Will Your Auto Insurance Repair Your Car?

Lees Summit, MO residents are no strangers to car accidents. If your car suffers damage in an accident, you may think your insurance policy will kick in to help cover repairs. Most basic insurance policies don’t cover repairs. If they do, they may only cover very limited circumstances. Here’s a look at how car insurance works when it comes to repair.

Know Your Policy

Don’t assume your car insurance policy will cover damage of any sort. You should know precisely what your auto insurance covers and what it doesn’t. Many people only have liability coverage. Liability will only cover damage to the other person’s car or injuries to their body.

Collision and Comprehensive Coverage

You typically need optional coverage for things like car repair. Your policy may already have a limited amount of collision or comprehensive coverage, but that may not cover your car for severe damage or a total loss.

Optional collision coverage will cover repairs to your vehicle or replace it. Comprehensive coverage will kick in if something outside of your control damages your vehicle. This can include things like fires, storms, and vandalism.

If you’re not sure if your policy already has some form of collision or comprehensive coverage, then ask your insurer, or contact Epic Insurance. You may find you have none at all. If that’s the case, you should certainly consider adding this additional coverage to your policy.

In cases where you’re still making payments on your car, the lender may require you to have collision and comprehensive coverage. Occasionally, such as with older cars, this type of coverage isn’t always necessary. For example, if you own a vehicle you can easily replace out-of-pocket, then paying for the extra coverage may not seem feasible.

Everybody’s requirements differ in Lees Summit, MO. Because of that, it’s best to contact Epic Insurance today about the possibility of adding additional coverage.

Is It Time To Update Your Homeowners Policy?

Lenders require homeowners to carry an insurance policy to protect their interest in the event of a loss. The State of Missouri doesn’t force you to buy coverage, although it definitely provides a sense of financial security. But what type of policy and how much coverage can be a gray area for many homeowners. Our Epic Insurance professionals are here to help people in the Lees Summit, MO community. We’re available to answer questions and will work with you to update a policy to reflect your current coverage needs.

The True Cost of Rebuilding

It seems logical to carry replacement coverage in the amount of a home’s value. Unfortunately, there is no one-to-one cost basis. Homes depreciate over time and the real estate market rises and falls. Just consider property values before and after the last housing market crisis.

Construction is determined by a separate set of factors that include the price of materials, cost of labor and regulations, among other things. To rebuild a home after a total loss could cost upwards of $150 per square foot. That number doesn’t include demolition, debris removal and permitting. Older homes and those with high-end design, woodworking and materials require the workmanship of skilled craftsman and expensive products. If you want to restore your home to its original luster, that could far exceed $150 per square foot.

Assets Evaluation

When it comes time to renew your policy, take time to make an inventory of the assets you’ve accumulated. Many policies cover personal items on a percentage basis of the home’s value. But as you acquire high-end items, that coverage may be insufficient. Tally up what you own and go over it with your agent. Don’t get caught underinsured.

Epic Insurance proudly serves the people of Lees Summit, MO. Our insurance professionals are available to review and update your homeowners policy to ensure it provides you with secure coverage.

Teens and Car Insurance Pricing

There are lots of things in life that seem unfair, and car insurance pricing is one of them when it comes to teens. Hands down, male teenage drivers are going to cost more on average to insure than female teen drivers in Lees Summit, MO and elsewhere. It is it a conspiracy against male teens? Not quite. Remember, insurance is about risk. An insurance provider offers protection from risk for a price. If the likelihood of that risk occurring is high, then the insurance to protect against it is going to be more expensive as well. While the cost won’t be the actual expense of the risk occurring (otherwise what would be the point of having insurance anyway) due to pooling customers together in a larger risk pool, higher risk customers create less profit for an insurer. So, to overcome this problem, higher risk accounts pay more than those who are safer, older drivers with experience, according to Epic Insurance.

So why are male teens considered a higher risk? A lot of it has to do with that age-old practice of dating. Male teens have a well-known streak of being competitive and interested in finding a partner at some point in their young years. And that means they will engage in behavior to impress, to compete for a favor, or to entertain to get a date. That also means male teens are more prone to do unsafe things than female teens, particular with a car, to meet the objectives of the above. Ergo, they then become a higher risk for accidents, car damage, and similar things that cause an insurance policy to realize a claim. That said, there are ways to find more affordable policies even for a male teen driver. The folks at Epic Insurance can help, being able to produce coverage products for all types of insurance needs, including Lees Summit, MO teenagers.

 

 

Lees Summit: Get A Car Or Keep The Bus Pass?

Some towns aren’t car towns. If you live in a place like New York City, San Luis Obispo, or small towns like Winter Haven, Florida, you might discover that a car is more trouble than it’s worth. On the other hand, there are cities like Albuquerque where there’s not much public transportation to speak of, and everything is spread out, so you need a set of wheels if you don’t want to be constantly begging friends and family members for a ride.

Lees Summit, MO is one of those cities that can go either way. It’s an incredibly walkable town. There are plenty of affordable spots in the Downtown area, so if you work in the same neighborhood, there’s no reason why you’d need a car for your day to day life. Likewise, the public transportation in Lee’s Summit is pretty good. It’s not hard to get around by bus, for shopping, for work, even going on dates.

Not everyone in Lee’s Summit needs a car, but there are a few reasons to consider getting a car of your own. For instance, there’s plenty of work to be found in Lee’s Summit, but if you find a great job in one of the surrounding towns and suburbs like Grandview or Raymore, then you’re looking at a two hour bus ride or an Uber trip that costs you twice what you’re earning for a day’s work. Your car opens up your opportunities for advancing your career, and it means that you don’t have to live by the bus schedule. Not to mention road trips, and getting a little bit of privacy and space to yourself while you’re out and about.

If you’re considering getting a car of your own, we can help you to get a great insurance plan to keep you covered.

Neighbor Construction and Damage to Your Home

People in Lees Summit, MO generally get along fine with their neighbors until one does something that affects the living condition or enjoyment of the other. If not resolved correctly and quickly, these incidents can boil up into outright Hatfield vs. McCoy altercations in some case. Fortunately, unlike the old days, property damage issues can be resolved in a civil manner through a number of avenues. However, what many wonder is whether their homeowner’s insurance will get involved when there is damage to their own home.

The cause of the damage, the property line location and type of coverage purchased often dictates how involved the policy provider will be in the matter, according to Epic Insurance. Generally, damaged caused by an outside man-made force or action tends to be addressed. So whether a construction truck backed into a fence or home wall, or whether a crane dropped material on someone’s roof and damaged the tiles, the damage would likely be addressed. Then the insurance provider would file a claim against the neighbor and contractor to recover the expense. However, where the construction simply interferes with one’s enjoyment of his own property, such as an addition blocking out sunlight to one’s backyard, these issues are not structural and don’t really affect a home’s physical function. So they would not be covered. The homeowner would need to seek a civil action in court on his own to pursue recovery, usually through a nuisance lawsuit.

For those in the Lees Summit, MO area who need a second opinion on what a neighbor’s new construction project might mean to their policy, folks can give Epic Insurance a call for expert advice. Their agents have seen and worked with all kind of situations and can easily answer most technical questions adequately.

Get In On The Ground Floor: Home Insurance Concerns For Your Kitchen, Diningroom and Living Areas of Your Home

Do We Need to Know It All?

It is not our contention that every homeowner needs to know every aspect of their home insurance policy. However, it is a great idea to gain some knowledge as you look around your home to look at things in the perspective of what it means to protect it.

  • Kitchen – with the amount of electricity used in this one room, you want to ensure that all lines are properly maintained. Hear the water running? Homeowners should understand that maintaining water pipes is a responsibility as well. Insurance is impacted by flooding, fires and another calamity that originates in this room.
  • Living Room, Dining Room  – the place where we do most of our entertaining. Make certain the flooring is secure and properly maintained to ensure your guests don’t take a spill.  All aspects of these rooms must be maintained such as electricity and windows so that the threat of accidents are minimized or eradicated.

It is an epic affair when you decide to make Epic Insurance your insurance agent. Serving the Lees Summit MO area and the surrounding areas we act as a true agent of your insurance concerns and needs. In this way, you get the savings of the huge companies coupled with the personal attention of a personal agent who is aware of your individual situation and the needs that will answer your unique set of circumstances.

If you can make it into our offices in Lees Summit, MO or need to contact Epic Insurance via the website you will feel like you got in on the ground floor in so far as taking great care of the insurance for your home.

3 Reasons to Purchase Home Insurance Today

Are you considering purchasing a home insurance policy in Lees Summit, MO? If not, maybe you should be! That said, the following is an overview of three reasons to purchase a home insurance policy at Epic Insurance today.

Natural Disaster Protection

One of the top reasons to purchase a home insurance policy is to protect against natural disasters. An area well known for tornadoes, severe thunderstorms, flooding and more, purchasing a home insurance policy in Lees Summit, MO is vital to all homeowners.

Lawsuit Protection

Next, another top reason to purchase a home insurance policy to protect your estate against costly lawsuits. If you do not have the proper coverage in place, individuals and companies may come after you for financial compensation that could result in owing up to multi-millions of dollars. By purchasing your policy, you will ensure you have coverage in place in case an unfortunate situation unfolds on your property.

Protect Equity

Lastly, purchasing a high-quality home insurance policy ensures that the equity of your home is protected. In short, the value of your home is subject to a number of variables including market value. By purchasing a home insurance policy, you are ensuring that your home maintains its value even as other places in the area begin to deteriorate.

Overall, if you are seeking a high-quality home insurance policy in Lees Summit, MO, Epic Insurance is an excellent resource. Simply call, stop in, or email us today and find out how you can begin your home insurance policy immediately and hopefully save some money in the process. Your home and family have waited for protection long enough. Call us today!

Fall Safety Checklist for Your Home

Fall is here ad it is the perfect time of year to get your home ready for the cooler months ahead.  This can be one of the busiest times of year for homeowners who want to take advantage of moderate weather to take care of any damage or issues with their homes before that first frost comes in. 

Let’s talk about exterior maintenance. 

Check the foundation of your home for any visible cracks and make sure to caulk all of the areas where siding meets masonry.  You should also do this where ever wires or pipes enter the building as well as around the door frames and windows in order to keep heat from leaking out.  This is one of the less expensive maintenance chores that most people can handle themselves.  If there are any sorts of openings in the building, water can actually get inside and even freeze.  This leads to more cracks and can even lead to the buildup of mold.  Carefully checking the outside of your home and completing this inexpensive maintenance can end up saving you thousands of dollars in the end.

Install storm doors and windows and remove the screens.  Before you store those screens, clean and repair them and them spray them down with a protective coating.  Then just place them in a dry part of your garage or basement.

Inspect the walls outside of your home to check for blistering or peeling paint.  If you have this showing on your home or siding, it is a signal that the paint is no longer able to protect the surface that it is on.  If not corrected, it can lead to the deterioration of the building or siding and end up costing you a lot more than repainting it now would.

For more on this and to make sure that your home insurance is up to date, call your Lees Summit, MO branch of Epic Insurance now.

 

Using Home Insurance to Your Advantage: What to Remember

In Lees Summit, MO there are a variety of ways that you can keep yourself and your family safe, but home insurance may be one of the top ways to protect your legacy — even if it that’s not how you see it now. Epic Insurance wants you to know more about how you can make it work for you. 

Safety First 

Making protection one of your priorities means keeping what you’ve built for both yourself and your family from a variety of harmful events. When you have the right home insurance, you’re safeguarding the future. Getting coverage that will keep the investments that you’ve made today from natural disasters, and man-made ones alike is a smart decision that too often homeowners dismiss as too expensive. Just one major event can bankrupt a family, and force everyone to change their expectations and hopes for the future. 

Finding Your Rock 

There are many choices available today to make when it comes to finding the right partner for home insurance. But there are also many companies out there who won’t be able to take the time to truly answer your questions, and may just leave you feeling more frustrated about the process than ever. To get the most out of your home insurance, you need to find a staff that’s reliable enough to both set you up with a policy that will include everything you need, and will also be there for you when you need them the most. 

Epic Insurance 

Our staff is here to ensure that you get the service you need when you need it. Give us a call to learn more about our rates, and how we’ve helped the people of Lees Summit lead better lives. When something goes wrong, whether it’s a tree branch falling on a roof or water damage in the basement, we’re here to help you. Learn more today. 

RVing It In Lees Summit, MO

Did you know that Lees Summit, MO rates as one of the top 100 cities in America?  According to Lees Summit Tourism, it also has a vibrant economy and lots to do.  Once a farming community, it has held it’s historic charm enjoyed by residents and RV adventurers alike.  If you’re planning to take a trip to Lees Summit with your RV this year, here are RV parks in the area to take advantage of.

Longview Lake Campground

Located in Lee’s Summit, this RV campground has it all.  From big rig access to allowing pets,  and a big, beautiful lake this county campground is a family friendly choice.

Fleming Park/Blue Springs Campground

When visiting the Kansas City area, this campground is a good choice and only 20 minutes from Lee’s Summit.  It’s another county campground with RV hook-ups and a lake.  Pets are also welcome. The only downside to this RV park is that most sites require leveling, which can be a pain if you arrive by night.

Peculiar Park Place

The last one on our list, Peculiar Park Place is also located in the Kansas City area and open year round.  If you’re in the mood for some heartland America to refresh and revitalize your soul, then this is the campground for you.  It’s only 25 minutes from Lee’s Summit in the town of Peculiar.

Before heading out on your RV trip to Lee’s Summit, MO, be sure your RV insurance is up to date and covers any possible unexpected disaster. This way you can relax and enjoy this beautiful part of America knowing that your RV is covered from top to bottom.  At Epic Insurance, we have a passion for providing RV insurance and will help you get the best rates.