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Why Umbrella Insurance Should Be A Priority

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Umbrella insurance is a type of liability insurance that provides an extra layer of protection for individuals and families. It offers coverage above and beyond the limits of your homeowner’s insurance, auto insurance, and other liability policies. In other words, it acts as a safety net to protect your assets and financial future. If you’re living in Kansas, you’ll want to prioritize umbrella insurance, especially if you’re looking to protect yourself and your family from potential lawsuits and financial ruin.

Marla Williams Agency in Kansas is a leading provider of umbrella insurance, helping families and individuals secure their assets and financial future. We understand that life is unpredictable, and accidents can happen at any time. That’s why we offer comprehensive umbrella insurance coverage that gives you peace of mind knowing that you and your family are protected.

Why Umbrella Insurance

One of the main benefits of umbrella insurance is that it provides added protection for your assets. If you’re sued for an amount that exceeds the coverage limits of your other liability policies, umbrella insurance can help you pay for the remaining costs. This type of insurance can also provide coverage for damages and legal fees, helping you avoid the financial burden that comes with a lawsuit.

Another advantage of umbrella insurance is that it covers a wide range of incidents. For example, it can provide coverage for accidents that occur on your property, car accidents, and even libel and slander. This means that you’ll be protected from a variety of potential liability situations, giving you peace of mind knowing that your assets are protected.

Give Us A Call

Umbrella insurance should be a top priority for individuals and families living in Kansas. By working with Marla Williams Agency, you’ll have access to comprehensive coverage that gives you peace of mind knowing that you’re protected. Don’t wait until it’s too late to secure your assets and financial future. Contact us today to learn more about our umbrella insurance options.

Is there a mileage limit on classic car insurance?

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Classic cars need special insurance coverage to protect them from risks on and off the road. However, classic car insurance is different than regular auto insurance. The insurance company bases its cover on the assessed value of the car. Additionally, some stipulations for coverage may include limiting the mileage annually. If you need classic car insurance, let the experts at Marla Williams Agency, serving the residents of Kansas, help you get the ideal coverage. 

Classic Car Coverage

Classic car coverage varies with each company. Many companies may limit the number of miles you drive each year. That’s because it’s standard practice to limit the mileage to less than 5,000 miles yearly to maintain the vehicle’s value. Not all insurance companies have a mileage limit, however. 

If you need classic car insurance, our experts can help. We can work closely with the classic car owner to determine which policies offer the best coverage. Remember that selecting the right policy is vitally important to ensure you get the best level of protection. That’s why you need our agents’ expert insight and customer support service. They know the ins and outs of classic car insurance and can make sure you understand the policy terms and conditions. 

Contact Us Today

If you want to learn more about classic car insurance or any other insurance products we offer, call or stop by the office of Marla Williams Agency. We serve the state of Kansas and will help you find the ideal coverage to provide security and peace of mind. Get the coverage you need to protect your valuable investment from accidents, theft, and other covered events.

What is Collision Coverage?

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Kansas is a no-fault state, which means that each motorist is responsible for paying for their own injuries and property damage, no matter who is to blame for the wreck. Drivers are required to have several types of insurance in the state of Kansas, but collision coverage is not one of them.

This protection is optional according to the law, but many people choose to purchase this protection for the benefits it offers.

This is because collision coverage will help drivers cover the costs related to their own car repairs in the event of an accident. This can be important if your vehicle is expensive and is paid off, as you could otherwise suffer a total loss with no recourse. Your policy will tend to pay for damages as long as they do not exceed your car’s actual cash value. 

You could also potentially collide with stationary objects, such as a mailbox, a pothole, or a post, and do significant damage to your car. Be sure to ask your Marla Williams Agency specialist for the details on what specific things will be included in your coverage. 

If you are currently carrying a balance on your automobile or if you are leasing, your lender will usually require you to purchase collision coverage, as this will help protect their financial investment. You will still be obligated to pay the deductible before your insurance makes any payments. 

When you take out a policy, generally speaking, your premiums will be affected by the dollar amount you set for your deductible. If you lower your deductibles, premiums tend to increase, and if you raise your deductibles, your premiums should be lower. 

Marla Williams Agency Can Lend You a Hand

Our knowledgeable agents can assist you with finding the package you need for automobiles, homeowners, life insurance, and more. Reach out to us today by calling, emailing, or stopping by the office. 

Don’t Leave Your Business Unprotected – Get Commercial Insurance

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Are you the owner of a Kansas business? Are you adequately insured? Our team of insurance experts at Marla Williams Agency can provide the protection your business needs.

Commercial Insurance: Vital Protection For Your Business

Do you wonder why commercial insurance is important for your business? It helps to cover the costs related to liability claims and property damage. Without this coverage, a business owner needs to pay out of pocket for costly damage or legal claims against their business. This could be the difference between closing your doors forever or remaining in business.

Commercial insurance is typically a one-year contract between an insurance company and the business owner in which the insurance company assumes responsibility for the business liability in exchange for a premium.

Most small businesses should have a BOP or business owner’s policy

It combines business liability, business property, and business income protection in one policy. Business property is sometimes referred to as “commercial property” and helps to protect the physical location of the business and its assets.

The peace of mind and protection this coverage offers are critical. If you have an employee that gets hurt on the job or becomes seriously ill as a result of his or her work, workers’ compensation insurance helps to pay medical costs, reimburse them for lost wages, and provide funeral expenses if needed.

If you have a customer that falls and gets injured on your business property, this coverage will help to pay for associated medical expenses and in the event of a lawsuit, the business will not need to pay out of pocket for the damages.

As with all types of insurance coverage, there are some things this coverage will not cover:

  • Intentional wrongdoing
  • General liabilities for day-to-day accidents not directly related to workplace activities
  • Illegal activities
  • Employee disputes, such as if an employee files a suit based on discrimination, will not be covered under commercial insurance.
  • False advertising

Looking To Protect Your Business in Kansas?

Let us at Marla Williams Agency provide the protection your business needs. Contact us today, and we will be happy to answer your questions. 

Three signs it’s time to update your home insurance policy

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Your home insurance needs can change over time. That’s why you should know the signs to look out for that indicate it’s time to update your policy. 

At Marla Williams Agency, we can answer all of your questions about home insurance in Kansas and help you update your coverage when needed.

The following are three signs that it’s time to update your home insurance policy:

You’ve made some new security updates to your home

When you make updates to your homes such as adding improved locks or security cameras, you may be eligible for lower home insurance rates. 

Make sure you let your home insurance company know about security updates and look into potential discounts on your premiums. 

You’ve recently remodeled your home

If you’ve recently remodeled your home, it could mean that your home is more valuable. Increased home value might mean that you want to increase the coverage amount on your home insurance policy.

Reevaluate the coverage maximums on your policy and the increased value of your home after your remodel project. 

You’re keeping some expensive new items in your home

Your home insurance offers coverage for the possessions you have in your home. If you’ve recently purchased valuable items such as expensive electronics or pieces of jewelry, it could be a good idea to increase your coverage limits,

If you don’t increase your coverage limits after purchasing expensive new possessions, your home insurance policy might not be fully protecting you financially. This leaves you at risk of experiencing financial loss in the event of damage to your home. 

Give Us A Call

We’re here to assist you with all your home insurance needs in Kansas. Get in touch with us at Marla Willaim Agency for answers to all your questions about home insurance. 

Is My Car Eligible for Classic Car Insurance in Kansas?

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You love taking your classic car for the occasional weekend romp or showing it off at nearby car shows. However, you may worry about whether you have sufficient insurance to cover your expenses in the event of damage or loss. Fortunately, the insurance agents at Marla Williams Agency help drivers in Kansas determine whether their car qualifies for classic car insurance and the type of protection needed to give you peace of mind.

Is Your Car a Classic Car?

Classic cars include muscle cars and hot rods. These cars have different insurance requirements than the ones you drive every day. Although there are various definitions of what makes a car “classic,” the one that matters is what your insurance company considers classic.

In general, vehicles eligible for classic car insurance include antique cars 25 to 30 years old (or older), hotrods (“souped” up vehicles), luxury vehicles, classic trucks, and muscle cars. Some insurers also cover classic motorcycles, antique tractors, and military vehicles.

How to Qualify for Classic Car Coverage

Meeting the above factors can help you qualify for specialized insurance. Since classic vehicles cost more to repair or replace, insurance providers have additional requirements regarding usage and storage.

You cannot use your classic car for everyday use. Most policies include mileage limits. When you attend car shows and auto club events, many classic car policies cover your travel back and forth as an exception to this rule.

You also need to show that you store your vehicle in a protected environment, such as an enclosed, locked, and private storage unit or garage. In addition, if you have a good driving record, you have an excellent chance of obtaining classic car insurance.

Classic Car Insurance in Kansas

While not all vehicles qualify for vintage car insurance, yours might. Contact Marla Williams Agency to speak with a knowledgeable representative. We want to help you understand and procure classic car insurance so that you don’t miss a single car show.

What Is Umbrella Insurance?

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Umbrella insurance is a different type of coverage from most other insurance types. It works with other insurance policies that you have in order to give them a boost of coverage. When you need more liability insurance for policies that you already have, it’s a smart idea to get an umbrella insurance policy. If you are interested in getting one of these policies, call us now at the Marla Williams Agency in Kansas.

Umbrella Insurance Coverage: What You Need To Know

Home and Auto Insurance

When you already have auto and home policies in effect, umbrella insurance is a way to add to them both at one time and with one policy. The amount of liability coverage inside auto and home policies can be too little to pay for serious accidents. It’s also highly expensive if you want to add more liability coverage directly onto both of these policies. A way to get more liability coverage for both and to do it for far less cost is to get umbrella insurance. This gives you a blanket of more liability coverage that comes in handy if there is an accident that you are liable for. Without it, you could be responsible for paying a lot of medical bills and other costs when your liability coverage won’t cover all of them. 

How This Coverage Works

When you have an umbrella policy, it doesn’t come in first to pay after an accident has happened. The first policy to come in will be your auto or home policy. Once it has maxed out, your umbrella policy can come in to pay whatever is left over of the bills you are responsible for to save you from having to pay them. 

Get More Liability Coverage

To be better protected with an umbrella policy, you can give us a call at the Marla Williams Agency in Kansas.

Is Classic Car Insurance Worth It?

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When you’re driving down the road and see a classic car, you can’t help but admire it. These beautiful vehicles have style and grace that is unmatched by modern cars. Owning a classic car is a dream for many people, but it comes with a price tag. Classic car insurance can be expensive, so is it worth it? In this article, we’ll explore the pros and cons of classic car insurance and help you decide if it’s right for you.

The Pros of Classic Car Insurance

There are a few things to consider when weighing the pros and cons of classic car insurance. The first is that classic cars are usually worth more than modern cars. This means that if you have a classic car, you will likely need to insure it for more money than you would a regular car. Marla Williams Agency in Kansas can help you get the coverage you need for your classic car.

Another pro of classic car insurance is that it can provide coverage for things that regular insurance doesn’t. For example, classic car insurance often includes agreed value coverage. This means that you will receive the full agreed-upon amount for your vehicle in the event of a total loss. This can be a huge benefit if your car is totaled in an accident or stolen and never recovered.

The Cons of Classic Car Insurance

Of course, there are also some drawbacks to classic car insurance. The biggest downside is the cost. Because classic cars are worth more than regular cars, they often come with a higher price tag. This means that you will likely pay more for your premium than you would for a regular car.

Another downside of classic car insurance is that it can be difficult to find. Not all insurance companies offer coverage for classic cars, so you may have to do some searching to find a policy that’s right for you.

Give Us A Call

Classic car insurance can be expensive but offers some benefits that regular insurance doesn’t. If you’re considering insuring your classic car, Marla Williams Agency in Kansas can help you get the coverage you need. Give us a call today to learn more about our classic car insurance policies.

Required Auto Insurance in Kansas

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When you drive a vehicle in Kansas, you are required to have an active auto insurance policy. This policy must have at least the types of coverage required by law as well as at least the minimum amount of each coverage type that is mandated. It is helpful to get other coverage in addition to what is required so that you are better covered against a wide range of risks. If you need an auto policy, don’t hesitate to call us at Marla Williams Agency in Kansas. 

Auto Insurance: What You Need To Know

Liability Insurance

There are two types of liability coverage that you have to have in your auto policy. These are bodily injury liability and property damage liability. The bodily injury coverage covers the injuries that happen to people who are injured in an accident that you caused. This does not include your own medical bills. The property damage coverage pays for someone else’s property damage that is caused by an accident you caused. It does not include any coverage for your own vehicle’s damage. It does, however, cover your legal expenses after the accident. 

Personal Injury Protection

This type of coverage is also required by law. It pays for the expenses incurred when you are in an accident. This includes your medical expenses, lost wages, and continuing medical care such as in-home help. This protection is given to you no matter whose fault the accident is. It also covers your passengers and their expenses. 

Uninsured/Underinsured Motorist Protection

This coverage pays for your expenses after you are in an accident caused by a motorist without insurance or without enough insurance. This also covers a hit-and-run driver as well as when you’re a pedestrian or bike rider. 

Get Your Auto Policy

If you don’t have auto insurance in Kansas, it’s time to get legal. Give us a call at Marla Williams Agency.

Is Flood Insurance Mandatory in Kansas?

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Flooding is the most common natural disaster in the US, causing damage of billions of dollars and putting millions of people at risk every year. Since flood damage isn’t covered by standard home insurance, you should get stand-alone flood insurance from Marla Williams Agency, serving many locations in Kansas. 

Is Flood Insurance Mandatory in Kansas?

Is flood insurance mandatory?

No Kansas law requires homeowners to buy flood insurance. However, if you have a mortgage and your home is located in a high-risk flood area, your lender will insist you purchase flood insurance. But whether flood insurance is compulsory or not, every homeowner and renter should have it because it can save you from a financial crisis.

Why you should buy flood insurance

The unpredictable nature of flooding in the US means that you have to be prepared all the time. And you don’t need to live along the coastline to be at risk of floods. Wherever it rains, the risk of flooding is always there.

Here are the reasons you should invest in flood insurance:

  • To protect your assets: Flood insurance protects your building structure and the contents inside when floods strike. This means you don’t have to start from scratch when floods strike. Your insurer compensates you to repair or even rebuild your home.
  • Flood damage is expensive: When floods strike, they leave untold damage behind. Just a one-inch rise in water level leads to repairs of about $25,000. If the floods are heavy, you can see how expensive it can get. 
  • Peace of mind: When you have flood insurance, you don’t have to live on the edge when the weatherman announces a heavy storm is on the way. You stay relaxed, knowing that your assets will be safe even after floods strike.

Ready to get started with flood insurance? Please get in touch with Marla Williams Agency for an affordable quote. We serve many locations in Kansas.