your insurance helps to protect you against common problems that may otherwise affect you. Just a few additional options that you can add to your policy include:

  • Medical payment coverage for you and your family 
  • Uninsured policies to protect from other drivers 
  • Underinsured coverage to protect against other drivers 
  • Operational losses if your policy is for a business vehicle 

Often, these extra coverage options must be added to your policy. Your premiums and deductibles may go up or down, depending on your insurance company. Make sure you balance your needs in a way that makes sense for you. 

Get the Coverage You Deserve 

If you need a high-quality auto insurance policy, please contact Fortress Insurance Agency to learn more. We serve the Overland Park, KS area and will do what we can to help you here.

What Does Commercial Property Insurance Cover?

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Commercial property insurance helps protect you by providing coverage for the physical property belonging to your business. In Overland Park, KS, business owners can find peace of mind knowing their business property is protected against damage and income lost due to the damage. For additional information about protecting your business with a commercial insurance policy, call the experts at Fortress Insurance Agency today. 

What is Commercial Property Insurance?

To understand what commercial property insurance covers, you must first understand what the policy is. Commercial property insurance is purchased by businesses or corporations and is a specific type of insurance protecting the company’s physical property. The policy covers tangible land, capital equipment, and contents of the building owned by the company. There are stipulations to the policy, which define specific types of coverage and compensation amounts. 

What Does Commercial Property Insurance Cover? 

Different types of commercial property insurance cover other things, such as the cause of damage and the property insured. For example, most policies cover accidental damage and damage caused by fire. However, additional coverage may need to be added for damage-causing perils, such as flooding and storm damage. Additionally, a commercial property insurance policy provides reimbursement to a business owner for income lost and expenses incurred due to damage to their property. 

How Does Commercial Property Insurance Work?

Commercial property insurance works similarly to homeowner’s property insurance. The business owner pays a premium for insurance coverage, and when damage occurs, the owner files a claim. Then the insurance adjuster assesses the claim and evaluates if it falls under the scope of their insurance policy. 

Protect your Overland Park, KS business property today by calling Fortress Insurance Agency for additional information about commercial property insurance coverage. 

Does Homeowners Insurance Cover Fire Damage?

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Purchasing a homeowners insurance policy protects you and your family’s home and belongings. In addition, most policies provide coverage to help replace or repair your home and its contents should they be damaged, destroyed, or stolen. As your most valuable asset in Overland Park, KS, you want your home to have all the protection available through your insurance policy. In addition, should a fire occur, your insurance policy should provide you the protection you need. 

To verify fire protection coverage or discuss more insurance options, call us at Fortress Insurance Agency today.

Should there be a fire, the following items are typically covered by homeowners insurance: 

Dwelling

Your homeowners insurance policy should cover the costs of repairs or rebuilding the structure of your home. Additionally, insurance typically covers any attached structures, such as a garage. If your home cannot be lived in, your insurance policy may also cover your hotel and food costs. 

Detached Structures

Also referred to as “other structures coverage,” your homeowners insurance policy may have coverage for detached structures on your property. These types of structures include sheds, detached garages, pools, and fences. 

Personal Property

Homeowner’s insurance typically covers personal belongings within the home, including appliances, clothing, and furniture. If these items are destroyed or damaged in a fire, your policy may help pay to replace or repair them. 

Other Coverage

Additionally, you may also be covered for damage to landscaping, such as trees and shrubs caused by the fire. 

Wildfire Damage

Depending upon the area, your policy may include coverage for wildfire damage caused to your property. 

To fully understand how much fire protection you have in your insurance policy, you must read it in its entirety. However, those in Overland Park, KS who still have questions about fire coverage should call our agents at Fortress Insurance Agency. We can help answer any questions you may have and get you the coverage you need.