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Sep 30 2024

Urban vs. Rural Health Insurance Coverage for Kansas Residents

Sep 30 2024 by adminPosted in Health InsuranceTagged ,

Gain insights into the challenges of finding urban and rural health insurance coverage from insurance experts at Midwest Professional Insurance. 

Urban vs. Rural Health Care in Kansas 

City dwellers in large metro areas like Kansas City and Wichita usually have access to a wide variety of health care and health insurance options, which makes choosing a provider and plan easy. 

Key Characteristics of Urban Health Care Can Include: 

  • Access to Diverse Insurance Marketplaces 
  • Competitive Pricing for Health Insurance 
  • A Plethora of Local Insurance Providers 

On the other hand, the insurance needs of urban Kansas residents can drastically differ from those of rural Kansas. The health insurance landscape in rural Kansas has its own unique challenges and opportunities. 

Key Characteristics of Rural Health Care in Kansas Can Include: 

Residents living in rural areas may find that they have limited access to healthcare providers, insurance plans, and coverage to keep themselves and their families safer. 

Rural residents can have trouble managing their healthcare due to location limitations that can include: 

  • Limited Access to Top Healthcare Provider Networks
  • Higher Premiums Due to Location 
  • Long-Distance Drivers to Quality Healthcare Facilities

Addressing these healthcare challenges alone can feel daunting for rural Kansasans who don’t know where to find affordable and quality health insurance coverage. Not taking action and finding a trusted health insurance plan or healthcare provider can have devastating consequences. 

The good news is various individual and family health insurance options are available from trusted local insurance providers at Midwest Professional Insurance! 

Contact Midwest Professional Insurance Today! 

Our knowledgeable and skilled agents can address your concerns about urban and rural health insurance basics in Kansas and help you choose the best policy to meet your family’s ever changing healthcare needs.

Read More

Gain insights into the challenges of finding urban and rural health insurance coverage from insurance experts at Midwest Professional Insurance. 

Urban vs. Rural Health Care in Kansas 

City dwellers in large metro areas like Kansas City and Wichita usually have access to a wide variety of health care and health insurance options, which makes choosing a provider and plan easy. 

Key Characteristics of Urban Health Care Can Include: 

  • Access to Diverse Insurance Marketplaces 
  • Competitive Pricing for Health Insurance 
  • A Plethora of Local Insurance Providers 

On the other hand, the insurance needs of urban Kansas residents can drastically differ from those of rural Kansas. The health insurance landscape in rural Kansas has its own unique challenges and opportunities. 

Key Characteristics of Rural Health Care in Kansas Can Include: 

Residents living in rural areas may find that they have limited access to healthcare providers, insurance plans, and coverage to keep themselves and their families safer. 

Rural residents can have trouble managing their healthcare due to location limitations that can include: 

  • Limited Access to Top Healthcare Provider Networks
  • Higher Premiums Due to Location 
  • Long-Distance Drivers to Quality Healthcare Facilities

Addressing these healthcare challenges alone can feel daunting for rural Kansasans who don’t know where to find affordable and quality health insurance coverage. Not taking action and finding a trusted health insurance plan or healthcare provider can have devastating consequences. 

The good news is various individual and family health insurance options are available from trusted local insurance providers at Midwest Professional Insurance! 

Contact Midwest Professional Insurance Today! 

Our knowledgeable and skilled agents can address your concerns about urban and rural health insurance basics in Kansas and help you choose the best policy to meet your family’s ever changing healthcare needs.

Aug 30 2024

Minimum Car Insurance Requirements for Kansas Drivers

Aug 30 2024 by adminPosted in Auto InsuranceTagged ,

In Kansas, the law mandates that drivers procure a minimum level of car insurance. While you can augment coverage to meet your requirements, it’s essential to always ensure a basic coverage level. Driving without insurance in Kansas constitutes a misdemeanor and can lead to fines, suspension of your license or vehicle registration, or even incarceration.

Essential Insurance Requirements

Three types of auto insurance are necessary to drive in Kansas. Firstly, liability coverage, which covers bodily injury and property damage for third parties impacted by your vehicular accident. Secondly, uninsured/underinsured motorist coverage, which compensates you in case you’re involved in an accident where the other party is uninsured or lacks the legally required auto insurance coverage. Lastly, you’ll need personal injury protection (PIP) coverage. PIP insurance covers medical expenses, rehabilitation expenses, loss of income, and care services at home. It should also cover a minimum of $2,000 in funeral expenses per individual.

It’s worth noting that Kansas operates as a "no-fault" state. This implies that you’ll need to pay up to your policy limit for your medical expenses, regardless of who caused the accident. However, if the other party was at fault, you can claim compensation from the at-fault party once their PIP coverage limits are exhausted.

Reach Out to Midwest Professional Insurance for Further Information

Midwest Professional Insurance specializes in addressing the insurance needs of Kansas drivers of all age groups and backgrounds. Contact us for more information about your policy choices or to secure a quote on a basic policy.

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In Kansas, the law mandates that drivers procure a minimum level of car insurance. While you can augment coverage to meet your requirements, it’s essential to always ensure a basic coverage level. Driving without insurance in Kansas constitutes a misdemeanor and can lead to fines, suspension of your license or vehicle registration, or even incarceration.

Essential Insurance Requirements

Three types of auto insurance are necessary to drive in Kansas. Firstly, liability coverage, which covers bodily injury and property damage for third parties impacted by your vehicular accident. Secondly, uninsured/underinsured motorist coverage, which compensates you in case you’re involved in an accident where the other party is uninsured or lacks the legally required auto insurance coverage. Lastly, you’ll need personal injury protection (PIP) coverage. PIP insurance covers medical expenses, rehabilitation expenses, loss of income, and care services at home. It should also cover a minimum of $2,000 in funeral expenses per individual.

It’s worth noting that Kansas operates as a "no-fault" state. This implies that you’ll need to pay up to your policy limit for your medical expenses, regardless of who caused the accident. However, if the other party was at fault, you can claim compensation from the at-fault party once their PIP coverage limits are exhausted.

Reach Out to Midwest Professional Insurance for Further Information

Midwest Professional Insurance specializes in addressing the insurance needs of Kansas drivers of all age groups and backgrounds. Contact us for more information about your policy choices or to secure a quote on a basic policy.

Jul 30 2024

Does My Vehicle Qualify for Classic Car Insurance?

Jul 30 2024 by adminPosted in Classic Car InsuranceTagged ,

Is Your Vehicle Eligible for Classic Car Insurance? Find Out Here!

If you own an older or an exotic vehicle, you might be wondering if it qualifies for classic car insurance. At Midwest Professional Insurance, we offer classic car insurance in Kansas. Here’s how you can determine if your vehicle qualifies.

Age or Rarity of the Vehicle

Typically, your vehicle should be at least 25 years old to qualify for classic car insurance, although this requirement may vary from policy to policy.

If your vehicle is identified as a collector or exotic car, this age requirement may not be applicable.

Condition of the Vehicle

To qualify for a classic car insurance policy, the vehicle must be restored or in good condition. If your older vehicle is in poor condition, it is unlikely to qualify.

Mileage Requirements

Specific policies have a limit on the number of miles you can drive your vehicle each year to qualify. Conversely, other policies require that the vehicle is not your primary mode of transportation. This implies that you’ll need at least one other vehicle you drive regularly besides your classic vehicle.

Storage Requirements

Many policies also require specific storage arrangements. You may need to store your vehicle in a garage or under a covered porch. A storage facility is another good option, and it offers additional security to help protect your vehicle.

Types of Qualifying Vehicles

Of course, collectors, antique cars, and trucks qualify for this type of insurance policy. However, they are not the only ones. These also qualify if you have antique farm equipment or a vintage motorcycle. Furthermore, exotic or special interest vehicles, classic military vehicles, and kit cars can also be eligible for a classic car insurance policy.

Secure Your Classic Car Insurance with Midwest Professional Insurance

If you need classic car insurance in Kansas, don’t hesitate to contact us at Midwest Professional Insurance. Our agents are ready to discuss your vehicle and needs and assist you in selecting the best policy for your needs.

Read More

Is Your Vehicle Eligible for Classic Car Insurance? Find Out Here!

If you own an older or an exotic vehicle, you might be wondering if it qualifies for classic car insurance. At Midwest Professional Insurance, we offer classic car insurance in Kansas. Here’s how you can determine if your vehicle qualifies.

Age or Rarity of the Vehicle

Typically, your vehicle should be at least 25 years old to qualify for classic car insurance, although this requirement may vary from policy to policy.

If your vehicle is identified as a collector or exotic car, this age requirement may not be applicable.

Condition of the Vehicle

To qualify for a classic car insurance policy, the vehicle must be restored or in good condition. If your older vehicle is in poor condition, it is unlikely to qualify.

Mileage Requirements

Specific policies have a limit on the number of miles you can drive your vehicle each year to qualify. Conversely, other policies require that the vehicle is not your primary mode of transportation. This implies that you’ll need at least one other vehicle you drive regularly besides your classic vehicle.

Storage Requirements

Many policies also require specific storage arrangements. You may need to store your vehicle in a garage or under a covered porch. A storage facility is another good option, and it offers additional security to help protect your vehicle.

Types of Qualifying Vehicles

Of course, collectors, antique cars, and trucks qualify for this type of insurance policy. However, they are not the only ones. These also qualify if you have antique farm equipment or a vintage motorcycle. Furthermore, exotic or special interest vehicles, classic military vehicles, and kit cars can also be eligible for a classic car insurance policy.

Secure Your Classic Car Insurance with Midwest Professional Insurance

If you need classic car insurance in Kansas, don’t hesitate to contact us at Midwest Professional Insurance. Our agents are ready to discuss your vehicle and needs and assist you in selecting the best policy for your needs.

Jun 28 2024

Self-Employed Individuals Need Life Insurance

Jun 28 2024 by adminPosted in Life InsuranceTagged ,

Venturing into self-employment can be an exhilarating journey. However, it’s important to understand that life insurance plays a critical role in securing everyone’s future. If you’re uncertain about how to kickstart the process, Midwest Professional Insurance in Kansas is here to help you meet your insurance requirements.

Providing Your Family Financial Protection

The advent of an unforeseen death can be financially devastating, but immediate access to life insurance benefits can provide your family with a crucial financial safety net. This goes for self-employed individuals, too. Often, such individuals have numerous family members depending on their weekly income. In the event of sudden death, a life insurance policy can provide the necessary financial assistance to ensure the family remains financially stable. This coverage can help reduce the household’s debt and cover daily living expenses.

Life Insurance Keeps Self-Employed Business Alive

A common issue with self-employed partnerships is the failure to devise a contingency plan in the event of the sudden death of a partner. Often, the accumulated business debts become too great for one person to manage. However, establishing a life insurance policy that can meet the businesses’ financial obligations can help. Insurance experts argue it is a financial planning tool that continues the business’s operation. This policy provides the necessary financial support to buy out the deceased partner’s shares, ensuring a smooth transition for all parties involved.

Life Insurance and Income Replacement

Choosing to be self-employed often means sacrificing a consistent weekly paycheck. This change in cash flow may require a different approach to managing your monthly budget. In the event of your sudden demise, the income replacement feature attached to your life insurance can prove invaluable to your family. It can handle the home’s monthly expenses (mortgage or rent, bills, and living costs) without delay. Typically, income replacement constitutes the largest part of a person’s life insurance policy.

Life insurance is a valuable investment to protect your family’s future in the event of your unexpected demise. At Midwest Professional Insurance in Kansas, we can assist in creating a life insurance policy that aligns with your needs. Schedule an appointment today.

Read More

Venturing into self-employment can be an exhilarating journey. However, it’s important to understand that life insurance plays a critical role in securing everyone’s future. If you’re uncertain about how to kickstart the process, Midwest Professional Insurance in Kansas is here to help you meet your insurance requirements.

Providing Your Family Financial Protection

The advent of an unforeseen death can be financially devastating, but immediate access to life insurance benefits can provide your family with a crucial financial safety net. This goes for self-employed individuals, too. Often, such individuals have numerous family members depending on their weekly income. In the event of sudden death, a life insurance policy can provide the necessary financial assistance to ensure the family remains financially stable. This coverage can help reduce the household’s debt and cover daily living expenses.

Life Insurance Keeps Self-Employed Business Alive

A common issue with self-employed partnerships is the failure to devise a contingency plan in the event of the sudden death of a partner. Often, the accumulated business debts become too great for one person to manage. However, establishing a life insurance policy that can meet the businesses’ financial obligations can help. Insurance experts argue it is a financial planning tool that continues the business’s operation. This policy provides the necessary financial support to buy out the deceased partner’s shares, ensuring a smooth transition for all parties involved.

Life Insurance and Income Replacement

Choosing to be self-employed often means sacrificing a consistent weekly paycheck. This change in cash flow may require a different approach to managing your monthly budget. In the event of your sudden demise, the income replacement feature attached to your life insurance can prove invaluable to your family. It can handle the home’s monthly expenses (mortgage or rent, bills, and living costs) without delay. Typically, income replacement constitutes the largest part of a person’s life insurance policy.

Life insurance is a valuable investment to protect your family’s future in the event of your unexpected demise. At Midwest Professional Insurance in Kansas, we can assist in creating a life insurance policy that aligns with your needs. Schedule an appointment today.

May 29 2024

When is umbrella insurance a good idea in Kansas

May 29 2024 by adminPosted in Umbrella InsuranceTagged ,

Umbrella insurance is a special type of coverage that provides an additional layer of protection beyond standard insurance. After a standard insurance policy’s coverage amounts have been reached, the umbrella policy can pay out additional money to help cover more significant losses. While not everyone may need umbrella insurance, there are a few reasons why this kind of coverage is recommended. 

Here is a summary of when umbrella insurance from Midwest Professional Insurance in Kansas is a good investment. We can provide additional coverage options and answers during a conversation with an agent. 

For those who own extensive assets

Some people may want additional coverage through an umbrella policy to protect their extensive assets. These may include real property and real estate, high-value automobiles, business assets, and other things with significant value. Standard insurance policies likely do not provide enough coverage to entirely protect these kinds of assets owned by high-net-worth individuals. 

High-risk situations

People who engage in certain activities, have certain jobs and are in certain situations always face a greater risk of loss. For example, those who live in high-crime areas in Kansas are exposed to a greater risk of theft and vandalism. People who drive a lot are also at a higher risk of being in a costly motor vehicle accident. Those with added risk due to their career or lifestyle will likely want to invest in an umbrella policy. 

Our agents can provide more info.

Midwest Professional Insurance has agents available who can answer questions and set up a policy. Please get in touch with us today to learn more about the benefits of umbrella insurance.

Read More

Umbrella insurance is a special type of coverage that provides an additional layer of protection beyond standard insurance. After a standard insurance policy’s coverage amounts have been reached, the umbrella policy can pay out additional money to help cover more significant losses. While not everyone may need umbrella insurance, there are a few reasons why this kind of coverage is recommended. 

Here is a summary of when umbrella insurance from Midwest Professional Insurance in Kansas is a good investment. We can provide additional coverage options and answers during a conversation with an agent. 

For those who own extensive assets

Some people may want additional coverage through an umbrella policy to protect their extensive assets. These may include real property and real estate, high-value automobiles, business assets, and other things with significant value. Standard insurance policies likely do not provide enough coverage to entirely protect these kinds of assets owned by high-net-worth individuals. 

High-risk situations

People who engage in certain activities, have certain jobs and are in certain situations always face a greater risk of loss. For example, those who live in high-crime areas in Kansas are exposed to a greater risk of theft and vandalism. People who drive a lot are also at a higher risk of being in a costly motor vehicle accident. Those with added risk due to their career or lifestyle will likely want to invest in an umbrella policy. 

Our agents can provide more info.

Midwest Professional Insurance has agents available who can answer questions and set up a policy. Please get in touch with us today to learn more about the benefits of umbrella insurance.

Apr 29 2024

How Much Do I Need to Have For Condo Insurance Coverage

Apr 29 2024 by adminPosted in Condo InsuranceTagged ,

If you rent or own a condo, you’ll still want to have insurance in place. Like homes, condos can suffer damages that can cost you a lot to fix if you don’t have the right insurance.

Things to Consider When Choosing Condo Insurance

What Does the HOA Master Policy Cover?

Your HOA typically collects monthly fees to cover the exteriors of units and common areas. These entities tend to cover areas of their own interest but not the owner’s goods.

Determine Costs to Make Interior Repairs

Interiors are wholly your responsibility, so you’ll want to have enough condo insurance to make repairs or replacements if necessary. A Midwest Professional Insurance company serving Kansas will help determine the amount, factoring in what the HOA’s master policy covers.

Calculate the Value of Personal Items

Should goods be damaged in a covered loss or stolen, they are covered. Take a home inventory to determine the value, calculating valuables like art, jewelry, and collections.

Protect Your Assets

If someone is injured on your property, your dog bites someone, or you’re found liable for damages, protect your investments, which could be at risk for lawsuits. Your policy can protect your investments and assets to protect yourself from liability issues.

Calculate Addition Living Expenses

Should a serious incident cause major damage to your unit, your condo may be uninhabitable for a while. Meanwhile, it will take money to pay for rent elsewhere, meals to eat, laundry to do, and maybe even pet boarding. This part of your condo insurance helps cover these expenses to minimize money out-of-pocket.

Midwest Professional Insurance Serving Kansas

Looking for an insurance company that serves Kansas residents? Contact Midwest Professional Insurance to learn more or get a condo insurance quote.

Read More

If you rent or own a condo, you’ll still want to have insurance in place. Like homes, condos can suffer damages that can cost you a lot to fix if you don’t have the right insurance.

Things to Consider When Choosing Condo Insurance

What Does the HOA Master Policy Cover?

Your HOA typically collects monthly fees to cover the exteriors of units and common areas. These entities tend to cover areas of their own interest but not the owner’s goods.

Determine Costs to Make Interior Repairs

Interiors are wholly your responsibility, so you’ll want to have enough condo insurance to make repairs or replacements if necessary. A Midwest Professional Insurance company serving Kansas will help determine the amount, factoring in what the HOA’s master policy covers.

Calculate the Value of Personal Items

Should goods be damaged in a covered loss or stolen, they are covered. Take a home inventory to determine the value, calculating valuables like art, jewelry, and collections.

Protect Your Assets

If someone is injured on your property, your dog bites someone, or you’re found liable for damages, protect your investments, which could be at risk for lawsuits. Your policy can protect your investments and assets to protect yourself from liability issues.

Calculate Addition Living Expenses

Should a serious incident cause major damage to your unit, your condo may be uninhabitable for a while. Meanwhile, it will take money to pay for rent elsewhere, meals to eat, laundry to do, and maybe even pet boarding. This part of your condo insurance helps cover these expenses to minimize money out-of-pocket.

Midwest Professional Insurance Serving Kansas

Looking for an insurance company that serves Kansas residents? Contact Midwest Professional Insurance to learn more or get a condo insurance quote.

Mar 29 2024

Is Health Insurance a Luxury or a Need?

Mar 29 2024 by adminPosted in Health InsuranceTagged ,

Imagine a utopian world with no sicknesses, mishaps, or infirmities; health insurance would be obsolete. However, we inhabit a world riddled with illnesses and accidents, rendering health insurance a vital part of our lives. Quality health insurance from Midwest Professional Insurance in Kansas shields you against potential medical emergencies.

The Security Net Offered by Health Insurance

Health insurance furnishes financial aid for medical interventions in times of need. Health crises are notoriously unpredictable, and robust health coverage ensures you access to premium medical treatments during your hour of need. As healthcare costs continue to escalate, your health insurance offers the reassurance of a financial cushion for routine doctor visits, hospital stays, and prescription drugs to restore your health.

Many health plans also encompass preventive services such as routine wellness checkups, blood work, and lab tests to diagnose health issues early or even preclude them. Prompting intervention when health issues are still manageable sustains your health by preventing them from escalating into significant complications down the line.

Health insurance accessibility significantly eases financial strain by sharing your medical expenditure burden. The undue stress of staggering medical bills could compound health problems, which can be circumvented with comprehensive health insurance coverage. Furthermore, with health insurance, you can access a range of seasoned medical professionals to cater to your healthcare requirements. This eliminates the necessity to compromise on medical care, as your health plan will address most of your medical expenses.

Secure Your Health with Quality Insurance

Health insurance is a crucial investment safeguarding your present and future well-being. For top-notch coverage tailored to your healthcare needs, contact Midwest Professional Insurance, which faithfully serves Kansas residents.

Read More

Imagine a utopian world with no sicknesses, mishaps, or infirmities; health insurance would be obsolete. However, we inhabit a world riddled with illnesses and accidents, rendering health insurance a vital part of our lives. Quality health insurance from Midwest Professional Insurance in Kansas shields you against potential medical emergencies.

The Security Net Offered by Health Insurance

Health insurance furnishes financial aid for medical interventions in times of need. Health crises are notoriously unpredictable, and robust health coverage ensures you access to premium medical treatments during your hour of need. As healthcare costs continue to escalate, your health insurance offers the reassurance of a financial cushion for routine doctor visits, hospital stays, and prescription drugs to restore your health.

Many health plans also encompass preventive services such as routine wellness checkups, blood work, and lab tests to diagnose health issues early or even preclude them. Prompting intervention when health issues are still manageable sustains your health by preventing them from escalating into significant complications down the line.

Health insurance accessibility significantly eases financial strain by sharing your medical expenditure burden. The undue stress of staggering medical bills could compound health problems, which can be circumvented with comprehensive health insurance coverage. Furthermore, with health insurance, you can access a range of seasoned medical professionals to cater to your healthcare requirements. This eliminates the necessity to compromise on medical care, as your health plan will address most of your medical expenses.

Secure Your Health with Quality Insurance

Health insurance is a crucial investment safeguarding your present and future well-being. For top-notch coverage tailored to your healthcare needs, contact Midwest Professional Insurance, which faithfully serves Kansas residents.

Feb 28 2024

Winter is the Right Time to Review Your Boat Insurance

Feb 28 2024 by adminPosted in Boat/Watercraft InsuranceTagged ,

Optimize Your Boat Insurance During the Kansas Winter

For boat owners, the winter months often imply periods of low activity, with boats docked in storage or hauled on a trailer. Rather than leaving your prized possession uncovered, consider optimizing your boat insurance. At Midwest Professional Insurance, we specialize in offering comprehensive and tailored boat insurance to ensure you’re completely protected when the warm weather rolls in.

Why Inspect Your Boat Insurance in Winter?

Kansas winters are synonymous with sub-zero temperatures – hardly the ideal time for boating. However, it’s the perfect time to prepare for the upcoming boating season. This includes scheduling necessary boat repairs and maintenance and reviewing your insurance coverage.

Factors Influencing Your Boat Insurance Policy

Whether you own a large yacht or a small fishing boat, every boat insurance policy should cater to your unique needs. Factors such as boat size, frequent locations of use, the number of passengers, and others may influence your policy. An annual review of your insurance policy is always a great idea. Life circumstances change, and your insurance coverage should evolve in tandem.

Why Consult an Insurance Agent?

Insurance can often be complex and overwhelming. That’s precisely why working with a competent agent from Midwest Professional Insurance is recommended. We keep you abreast with coverage updates, ensuring your protection is robust and up-to-date.

Contact Our Professional Agents Today

If you find yourself in need of a comprehensive review of your boat insurance in Kansas, don’t hesitate to reach out to us at Midwest Professional Insurance. We aim to provide you with a policy that instills confidence so that when the tides turn warmer, you are ready to head out with optimum protection and peace of mind.

Read More

Optimize Your Boat Insurance During the Kansas Winter

For boat owners, the winter months often imply periods of low activity, with boats docked in storage or hauled on a trailer. Rather than leaving your prized possession uncovered, consider optimizing your boat insurance. At Midwest Professional Insurance, we specialize in offering comprehensive and tailored boat insurance to ensure you’re completely protected when the warm weather rolls in.

Why Inspect Your Boat Insurance in Winter?

Kansas winters are synonymous with sub-zero temperatures – hardly the ideal time for boating. However, it’s the perfect time to prepare for the upcoming boating season. This includes scheduling necessary boat repairs and maintenance and reviewing your insurance coverage.

Factors Influencing Your Boat Insurance Policy

Whether you own a large yacht or a small fishing boat, every boat insurance policy should cater to your unique needs. Factors such as boat size, frequent locations of use, the number of passengers, and others may influence your policy. An annual review of your insurance policy is always a great idea. Life circumstances change, and your insurance coverage should evolve in tandem.

Why Consult an Insurance Agent?

Insurance can often be complex and overwhelming. That’s precisely why working with a competent agent from Midwest Professional Insurance is recommended. We keep you abreast with coverage updates, ensuring your protection is robust and up-to-date.

Contact Our Professional Agents Today

If you find yourself in need of a comprehensive review of your boat insurance in Kansas, don’t hesitate to reach out to us at Midwest Professional Insurance. We aim to provide you with a policy that instills confidence so that when the tides turn warmer, you are ready to head out with optimum protection and peace of mind.

Jan 22 2024

How Renters Insurance Can Protect You When at Home or Away

Jan 22 2024 by adminPosted in Renters InsuranceTagged ,

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.

Read More

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.

Dec 21 2023

Three Situations You Avoid When You Get Proper Boat Insurance

Dec 21 2023 by adminPosted in Boat/Watercraft InsuranceTagged ,

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. 

Read More

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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