lawn mower, insurance question, borrow neighbors lawn mower, is it covered, homeowners insurance

If I borrow my neighbors lawn mower, is it covered on my insurance policy?

Yes, it would be, if requested by the insured (the borrower of the mower).  The standard homeowner’s policy (HO-3) covers property of others while it is on the premises that the insured occupies. The standard homeowners policy is broken down like this: Coverage A – “Dwelling Replacement Amount.” The amount that the insurance company estimates […]

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car claim guide, car accident, how to start a car insurance claim

What do I do after getting into a wreck?

So, you just got into a wreck and you don’t know what to do. Here’s a step by step guide to walk you through what happens: 1. Get their contact information (name, phone number, insurance company) You need to know who you just got into a wreck with, this isn’t negotiable. Get their name, phone […]

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having options for your insurance, independent agents, exclusive agents, choices

What is an independent insurance agent?

An independent insurance agent is a business person who represents multiple companies.  Many insurance companies choose to market their product through independent insurance agents which is known as the “American Agency System”. The independent agent may represent several companies and can place their customers with any of their contracted insurers.  They make this decision based […]

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apartment kansas, renters insurance kansas, renters policy kansas

3 Must Have’s For Buying Renter’s Insurance In Westport – Kansas City, Missouri

Renter’s insurance is dang near a requirement for tenants. As more and more people move into apartments, the possibility for loss from fire, theft/vandalism and others, have increased, dramatically. Property managers are on the lookout to help protect their investment, so they are opting to transfer some of the liability back onto the person renting […]

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