How to Increase Your Liability Coverage With Umbrella Insurance

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If you have a home policy and an auto policy, you may feel well-covered. However, you might not be as protected as you believe. Getting umbrella insurance can be a great way to supplement the coverage you already have and to ensure that you have enough of it. To get started with an umbrella policy, contact us at Marla Williams Agency in Kansas and learn more about these policies.

Understanding Liability Coverage Deficits in Home and Auto Policies

When you have a home and an auto policy, each of them comes with an amount of liability coverage, among other coverage types. Liability coverage is extremely important in case of an accident in your car or home. The problem arises when there is an expensive accident. Home and auto policies don’t come with much liability coverage, and this can leave you vulnerable to the bills that come in. With umbrella insurance, you get a great deal of extra liability coverage that is added to both of your other policies.

How Umbrella Insurance Covers Overages

If there happens to be a serious accident, the costs can be extremely high. This can cause your home or auto insurance to max out and cause bills to be left over afterward. These overages would be yours to pay without umbrella insurance. With umbrella insurance, it will come in after the home or auto insurance and pay the overages that are left over. This gives you the protection you need against serious and expensive accidents. Don’t go without this coverage if you have home and auto insurance.

Securing Umbrella Insurance in Kansas

If you don’t have an umbrella policy yet, we are here to help. Call us at Marla Williams Agency in Kansas today to learn more about umbrella policies and how they benefit you.

How Classic Car Insurance Differs From Standard Auto Insurance

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Driving a classic car is a passion for many individuals, as it evokes a sense of nostalgia. Getting behind the wheel might represent a piece of your personal history. However, a classic car needs a quality insurance policy to preserve its value. The team at Marla Williams Agency in Kansas strives to ensure your vintage automobile retains its value with an ideal coverage plan.

How Classic Car Insurance Works

Many classic car owners fail to consider their vehicles as an investment. If you read the terms of your insurance policy, it is very similar to a standard auto insurance policy. The coverage varies because vintage automobiles have a predetermined dollar value, mileage restrictions for driving, and specific storage conditions must be adhered to. Read the terms of the agreement carefully, as your classic car insurance policy should match your intended usage of the vintage automobile. You want the ability to drive your classic car at your discretion.

Classic Car Insurance Has Mileage Limits

Having a mileage limit on your classic car insurance policy can be beneficial, as it assists in increasing the automobile’s value over time. The mileage limitation reduces the risk of being involved in a road accident or putting everyday wear and tear on the vehicle. Repair work will lower the classic car’s market value because the vehicle’s original parts are no longer part of the attraction. The policy wording specifies when and where the vintage automobile can be driven. Typically, a classic car is used in parades and auto show appearances.

If you have a classic car, you need an insurance policy that protects the value of your vintage automobile. The staff at Marla Williams Agency in Kansas have the knowledge and experience to create a coverage plan that meets your insurance needs. Call and schedule an appointment today.

Why basic auto insurance may not be the right choice for you?

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Like most states, Kansas has minimum basic insurance requirements. The mandated insurance is liability coverage of 25/50/25. This includes $25,000 for physical injuries to the first person in an accident you cause, a total of $50,000 for all injuries, and $25,000 for property damage. At Marla Williams Agency in Kansas, we strive to ensure all our customers have the auto insurance that best suits their needs, and we recommend any additional coverage they may require.

If you have a loan on your vehicle or if you’re leasing a vehicle, basic insurance will not suffice. You’ll need to carry insurance to protect the vehicle you’re driving.

Collision Coverage

Collision coverage helps repair your vehicle if it’s damaged in an accident where you’re at fault. It also covers your vehicle if you’re the victim of a hit-and-run. A deductible must be paid first.

Comprehensive Coverage

Comprehensive coverage covers damage caused by floods, windstorms, vehicle theft, vandalism, or collisions with large animals like deer. It also includes a deductible.

Full Glass Coverage

While glass coverage is part of comprehensive coverage, there’s no deductible if you have full glass coverage so that you can replace your windshield for free.

Gap Coverage

If you have a newer vehicle with an auto loan, you may owe more than your insurance company would pay for its full replacement. Gap coverage pays the difference between the two figures, effectively filling the gap.

At Marla Williams Agency in Kansas, our knowledgeable team is here to help with all your auto insurance needs. Call us today or stop by our office.

Office Upgrades That May Require More Commercial Insurance Coverage

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Are you planning to upgrade the office you own and operate? Office upgrades may necessitate additional insurance coverage. Review some upgrade categories and then seek additional insurance coverage through one of our agents.

Technology Upgrades

If you’re investing in new computers, laptops, and other types of technology, it’s crucial to protect your investments. An unexpected flood or fire could destroy these electronic devices.

If your office setting is vulnerable to intruders, you could become a victim of theft or vandalism. Insuring each piece of equipment will allow you to seek repairs if necessary.

If any of your equipment is stolen or damaged, commercial insurance coverage may reimburse you for out-of-pocket costs necessary to purchase replacement items.

Floor and Wall Coverings

You might consider changing the floor and wall coverings in your office space. New materials that become permanent fixtures are prone to damage over time.

Insuring floor and wall materials will protect against unexpected events that lead to the need for repairs or replacements. Insurance products provide protection against a wide range of natural disasters.

You have the ability to choose the type of insurance coverage that will adequately protect against the situations you worry about the most.

Furnishings

If you plan on adding new furniture to your office, the overall value of your business may increase. Insuring the furnishings will allow you to repair or replace the office essentials if needed.

Contact an Insurance Agent in Kansas

If you’re ready to discuss the office upgrades with an insurance agent, contact a representative of Marla Williams Agency. An agent will provide advice during your consultation.

Home Insurance Coverage for Natural Disasters

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Kansas is susceptible to a variety of natural disasters, including severe storms, tornadoes, floods, wildfires, and landslides. While earthquakes are less common, they do occur near the state’s southern border with Oklahoma. Fortunately, you can take measures to prepare for potential disasters, including ensuring you have the appropriate home insurance coverage.

Do You Have Coverage?

Home insurance typically covers disasters such as wildfires, wind damage, hail damage, and hurricane wind damage. However, flooding is usually not covered, meaning you’ll need to purchase a separate flood insurance policy if you live in an area prone to flooding. Coverage for landslides will likely depend on the cause of the landslide.

Natural disaster coverage varies depending on the home insurance policy you purchase. The amount of compensation you’ll receive in the event of a natural disaster also varies, depending on your policy and the policy deductible. It’s important to read your policy carefully to avoid any unpleasant surprises in the event of an unfortunate incident. If your home is expensive and you have valuable personal possessions, you may want to consider an umbrella insurance policy in addition to a home insurance policy to ensure you receive sufficient compensation after a natural disaster.

Contact Marla Williams Agency for More Information

Your home is likely one of your most valuable assets. You’ll want a reliable insurance policy that will provide compensation if the house or property is damaged by severe weather or another natural disaster. At Marla Williams Agency, we take pride in helping Kansas homeowners assess their policy options, select a policy, and choose an ideal deductible. Contact us for more information or a policy quote.

Does My Older Car Need Classic Car Insurance?

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Enjoy Your Classic Ride with Confidence: Choosing the Right Insurance in Kansas

Driving an older car often carries a special thrill, especially if it’s a well-restored classic or a cherished model you’ve maintained meticulously over the years. Depending on the vehicle’s age, you might need a classic car insurance policy instead of a standard one. If you’re in Kansas, Marla Williams Agency is ready to help you find the ideal policy to meet your needs, enabling you to drive your classic car with sheer confidence and maximum enjoyment.

Typically, a car is considered a classic if it’s at least 20 years old. However, when it crosses the 40 to 45-year mark, it graduates from being a classic to an antique. If you own a vehicle that falls within the classic age range, it’s crucial to ensure it’s appropriately covered, considering that you probably use it differently from a newer model. Besides, the maintenance, parts, and overall upkeep may prove more complicated, hence the need for specialized coverage against loss or damage.

Working with a dedicated insurance agent lets you receive quotes from multiple insurers, helping you find the best protection. Our agents are also at your service to answer any questions, assist with policy adjustments, and address any concerns you may have regarding your policy. The peace of mind that comes from professional assistance is invaluable, and we understand how important it is for you to provide the best possible care for your classic car.

Contact us at Marla Williams Agency today if you’re in Kansas and seeking classic car insurance. We’ll collaborate with you to find the most suitable policy and ensure all your queries are comprehensively answered.

What should I think about as I am shopping for umbrella insurance in Kansas?

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Taking personal liability risk seriously is crucial for everyone. A potential accident where you are liable could lead to financial claims and damages. However, you can manage this risk effectively with an umbrella insurance plan if you reside in Kansas. Certain factors need serious consideration when shopping for a new umbrella insurance policy.

Risk Profile and Existing Coverage

One primary consideration when shopping for umbrella coverage is the type of risks you face and any existing coverage you might have. Everyone bears some level of personal liability risk. However, particular professions, such as those susceptible to slander or libel claims, may involve more risk. So, the necessity of umbrella coverage is more in these cases. Evaluating this is essential while planning your umbrella policy.

Protection of Personal Assets

Umbrella insurance essentially protects your assets. Any asset left uncovered by an umbrella plan is prone to being lost if you are found liable for an accident. However, constructing an appropriate umbrella policy provides sufficient coverage to protect these assets, even in cases where you are at fault.

Taking these factors into account is vital when considering an umbrella coverage plan in Kansas. Professional guidance is always beneficial to ensure you get a comprehensive policy. Our team at the Marla Williams Agency specializes in providing the necessary assistance to build your next policy effectively and efficiently.

Does the Car Count as a Classic to Get Classic Car Insurance?

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Classic car insurance provides specialized coverage for classic vehicles, offering protection tailored to their unique needs. Understanding the criteria for classic car status and the benefits of classic car insurance can help you secure the appropriate coverage for your prized vehicle. Different and unique factors determine what is a classic and what is not around Kansas.

Age and Condition Requirements

One of the primary factors in determining if a car qualifies as a classic is its age. Generally, vehicles 20 to 25 years old or older are considered classics. However, the exact age requirement can vary by insurer. Additionally, the car must be in good condition, often requiring restoration or maintenance to preserve its historical and aesthetic value. Unlike daily drivers, classic cars are typically kept in excellent shape and driven infrequently.

Usage and Storage Conditions

Insurance companies also consider how the vehicle is used and stored. Classic cars are usually driven sparingly, such as for exhibitions, car shows, or occasional leisure drives, rather than for daily commuting. Proper storage is crucial, with insurers often requiring that the car be kept in a secure, enclosed space like a garage to protect it from potential damage or theft.

Market Value and Rarity

The market value and rarity of the car can influence its eligibility for classic car insurance. You may have to get an appraisal to prove the car’s current value and to ensure it is adequately covered. Rarity and historical significance can also enhance a car’s status as a classic, with rare models or those with a unique history more likely to qualify.

Marla Williams Agency Is There For You

Marla Williams Agency is here for you when you need insurance information. Our services are available at Kansas locations. Call today.

The Role of Auto Body Shops in the Claims Process

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In Kansas, auto body shops offer expertise and services for assessing damage, making necessary repairs, and ensuring vehicles are restored to the way they were before an accident.

Initial Damage Assessment

After an accident, one of the first steps is to assess the vehicle’s damage accurately. Auto body shops provide detailed inspections and estimates for the repairs needed. This assessment is critical for insurance companies to determine how bad the damage is and the cost to repair it.

Communication with Insurance Companies

Auto body shops frequently act as intermediaries between vehicle owners and insurance companies. They handle much of the communication, ensuring that all required documentation and estimates are submitted promptly. This communication is vital for keeping the claims process moving forward and addressing any questions or concerns.

Performing Repairs

Once the insurance company approves the claim, auto body shops carry out the necessary repairs. These shops are equipped to fix any body damage to the vehicle, including paint jobs. Reputable auto body shops use original manufacturer parts and follow industry standards to ensure high-quality work and safety.

Quality Guaranteed Assurance and Inspection

After completing the repairs, auto body shops perform a complete check for the highest quality. The last inspection guarantees all repairs meet safety and quality standards and verifies that all issues identified in the initial assessment have been addressed.

Customer Support and Service

Some auto body shops provide additional support and services to customers, such as arranging rental cars or offering pick-up and drop-off services.

Marla Williams Agency Helps Guide You

Marla Williams Agency will help guide you and show you how auto insurance can save you money in the long haul. Our team covers the Kansas region. Contact us today.

Eco-Friendly Business Policies in Kansas Explained

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In Kansas, businesses increasingly recognize the importance of sustainability and environmental responsibility. Marla Williams Agency specializes in providing commercial insurance that supports businesses making eco-friendly choices. Understanding these policies and their benefits can protect your business and contribute to a greener Kansas.

Eco-friendly business policies are designed to encourage and protect investments in sustainable practices. Whether upgrading to energy-efficient systems, utilizing renewable energy sources, or implementing recycling and waste reduction programs, specific coverage options are available to support these initiatives. At Marla Williams Agency, we help Kansas businesses navigate these options to find coverage that aligns with their environmental goals.

In Kansas, adopting green practices can also lead to financial incentives such as tax credits and deductions, which help offset initial costs. Moreover, businesses demonstrating a commitment to sustainability may find themselves at an advantage, attracting eco-conscious consumers and employees alike. Insurance that complements and encourages these practices is not just beneficial—it’s essential.

Marla Williams Agency is dedicated to supporting the local businesses in Kansas and leading the way in sustainability. We offer tailored commercial insurance solutions that protect your green investments and support your company’s long-term viability and ethical growth.

For businesses in Kansas looking to expand their eco-friendly policies or those just starting on the path of sustainability, contact us at Marla Williams Agency. We’re here to help you safeguard your investments while you positively impact the environment. Let’s make a sustainable future a viable part of your business strategy. Contact us today to discuss how we can assist your business in thriving responsibly.