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Auto and Homeowners Insurance Information
What is auto insurance?
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Auto insurance provides property, liability and medical coverage:
- Property coverage pays for damage to or theft of your car.
- Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
- Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you’re financing a car, your lender may also have requirements.
Most auto policies are for six months or a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium.
Why do you need auto insurance?
It’s really all about protecting yourself financially.
- If you’re in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
- If you or any passengers are injured in an accident, medical costs can be extremely expensive.
- If you or your car is responsible for damage or injury to others, you may be sued for much more than you’re worth.
- Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.
Questions to ask your agent:
Your Independent Agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:
- How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
- What is the insurance company’s level of service and ability to pay claims?
- What discounts are available? (Ask about good driver, multiple policy and student discounts.)
- What’s the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)
What is Homeowners insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.
Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.
Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners’ responsibility.
Why do you need homeowners insurance?
It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That’s important because chances are your home is likely one of your largest investments.
- If your home was destroyed by fire or damaged by a natural disaster, you’d need money to repair or replace it.
- If a guest in your home is injured, liability protection and medical coverage help pay expenses.
- If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
- If you are still paying for your home, your lender will require insurance.
It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what’s included and what is not.
Things to consider and questions to ask your agent:
Here are few things to discuss with your agent that will influence your decisions.
- How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home’s features and the things you own so you can make an informed decision about coverage.)
- Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
- What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
- What’s the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.)
Ensure that You’re Insured.
If an accident happens, having the right amount of insurance can benefit you personally, financially, and legally. With Liability Coverage, you can be insured if you’re held responsible for a car accident by having any medical payments for injuries sustained to drivers, passengers, and pedestrians, as well as bills for property damage covered.
If you become legally liable as a result of a collision, liability also helps to pay for legal defense costs if you get sued.
Components of Liability
There are two main components to Auto Liability: Bodily Injury and Property Damage liability.
- Bodily Injury Liability helps pay for the costs associated with another person’s injuries, including medical expenses, loss of income and pain and suffering.
- Property Damage Liability takes care of any expenses that arise from damage caused by you to another driver’s vehicle or property.
If you’re involved in a serious auto accident, Liability Coverage can benefit you by providing critical protection against the loss of your home, savings, and income. Not only is having liability a good idea, but most states require that drivers have it in order to be legal on the road.
It’s important to have enough insurance to keep all of your assets protected and not all auto policies are the same. Contact a representative at Kansas Insurance today for more information about what Liability Coverage can do for you.
Security On and Off the Road.
Your Auto Insurance policy already gives you peace of mind behind the wheel. But more than just accidents happen, and with the right policy from Kansas Insurance, you can make sure that the security of your automobile doesn’t stop the moment you pull into the driveway. Comprehensive Coverage insures your vehicle and equipment against damage and expenses that result from something other than a collision.
At Kansas Insurance, we know that life is full of surprises, and with Comprehensive Coverage you can be prepared for all of them. Our team of asset protection specialists can prepare a plan that works for you with a variety of impressive features to insure your car against damages or loss resulting from:
- Theft or Larceny
- Vandalism and Glass Breakage
- Fire Damage
- Hail, Water, or Flood Damage
- Hitting a Deer or Other Anima
- Damage from Falling or Flying Objects
Other Non-Collision Related Services
In addition to Comprehensive, Kansas Insurance also can offer other non-collision oriented services for you and your car, like Roadside Assistance and Diminishing Deductible.
- Roadside Assistance provides you with advantages like lockout assistance, jump starts, and towing up to 15 miles – all in one convenient package.
- Diminishing Deductible commends you for being an accident and violation-free driver with an annual credit reward towards your collision deductible.
Bumper-to-Bumper Protection for Your Auto.
For most drivers, a car is more than just a means of transportation – it’s an investment. And if you’re involved in an accident, you’ll want to ensure that your investment is protected. With Collision Coverage from Kansas Insurance, you can have damage to your car insured under your policy – whether the damage is a result of an accident with another vehicle or some other object.
How Much Collision Coverage is Needed?
Different drivers require different coverage options for their Auto Insurance policies. Determining the right amount of Collision Coverage depends on factors like the age and year of your car, as well as your financial situation. An insurance specialist from Kansas Insurance can help you find an insurance option that best fits your budget.
In addition to protecting you and your car from collisions, we offer benefits that range from rewards and incentives to extended coverage. Our enhancements include: Diminishing Deductible, GAP Coverage, and Accident Forgiveness for better assurance.
- Diminishing Deductible rewards you with credit towards your collision deductible simply for being an accident and violation-free driver.
- GAP Coverage picks up the difference when a settlement from an accident is less than the actual amount you owe on your vehicle loan.
- Accident Forgiveness ensures that your rates won’t increase because of a single accident.
Contact Kansas Insurance today to see if you qualify for, or want to learn more about Auto Insurance enhancements that can help save you money.
Good Drivers deserve Great Rewards.
As a driver, safety should be one of your top concerns – safety for your passengers and for other drivers on the road. When you find the right coverage with Kansas Insurance, you’ll learn that being a responsible driver has its benefits. With Diminishing Deductible, you can actually get rewarded for being an accident and violation-free driver.
When you sign up for Diminishing Deductible, you’ll receive an immediate $100 credit on your deductible. From there, you can add $100 of more credit for every year – simply by being a safe driver. Drivers under Diminishing Deductible can receive up to a maximum of $500 credit.
For even more options, talk to a representative at Kansas Insurance about Total Loss Deductible Waiver. If your car gets totaled in an accident, and if you’re covered under this waiver, you won’t be responsible for paying your deductible.
It’s just one more way that Kansas Insurance can provide quality coverage options for safe drivers.
Don’t Let One Accident Hurt Your Record.
We understand that accidents happen. On the road, there are many situations that are outside of your control and sometimes cannot be avoided. At Kansas Insurance, we don’t want an accident to hurt your driving record, or even cause your rates to go up. With the right coverage, you can be forgiven for your first chargeable accident through Accident Forgiveness.
Under Accident Forgiveness, if you’re involved in an accident, your rates won’t increase – even if the accident is your fault. This applies only one time per policy, and once it’s been used, you’ll be eligible to receive it again three years later.
Contact a representative at Kansas Insurance today to find out how you can receive the benefits of Accident Forgiveness for your Auto Insurance policy.
Help On the Go.
On the road, anything can happen. From flat tires to breakdowns, it’s best to be prepared for it all. At Kansas Insurance, we’re proud to offer the following packages of Roadside Assistance* coverage through Allied Insurance’s trusted “Sign and Drive” service:
- Basic Package. This package includes towing up to 15 miles, fuel delivery, lockout, jump starts, flat tires, and membership discounts.
- Plus Package. This includes everything in the Basic Package, plus towing up to 100 miles, trip interruption coverage, turn-by-turn directions, pre-trip map routing, and emergency messages.
With Roadside Assistance, you’ll never be alone behind the wheel. Contact Kansas Insurance today to find out how you can get signed up.
Services apply while driving any vehicle with any occupant from an Allied household (insureds and in-home relatives).
*Roadside Assistance coverages and availability vary from state to state. Please contact a representative at Kansas Insurance for full details.
Specialty Auto Insurance
It’s More Than Just a Hobby.
Whether it’s an antique, a collectible, or your own custom-built roadster, your Specialty Auto is a labor of love. If you’re like most enthusiasts, you’ve poured many hours of time and effort into making your auto something unique and special. At Kansas Insurance, we realize that when you’re cruising down the strip, speeding across the track, or making heads turn at a show, the last thing you want to worry about is whether you have the right insurance.
We believe that your specialty car is not only a major investment, but also an extension of you. And a vehicle as unique as its driver requires more than a standard insurance policy. That’s why we’re proud to offer a variety of specialized coverage options for the following vehicles:
- Antique and Classic Cars
- Hot Rods
- Custom-Built Cars
- Show Cars
- Race Cars
With options and choices ranging from agreed value coverage to spare parts coverage, Kansas Insurance can provide you with the tools you need to insure your timeless automobile. We even offer multi-vehicle discounts for the avid collector.
Whatever your situation, you can rest assured that your Specialty Auto is protected with Kansas Insurance.
24-Hour Customer Service
Round-the-Clock Service for Your Convenience.
At Kansas Insurance, we strive for quality service with your convenience in mind. By offering 24/7/365 support, we’re here to serve you – when you need us most. Since accidents and non-collision oriented situations can fall outside of normal business hours, we’ve partnered with Allied Insurance’s On Your Side® service center to provide you with extended hours in case you need assistance.
For claims, accidents, billing information, and more, you can contact an Allied representative 24 hours a day, seven days a week at 800-282-1446.
Help When You Need It Most.
Your car gives you the freedom to take on the open road. Whether you’re enjoying the scenic countryside or driving to your favorite vacation spot, your adventures can be more enjoyable knowing that help is right around the corner with the convenience of Towing services.
In the event of an unexpected breakdown, the last place you’ll want to be is stranded on the side of the road, or stuck with costly towing fees. By adding Kansas Insurance’s optional Towing coverage to your Auto Insurance policy, you’ll get the peace of mind knowing that no matter where your journeys take you, you’ll never be alone.
In addition to our Towing coverage, Kansas Insurance also offers Roadside Assistance packages that include valuable extras like fuel delivery, turn-by-turn directions, jump starts, flat tire repair, and more. Contact a representative at Kansas Insurance today for more information.
Get Back On the Road Faster.
We understand that your days are busy, and between work and your family, not having a car is typically out of the equation. If your vehicle is left out of commission after an accident or theft, Kansas Insurance offers Rental Reimbursement services so that you won’t miss a beat.
Rental Reimbursement is an optional coverage option that provides for the expense of renting a substitute vehicle while yours is being repaired or replaced. Since benefits and details vary by insurance policy, it’s important to speak with a specialist at Kansas Insurance to make sure you know what’s covered and to see if you qualify for this additional service.
Medical Payments Coverage
You Can’t Put a Price on Safety.
When it comes to the safety and security of you and your family, nothing should be left to chance. If you or your loved ones get involved in a car accident, your number one priority should be to make sure everyone receives the care and treatment they need – at a cost that keeps your finances and savings intact.
Being insured with an auto policy that includes covering Medical Payments ensures that most medical expenses will be taken care of if you or a family member is injured in an auto accident as either a passenger in the car, or as a pedestrian struck by an auto. This coverage applies the same regardless of who is at fault and extends to the policyholder’s family members, as well as any passengers in the vehicle.
The rising cost of healthcare has made paying out of pocket for major medical expenses extremely difficult. If you worry about not being able to take care of your family in the event of an accident, keep in mind that with the right Auto Insurance policy, you won’t have to anymore.
Contact Kansas Insurance today to learn about how the right coverage can keep those you care about most protected.
Strength and Stability for Your Home.
Your home is your sanctuary. It’s a dependable shelter that keeps you and your family safe, and it’s the place where memories are made. For most people, a house represents the biggest financial and emotional investment they’ll ever make. With the right Property Insurance plan, you can protect your investment and your personal property from whatever life throws your way.
Every Home Insurance policy is different, and at Kansas Insurance, we’ll work with you to make sure that your policy fits the needs of yourself and your family. Property Insurance may insure your home from the following types of damage:
- Fire and Lightning
- Collisions from Vehicles or Aircraft
- Sewer/Drain Backup
- Volcanic Eruption
- Freezing Conditions or Snow
Property Insurance Options to Consider
There are many additional coverage types that are available to safeguard your home and belongings, and it’s important to talk with a representative at Kansas Insurance who can help you find the right policy.
Options such as Personal Property Insurance and Flood or Earthquake Insurance may not fall under a standard Homeowners policy. In the event of an accident or theft, Personal Property can pay the actual cash value (ACV) or replacement cost of personal content items or articles like furniture, appliances, and clothing.
Other items that may be included are Builder’s Risk while your home is being built or reconstructed, and insurance for damage to pertinent/detached structures.
Another important feature to consider in your Homeowners policy is Dwelling Replacement Coverage. If a fire or other accident leaves your home a “total loss,” this coverage provides for the cost of replacing your home at its current value, rebuilding to code, and Ordinance & Law.
As is the case with many other features of Home Insurance, additional coverage can vary greatly depending on your policy, which is why it’s important to discuss your individual insurance options with Kansas Insurance before making a decision.
Protect Yourself, Your Home, and Your Finances.
Accidents can happen, even at home. If someone were to claim an injury on your property, there’s no stopping them from affecting your finances, your house, or anything else you own that can be labeled as compensation. As the property owner, you could be held fully responsible for injuries to others that occur due to hazardous conditions such as poor lighting, floor hazards, or falls resulting from snow or ice.
With a Homeowners Liability policy from Kansas Insurance, you can ensure the security of your finances and the safety of your family in the event of an accident. For serious injuries, including casualties, you may be responsible for paying large medical bills and even court costs if you are sued. This policy works to protect you in a variety of situations, including:
- Claims for property damage
- Claims for injury to others (either on or off the premises)
- Liability defense costs
- Medical expenses for injuries to others
Having the proper Homeowners Liability Insurance for your home will prepare you for future accidents and help preserve your hard-earned assets and finances. Talk with a representative at Kansas Insurance to determine the right amount of coverage to keep you protected today.
Belongings Hold Memories. Make Sure They’re Safe.
If you rent an apartment, house, condo, or even a dorm room, you may not think you need insurance. But in the event that fire, theft, or vandalism damages your property, it’s unlikely that your landlord will pay to replace your belongings.
At Kansas Insurance, we know that you’ve most likely invested a lot of time and money in your personal property, and it’s up to you to take care of it. Having a Renters Insurance, or Tenants Insurance, policy can pay for the cost of replacing your belongings if they are damaged due to a covered accident, or if they’re stolen.
Depending on your policy, your insurance will pay to replace items using one of two methods: Actual Cash Value (ACV) or Replacement Cost. With ACV coverage, your belongings are insured only for the amount in which they are currently worth, while Replacement Cost will pay for the expense of replacing the items with brand new ones.
Additional Insurance Options
Also included in your Renters Insurance is Liability Coverage to safeguard yourself from injury claims that occur in your home. If someone gets hurt on your property, your insurance can pay the related medical payments and expenses, and provide for the cost of legal support if you are sued.
In the event that a fire or other damage makes your residence uninhabitable and places you in a “loss of use” situation, your Renters Insurance may temporarily reimburse you for the cost of another residence in which to live.
A representative at Kansas Insurance is committed to working with you to design a policy that ensures you get the options you want at a price you can afford.
Protect More Than Just Your Possessions.
For many, a condo is a great alternative to living in an apartment or a home, and can offer more space, more living area, and more amenities. But since a condo is a special kind of residence, it requires its own insurance policy.
With Condo Insurance from Kansas Insurance, you can extend your protection past that of what your condo community provides. It helps pay for the replacement of your personal belongings while offering basic liability to cover bodily injury or property damage. And unlike Renters Insurance, Condo Owners Insurance covers any damage done to the interior of your unit. For any interior damage, your insurance may be used to pay for the expense of fixing or replacing items like drywall, flooring, light fixtures, and more.
A Condominium Insurance policy includes other great features like guest medical protection, which pays for the medical expenses of friends and visitors who are injured on your property. In the event a fire or other disaster puts your condo out of commission, additional living expenses coverage may reimburse you for cost of temporary housing while your unit is being fixed.
Contact a specialist at Kansas Insurance today to determine the right amount of coverage you need to keep your condo insured.
Mobile Home Insurance
Specialized Security for Your Home and Property.
At Kansas Insurance, we know you’ve worked hard to turn your mobile home into the perfect living space for you and your family, but sometimes accidents like fire or severe storms can cause major setbacks. That’s why we’re committed to serving all of your insurance needs. With a specialized Mobile Home Insurance policy, you can safeguard your home and your belongings in the event of a covered loss.
Mobile Home Insurance works much like a typical Homeowners policy and typically includes features such as:
- Personal Property Protection to pay for loss or damage to most of your personal items
- Family Liability Protection to provide legal representation against injury or property damage claims
- Guest Medical Protection to help cover the medical expenses for visitors injured in your home
- Home & Structure Protection to compensate you for building repairs after a covered accident
- Additional Living Expenses to reimburse you for temporary housing during reconstruction
Additional Benefits for Your Mobile Home
We know how special your mobile or manufactured home is to you, and we’re proud to offer to an exceptional insurance policy that’s designed to meet your budget. You may also qualify for savings and discounts simply by having extra security devices installed in your home, or by combining your Mobile Home and Auto Insurance policies.
Talk with a specialist at Kansas Insurance to learn how you can save with Mobile Home Insurance.
Rent with Confidence.
A rental property is an important asset that can supply you with a valuable source of income. As the owner of an apartment, home, condo, or other property, you’ll want to be prepared in the event that your investment is damaged. With a Landlords Insurance policy from Kansas Insurance, you’ll receive a complete degree of protection to keep yourself and your rental property insured.
The proper Landlord policy can provide options from Personal Property and Liability to Medical Payments to Others and Dwelling to accommodate the special risks that you as a property owner may face. Landlords Insurance can also cover:
- Damage to your property or other attached structures from a fire, natural disaster, or other peril, including damage caused by tenants
- Expenses you may be legally obligated to pay for the property damage or medical payments in the event of injury
- Legal counsel and fees in the event of a related lawsuit
- Additional expenses to make up for lost income if your property needs repaired through loss of use
Because of the variety of options available, an insurance specialist at Kansas Insurance is available to make sure you have the right amount of coverage for your rental property at a price that meets your budget. With the benefits of a Landlords Insurance policy, you can rent to tenants with the confidence of knowing your investment is secure.