Kansas City life is full of backyard barbecues, Chiefs games, and family fun — but also, a few hidden risks. One accident, injury, or lawsuit could wipe out your savings faster than a summer storm rolls through. That’s why an umbrella policy  can be one of the smartest moves a family makes in 2025. What Is an Umbrella Policy? It’s extra liability protection that kicks in when your home or auto insurance limits run out.If someone gets hurt at your house, your teen causes a maj

Living in the Kansas City metro area means enjoying sunny days and green backyards — but it also means being ready for Mother Nature’s curveballs. One of the most under-appreciated threats to homeowners in our region is hail. That’s why upgrading to a hail-resistant roof isn’t just a luxury in 2025 — it’s a smart move for forward-thinking homeowners. Here’s why. 1. The hail risk in the KC region is real and increasing Our region sits in the broader “hail belt,” where warm, mo

When Does Your Child Need Their Own Auto Insurance?  🚗 If your child still lives at home and drives vehicles you own, they can usually...

If you've been in a car accident, you might be surprised to find it affects your insurance rates for years to come. That’s because your...

How Do Recent Weather Events Affect Home Insurance Rates in Kansas City? Kansas City residents have seen a noticeable rise in home...

If you’re a homeowner and car owner, you’ve probably heard about “bundling” your home and auto insurance. But how does bundling home and...

Insurance point systems are used by many auto insurance companies, and sometimes by state Departments of Motor Vehicles (DMVs), to track...

An HO3 (Homeowners 3) policy is one of the most common types of home insurance policies in the United States. It offers a broad range of...

Choosing the right deductible for your home and auto insurance can significantly impact your monthly premiums and out-of-pocket costs in...

Compliments of Openly By Alyssa Little May 15, 2024 If you own a home, especially an older home, you may have hired a contractor to make...

As a real estate investor, you understand the importance of managing risk. Protecting your properties and mitigating potential...

An insured person does not have to have the insurance that a car rental company offers. In most cases, your personal auto insurance...

Independent insurance agents and captive agents are two types of insurance agents that individuals can work with when shopping for...

In Kansas and Missouri, state law requires that all drivers have at least a minimum amount of auto insurance coverage in order to legally...

When shopping for home insurance, it's important to understand the factors that can affect your premium, as this will help you get the...

Homeowners insurance is a type of insurance that helps protect your home and personal property from financial loss in the event of an...

Auto insurance is a type of insurance that helps to protect individuals and their vehicles from financial loss in the event of an...

There are several types of discounts that you may be able to qualify for when purchasing personal insurance, such as auto insurance, home...