A Guide To Help Kansas Residents Find Life Insurance

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Fortress Insurance Agency serves the Overland Park, KS community, and the surrounding areas by offering residents a variety of insurance options. We strive to help our clients find the insurance coverage they need while offering excellent customer service in the process.

Life Insurance

Planning for the future is difficult for several reasons. One of the most painful things to plan for is passing away. While it may be uncomfortable, it’s important that you have a plan in place for how you would like your affairs to be handled after you pass away. With that being said, think about the benefits of life insurance. Life insurance helps you outline a plan for your assets’ future while also providing comfort to your friends and family. The policy will help alleviate some of the burdens that your friends and family may have after you pass away.

While you are researching different policies, it’s important that you analyze the differences between each one. Universal Life has flexible policy options. Whole Life provides coverage through your entire lifespan. Term life provides coverage over a specific time period. You also have the option to customize your policy into something that directly addresses your individual needs.

Obviously, your life may evolve, which should factor into the decision on which policy to choose. For example, while you are single now, that might not be the case in the future. Life insurance can help you ease your future spouse and children’s transition after you have passed away. Even if you have a policy through your employer, it is important to research your own personal coverage.

Fortress Insurance Agency Will Help You Prepare For The Future

We proudly serve the Overland Park, KS community. Contact our office to learn more information about life insurance policies.

What Does Commercial Insurance Cover?

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If you’re a business owner in Overland Park, KS, then you should be familiar with commercial insurance. If you’re new to owning a business, maybe you’re not as familiar and would like to be. Luckily, Fortress Insurance Agency has your back. Learn all about the in’s and out’s of commercial insurance and how it can protect your business. 

What Can You Get from Commercial Insurance? 

Commercial insurance, or business insurance, is a type of insurance that protects you and your business in the worst-case scenario. Like any insurance, commercial insurance provides your business with financial coverage. Here are some areas in which commercial insurance can provide coverage: 

  • Worker’s Composition: One of the more popular methods of coverage, worker’s composition provides a worker financial compensation if they were to get injured on the job. 
  • Liability: If someone else’s property was damaged and your business was at fault, this coverage would protect you. 
  • Property/Equipment Damage: If any of your business’s property or equipment were damaged, repair or replacement costs would be covered. 

To know how much coverage you are eligible for, visit Fortress Insurance Agency for a consultation. 

Why Get Commercial Insurance? 

If you have a business, whether it’s big or small, you need commercial insurance. Commercial insurance protects the vital aspects that make your business thrive: the equipment, the property, and the employees. It only makes sense to protect your assets. 

Keep Your Business Covered with Fortress Insurance Agency

To help you keep your business protected, Fortress Insurance Agency wants to help you find the right commercial insurance plan for you. Our office is located in Overland Park, KS, but you can contact us online for a consultation. Don’t wait any longer and get the right coverage to keep your business protected in the worst of times!

3 Important Questions to Ask About New Home Insurance

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Every resident in Overland Park, KS can appreciate that "there’s no place like home" after a long day. Most homeowners never have to file a home insurance claim, but it’s wise to ask your insurance agent these questions in case you do. Here are a few common questions our customers ask us at Fortress Insurance Agency:

1. "Is water and sewer backup damage included in Kansas home insurance?"

Most home insurance policies in Kansas don’t cover water-related damage, but you can ask your insurance agent about adding a sewer backup rider to your policy. You would still need to purchase a separate flood insurance policy under the federal National Flood Insurance Program. 

2. "Does the policy cover fine jewelry, artwork, and other highly valuable items?"

Home insurance in Kansas sometimes offers protection for high valued items, but the amount varies. Coverage may be limited in certain situations. Check with your insurance agent to determine if you need to get a separate insurance policy for adequate coverage on these special items. 

3. "What proof will I need to file a claim?"

Understanding what you need to file a claim is very important with your home insurance. Take photographs of receipts, relevant documents, and detailed parts of your home before and after the damage. Contact your insurance agent right away, and wait for the adjuster to arrive and inspect your property before you can make repairs, if possible. After that, you can make temporary repairs to prevent further damage to your home. You may be reimbursed if you submit this documentation with your claim. 

Feel free to contact us at Fortress Insurance Agency if you have questions, too. Our knowledgeable staff serves Overland Park, KS, and surrounding areas. No matter what life throws your way, we’re here for your insurance needs!